Call reports 2008
COMENITY BANK — 2008
What COMENITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,003,874,000 | 1,028,590,000 | 1,037,964,000 | 1,286,554,000 |
| Total loans | 453,471,000 | 321,119,000 | 366,341,000 | 484,767,000 |
| Allowance for loan losses | 23,008,000 | 16,564,000 | 20,196,000 | 27,072,000 |
| Securities available for sale | 95,553,000 | 172,570,000 | 213,216,000 | 257,796,000 |
| Securities held to maturity | 10,667,000 | 10,280,000 | 9,891,000 | 9,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,600,000 | 156,500,000 | 236,900,000 | 477,900,000 |
| Interest-bearing deposits | 181,600,000 | 156,500,000 | 236,900,000 | 477,900,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 540,361,000 | 539,040,000 | 535,190,000 | 508,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 22,450,000 | 39,254,000 | 58,142,000 | 87,653,000 |
| Interest expense | 2,879,000 | 4,905,000 | 6,247,000 | 10,830,000 |
| Net interest income | 19,571,000 | 34,349,000 | 51,895,000 | 76,823,000 |
| Noninterest income | 189,649,000 | 359,121,000 | 520,776,000 | 675,765,000 |
| Noninterest expense | 98,063,000 | 196,216,000 | 294,908,000 | 399,160,000 |
| Provision for loan losses | 9,369,000 | 12,640,000 | 24,491,000 | 40,737,000 |
| Pretax income | 101,788,000 | 184,614,000 | 253,272,000 | 312,691,000 |
| Income tax | 38,233,000 | 69,444,000 | 95,192,000 | 119,419,000 |
| Net income | 63,555,000 | 117,362,000 | 160,482,000 | 195,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 531,463,000 | 530,622,000 | 529,214,000 | 541,078,000 |
| Total capital | 554,471,000 | 547,186,000 | 549,410,000 | 568,150,000 |
| Risk-weighted assets | 1,419,316,000 | 1,489,969,000 | 1,580,217,000 | 2,230,855,000 |
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