Call reports 2020
COMENITY BANK — 2020
What COMENITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 12,143,555,000 | 10,921,064,000 | 10,082,814,000 | 10,125,921,000 |
| Total loans | 10,135,297,000 | 8,931,403,000 | 8,493,336,000 | 8,839,454,000 |
| Allowance for loan losses | 1,289,853,000 | 1,203,467,000 | 1,179,798,000 | 1,105,028,000 |
| Securities available for sale | 128,854,000 | 122,084,000 | 111,936,000 | 102,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,749,105,000 | 4,294,406,000 | 3,825,976,000 | 3,647,692,000 |
| Interest-bearing deposits | 4,701,267,000 | 4,244,863,000 | 3,781,747,000 | 3,603,265,000 |
| Noninterest-bearing deposits | 47,838,000 | 49,543,000 | 44,229,000 | 44,427,000 |
| Equity capital | 1,518,617,000 | 1,593,339,000 | 1,614,086,000 | 1,656,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 808,060,000 | 1,362,075,000 | 1,937,951,000 | 2,528,985,000 |
| Interest expense | 71,996,000 | 131,367,000 | 184,175,000 | 231,153,000 |
| Net interest income | 736,064,000 | 1,230,708,000 | 1,753,776,000 | 2,297,832,000 |
| Noninterest income | -27,726,000 | -62,456,000 | -115,404,000 | -179,523,000 |
| Noninterest expense | 284,894,000 | 545,538,000 | 774,466,000 | 1,039,686,000 |
| Provision for loan losses | 375,783,000 | 473,481,000 | 579,294,000 | 645,663,000 |
| Pretax income | 47,826,000 | 149,486,000 | 284,865,000 | 433,092,000 |
| Income tax | 1,712,000 | 29,190,000 | 64,139,000 | 100,644,000 |
| Net income | 46,114,000 | 120,296,000 | 220,726,000 | 332,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,752,240,000 | 1,859,353,000 | 1,880,863,000 | 1,910,096,000 |
| Total capital | 1,892,261,000 | 1,985,448,000 | 2,004,343,000 | 2,033,215,000 |
| Risk-weighted assets | 10,476,716,000 | 9,413,550,000 | 9,218,655,000 | 9,248,212,000 |