Call reports 2019
COMENITY BANK — 2019
What COMENITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 13,170,786,000 | 13,733,064,000 | 13,836,207,000 | 13,958,152,000 |
| Total loans | 10,939,568,000 | 11,386,388,000 | 11,260,353,000 | 11,838,999,000 |
| Allowance for loan losses | 661,906,000 | 642,614,000 | 676,865,000 | 731,838,000 |
| Securities available for sale | 159,076,000 | 166,302,000 | 137,518,000 | 130,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,945,890,000 | 5,241,891,000 | 5,335,877,000 | 5,146,311,000 |
| Interest-bearing deposits | 4,897,527,000 | 5,194,267,000 | 5,288,953,000 | 5,101,071,000 |
| Noninterest-bearing deposits | 48,363,000 | 47,624,000 | 46,924,000 | 45,240,000 |
| Equity capital | 1,878,701,000 | 1,866,274,000 | 1,873,534,000 | 1,830,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 792,048,000 | 1,554,387,000 | 2,387,929,000 | 3,205,707,000 |
| Interest expense | 78,479,000 | 152,718,000 | 232,209,000 | 308,235,000 |
| Net interest income | 713,569,000 | 1,401,669,000 | 2,155,720,000 | 2,897,472,000 |
| Noninterest income | -39,610,000 | -89,299,000 | -139,936,000 | -186,250,000 |
| Noninterest expense | 363,530,000 | 690,908,000 | 1,025,466,000 | 1,376,138,000 |
| Provision for loan losses | 173,829,000 | 336,187,000 | 526,247,000 | 752,995,000 |
| Pretax income | 136,726,000 | 285,547,000 | 464,421,000 | 582,391,000 |
| Income tax | 13,821,000 | 52,684,000 | 100,871,000 | 130,994,000 |
| Net income | 122,905,000 | 232,863,000 | 363,550,000 | 451,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,834,600,000 | 1,799,925,000 | 1,809,838,000 | 1,775,560,000 |
| Total capital | 1,981,709,000 | 1,953,403,000 | 1,967,177,000 | 1,934,559,000 |
| Risk-weighted assets | 11,253,942,000 | 11,789,113,000 | 12,067,564,000 | 12,147,083,000 |