Call reports 2002
MBNA AMERICA (DELAWARE), N.A. — 2002
What MBNA AMERICA (DELAWARE), N.A. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,910,691,000 | 2,029,049,000 | 2,097,445,000 | 1,708,852,000 |
| Total loans | 1,572,985,000 | 1,692,229,000 | 1,740,760,000 | 1,318,177,000 |
| Allowance for loan losses | 24,250,000 | 22,414,000 | 22,125,000 | 21,387,000 |
| Securities available for sale | 80,702,000 | 80,480,000 | 80,928,000 | 80,961,000 |
| Securities held to maturity | 11,971,000 | 11,616,000 | 11,475,000 | 10,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,522,000 | 4,241,000 | 3,975,000 | 10,468,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 4,522,000 | 4,241,000 | 3,975,000 | 10,468,000 |
| Equity capital | 400,522,000 | 453,333,000 | 464,276,000 | 478,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 32,175,000 | 66,211,000 | 100,367,000 | 133,360,000 |
| Interest expense | 11,516,000 | 22,861,000 | 34,585,000 | 45,289,000 |
| Net interest income | 20,659,000 | 43,350,000 | 65,782,000 | 88,071,000 |
| Noninterest income | 42,449,000 | 88,610,000 | 134,641,000 | 182,307,000 |
| Noninterest expense | 40,121,000 | 78,331,000 | 120,174,000 | 160,027,000 |
| Provision for loan losses | 17,075,000 | 27,756,000 | 37,979,000 | 46,724,000 |
| Pretax income | 5,912,000 | 25,873,000 | 42,270,000 | 63,627,000 |
| Income tax | 2,087,000 | 9,133,000 | 14,921,000 | 22,394,000 |
| Net income | 3,825,000 | 16,740,000 | 27,349,000 | 41,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 311,236,000 | 385,015,000 | 406,460,000 | 431,918,000 |
| Total capital | 332,725,000 | 407,429,000 | 428,585,000 | 451,999,000 |
| Risk-weighted assets | 1,716,371,000 | 1,850,396,000 | 1,911,095,000 | 1,539,466,000 |