Call reports 2004
COMENITY BANK — 2004
What COMENITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 652,607,000 | 616,106,000 | 604,899,000 | 618,389,000 |
| Total loans | 270,779,000 | 196,104,000 | 218,998,000 | 253,575,000 |
| Allowance for loan losses | 17,357,000 | 11,849,000 | 11,301,000 | 11,577,000 |
| Securities available for sale | 33,566,000 | 97,211,000 | 102,361,000 | 65,189,000 |
| Securities held to maturity | 4,157,000 | 4,051,000 | 3,911,000 | 3,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,500,000 | 51,000,000 | 32,100,000 | 94,200,000 |
| Interest-bearing deposits | 90,500,000 | 51,000,000 | 32,100,000 | 94,200,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 331,306,000 | 358,812,000 | 287,473,000 | 321,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,659,000 | 18,035,000 | 23,591,000 | 35,937,000 |
| Interest expense | 758,000 | 1,090,000 | 1,325,000 | 1,754,000 |
| Net interest income | 11,901,000 | 16,945,000 | 22,266,000 | 34,183,000 |
| Noninterest income | 137,419,000 | 256,646,000 | 375,689,000 | 507,367,000 |
| Noninterest expense | 87,720,000 | 172,843,000 | 251,411,000 | 333,328,000 |
| Provision for loan losses | 3,294,000 | -1,543,000 | -635,000 | 8,452,000 |
| Pretax income | 58,306,000 | 102,281,000 | 147,179,000 | 199,770,000 |
| Income tax | 20,766,000 | 36,430,000 | 52,418,000 | 71,139,000 |
| Net income | 37,540,000 | 65,851,000 | 94,761,000 | 128,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 328,477,000 | 356,790,000 | 285,699,000 | 319,569,000 |
| Total capital | 345,834,000 | 368,639,000 | 297,000,000 | 331,146,000 |
| Risk-weighted assets | 1,097,513,000 | 771,464,000 | 955,357,000 | 977,524,000 |