Call reports 2011
COMENITY BANK — 2011
What COMENITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 4,768,994,000 | 4,736,529,000 | 5,103,241,000 | 5,104,374,000 |
| Total loans | 4,320,171,000 | 4,377,535,000 | 4,383,684,000 | 4,985,127,000 |
| Allowance for loan losses | 424,678,000 | 395,108,000 | 385,002,000 | 400,421,000 |
| Securities available for sale | 173,386,000 | 91,562,000 | 125,354,000 | 39,073,000 |
| Securities held to maturity | 14,823,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,359,000 | 591,787,000 | 1,129,449,000 | 1,025,738,000 |
| Interest-bearing deposits | 569,200,000 | 569,200,000 | 1,107,700,000 | 1,003,700,000 |
| Noninterest-bearing deposits | 22,159,000 | 22,587,000 | 21,749,000 | 22,038,000 |
| Equity capital | 720,010,000 | 738,878,000 | 776,543,000 | 784,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 313,633,000 | 614,108,000 | 945,306,000 | 1,270,332,000 |
| Interest expense | 34,518,000 | 68,398,000 | 101,708,000 | 131,835,000 |
| Net interest income | 279,115,000 | 545,710,000 | 843,598,000 | 1,138,497,000 |
| Noninterest income | 21,774,000 | 34,967,000 | 51,498,000 | 57,819,000 |
| Noninterest expense | 106,546,000 | 227,254,000 | 342,753,000 | 475,392,000 |
| Provision for loan losses | 54,614,000 | 103,602,000 | 162,813,000 | 250,271,000 |
| Pretax income | 139,729,000 | 249,821,000 | 389,530,000 | 470,683,000 |
| Income tax | 52,698,000 | 94,375,000 | 146,819,000 | 172,569,000 |
| Net income | 87,031,000 | 155,446,000 | 242,711,000 | 298,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 673,761,000 | 693,828,000 | 732,776,000 | 742,025,000 |
| Total capital | 734,458,000 | 755,132,000 | 798,269,000 | 808,789,000 |
| Risk-weighted assets | 4,471,855,000 | 4,550,471,000 | 4,904,941,000 | 4,992,465,000 |