Call reports 2012
COMENITY BANK — 2012
What COMENITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 4,828,888,000 | 5,667,615,000 | 5,993,928,000 | 6,885,102,000 |
| Total loans | 4,725,106,000 | 4,919,818,000 | 5,698,761,000 | 6,438,423,000 |
| Allowance for loan losses | 393,739,000 | 376,136,000 | 388,404,000 | 411,025,000 |
| Securities available for sale | 27,328,000 | 173,045,000 | 192,849,000 | 372,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 941,847,000 | 1,274,492,000 | 1,431,333,000 | 1,769,433,000 |
| Interest-bearing deposits | 918,100,000 | 1,250,402,000 | 1,400,915,000 | 1,738,031,000 |
| Noninterest-bearing deposits | 23,747,000 | 24,090,000 | 30,418,000 | 31,402,000 |
| Equity capital | 837,925,000 | 885,080,000 | 960,335,000 | 994,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 336,618,000 | 672,680,000 | 1,060,720,000 | 1,468,337,000 |
| Interest expense | 26,003,000 | 54,248,000 | 82,089,000 | 110,650,000 |
| Net interest income | 310,615,000 | 618,432,000 | 978,631,000 | 1,357,687,000 |
| Noninterest income | 24,082,000 | 39,283,000 | 45,024,000 | 40,087,000 |
| Noninterest expense | 127,989,000 | 261,970,000 | 411,284,000 | 584,579,000 |
| Provision for loan losses | 38,934,000 | 79,357,000 | 147,138,000 | 233,151,000 |
| Pretax income | 167,774,000 | 316,388,000 | 465,227,000 | 580,389,000 |
| Income tax | 64,457,000 | 115,923,000 | 164,933,000 | 197,009,000 |
| Net income | 103,317,000 | 200,465,000 | 300,294,000 | 383,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 795,921,000 | 844,722,000 | 886,458,000 | 924,157,000 |
| Total capital | 859,525,000 | 915,805,000 | 962,003,000 | 1,009,028,000 |
| Risk-weighted assets | 4,758,200,000 | 5,381,573,000 | 5,730,777,000 | 6,463,513,000 |