Call reports 2025
COMENITY BANK — 2025
What COMENITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,663,180,000 | 7,439,587,000 | 7,308,385,000 | 7,760,444,000 |
| Total loans | 6,548,288,000 | 6,410,832,000 | 6,346,682,000 | 6,756,180,000 |
| Allowance for loan losses | 805,739,000 | 775,370,000 | 761,507,000 | 770,008,000 |
| Securities available for sale | 81,579,000 | 80,567,000 | 79,375,000 | 78,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,221,855,000 | 3,404,521,000 | 3,622,413,000 | 3,743,381,000 |
| Interest-bearing deposits | 3,181,574,000 | 3,364,340,000 | 3,583,016,000 | 3,705,448,000 |
| Noninterest-bearing deposits | 40,281,000 | 40,181,000 | 39,397,000 | 37,933,000 |
| Equity capital | 1,167,277,000 | 1,057,657,000 | 1,010,711,000 | 1,050,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 465,906,000 | 912,187,000 | 1,370,484,000 | 1,829,177,000 |
| Interest expense | 79,126,000 | 155,385,000 | 230,296,000 | 301,882,000 |
| Net interest income | 386,780,000 | 756,802,000 | 1,140,188,000 | 1,527,295,000 |
| Noninterest income | 35,523,000 | 71,409,000 | 106,757,000 | 132,347,000 |
| Noninterest expense | 197,748,000 | 403,686,000 | 610,027,000 | 823,116,000 |
| Provision for loan losses | 86,546,000 | 171,956,000 | 267,098,000 | 387,991,000 |
| Pretax income | 138,292,000 | 253,005,000 | 371,480,000 | 450,742,000 |
| Income tax | 36,452,000 | 63,266,000 | 57,530,000 | 75,246,000 |
| Net income | 101,840,000 | 189,739,000 | 313,950,000 | 375,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,173,398,000 | 1,063,788,000 | 1,015,435,000 | 1,054,628,000 |
| Total capital | 1,268,608,000 | 1,156,419,000 | 1,106,311,000 | 1,150,300,000 |
| Risk-weighted assets | 6,906,267,000 | 6,727,727,000 | 6,599,442,000 | 6,979,457,000 |