Call reports 2016
COMENITY BANK — 2016
What COMENITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 10,316,558,000 | 10,431,481,000 | 10,938,516,000 | 11,814,228,000 |
| Total loans | 9,313,511,000 | 9,568,411,000 | 9,918,515,000 | 10,781,834,000 |
| Allowance for loan losses | 491,011,000 | 523,655,000 | 588,205,000 | 630,670,000 |
| Securities available for sale | 180,162,000 | 158,965,000 | 159,245,000 | 158,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,003,641,000 | 3,510,031,000 | 3,924,583,000 | 4,176,879,000 |
| Interest-bearing deposits | 2,947,217,000 | 3,458,320,000 | 3,878,261,000 | 4,128,854,000 |
| Noninterest-bearing deposits | 56,424,000 | 51,711,000 | 46,322,000 | 48,025,000 |
| Equity capital | 1,496,094,000 | 1,496,709,000 | 1,604,015,000 | 1,539,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 641,235,000 | 1,313,571,000 | 2,038,731,000 | 2,762,336,000 |
| Interest expense | 36,191,000 | 73,284,000 | 112,519,000 | 154,792,000 |
| Net interest income | 605,044,000 | 1,240,287,000 | 1,926,212,000 | 2,607,544,000 |
| Noninterest income | 5,283,000 | -10,609,000 | -19,263,000 | -36,586,000 |
| Noninterest expense | 287,618,000 | 595,324,000 | 889,186,000 | 1,203,279,000 |
| Provision for loan losses | 120,759,000 | 270,471,000 | 447,761,000 | 622,702,000 |
| Pretax income | 201,950,000 | 363,883,000 | 570,002,000 | 744,977,000 |
| Income tax | 75,943,000 | 138,866,000 | 213,755,000 | 282,225,000 |
| Net income | 126,007,000 | 225,017,000 | 356,247,000 | 462,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,426,517,000 | 1,433,680,000 | 1,533,563,000 | 1,479,299,000 |
| Total capital | 1,553,206,000 | 1,559,993,000 | 1,666,335,000 | 1,621,555,000 |
| Risk-weighted assets | 9,770,758,000 | 9,707,707,000 | 10,166,340,000 | 10,892,046,000 |