Call reports 2014
COMENITY BANK — 2014
What COMENITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 6,906,566,000 | 7,209,261,000 | 7,935,865,000 | 9,149,194,000 |
| Total loans | 6,480,597,000 | 6,778,599,000 | 7,262,669,000 | 8,659,073,000 |
| Allowance for loan losses | 388,787,000 | 381,972,000 | 403,803,000 | 441,941,000 |
| Securities available for sale | 186,818,000 | 209,542,000 | 156,822,000 | 166,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,608,564,000 | 1,814,069,000 | 2,173,895,000 | 2,732,677,000 |
| Interest-bearing deposits | 1,570,234,000 | 1,777,444,000 | 2,138,466,000 | 2,695,881,000 |
| Noninterest-bearing deposits | 38,330,000 | 36,625,000 | 35,429,000 | 36,796,000 |
| Equity capital | 1,084,136,000 | 1,116,761,000 | 1,224,103,000 | 1,264,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 463,456,000 | 926,129,000 | 1,437,583,000 | 1,964,354,000 |
| Interest expense | 26,877,000 | 52,984,000 | 80,068,000 | 108,506,000 |
| Net interest income | 436,579,000 | 873,145,000 | 1,357,515,000 | 1,855,848,000 |
| Noninterest income | 5,482,000 | 5,948,000 | 10,297,000 | 12,342,000 |
| Noninterest expense | 220,601,000 | 447,186,000 | 671,131,000 | 932,861,000 |
| Provision for loan losses | 43,852,000 | 114,562,000 | 205,951,000 | 307,193,000 |
| Pretax income | 177,608,000 | 317,345,000 | 490,730,000 | 628,136,000 |
| Income tax | 68,539,000 | 122,400,000 | 189,340,000 | 238,849,000 |
| Net income | 109,069,000 | 194,945,000 | 301,390,000 | 389,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,035,720,000 | 1,071,794,000 | 1,183,533,000 | 1,206,746,000 |
| Total capital | 1,120,277,000 | 1,160,091,000 | 1,281,721,000 | 1,319,188,000 |
| Risk-weighted assets | 6,460,295,000 | 6,770,053,000 | 7,549,452,000 | 8,665,822,000 |