Call reports 2005
COMENITY BANK — 2005
What COMENITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 573,634,000 | 556,391,000 | 563,706,000 | 781,369,000 |
| Total loans | 195,973,000 | 222,627,000 | 245,826,000 | 343,264,000 |
| Allowance for loan losses | 8,342,000 | 8,944,000 | 11,297,000 | 16,331,000 |
| Securities available for sale | 79,738,000 | 27,074,000 | 16,141,000 | 57,214,000 |
| Securities held to maturity | 3,630,000 | 3,620,000 | 4,591,000 | 7,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,000,000 | 1,800,000 | 85,100,000 | 211,900,000 |
| Interest-bearing deposits | 35,000,000 | 1,800,000 | 85,100,000 | 211,900,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 369,020,000 | 405,380,000 | 345,108,000 | 383,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,834,000 | 21,024,000 | 33,017,000 | 46,963,000 |
| Interest expense | 391,000 | 453,000 | 1,040,000 | 2,591,000 |
| Net interest income | 10,443,000 | 20,571,000 | 31,977,000 | 44,372,000 |
| Noninterest income | 149,898,000 | 276,922,000 | 417,406,000 | 550,247,000 |
| Noninterest expense | 86,646,000 | 164,031,000 | 248,575,000 | 325,571,000 |
| Provision for loan losses | 655,000 | 4,715,000 | 10,872,000 | 19,649,000 |
| Pretax income | 73,040,000 | 128,747,000 | 189,936,000 | 249,399,000 |
| Income tax | 26,024,000 | 45,869,000 | 67,671,000 | 89,139,000 |
| Net income | 47,016,000 | 82,878,000 | 122,265,000 | 160,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 366,585,000 | 402,447,000 | 341,834,000 | 379,829,000 |
| Total capital | 374,927,000 | 411,391,000 | 353,131,000 | 396,161,000 |
| Risk-weighted assets | 703,493,000 | 602,106,000 | 722,587,000 | 1,146,564,000 |