Call reports 2003
MBNA AMERICA (DELAWARE), N.A. — 2003
What MBNA AMERICA (DELAWARE), N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,809,058,000 | 1,995,363,000 | 1,558,619,000 | 2,032,341,000 |
| Total loans | 1,427,056,000 | 1,582,265,000 | 1,130,786,000 | 1,553,587,000 |
| Allowance for loan losses | 20,533,000 | 16,671,000 | 16,345,000 | 39,698,000 |
| Securities available for sale | 80,819,000 | 80,800,000 | 80,559,000 | 80,356,000 |
| Securities held to maturity | 10,412,000 | 10,166,000 | 9,474,000 | 8,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,731,000 | 8,981,000 | 38,539,000 | 37,379,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 16,731,000 | 8,981,000 | 38,539,000 | 37,379,000 |
| Equity capital | 488,881,000 | 505,655,000 | 522,489,000 | 538,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 28,460,000 | 59,903,000 | 86,371,000 | 112,325,000 |
| Interest expense | 9,836,000 | 20,648,000 | 29,438,000 | 37,889,000 |
| Net interest income | 18,624,000 | 39,255,000 | 56,933,000 | 74,436,000 |
| Noninterest income | 50,181,000 | 103,976,000 | 166,076,000 | 235,938,000 |
| Noninterest expense | 43,523,000 | 85,332,000 | 132,581,000 | 180,090,000 |
| Provision for loan losses | 8,867,000 | 15,487,000 | 21,706,000 | 35,474,000 |
| Pretax income | 16,415,000 | 42,412,000 | 68,722,000 | 94,810,000 |
| Income tax | 5,806,000 | 15,001,000 | 24,307,000 | 33,927,000 |
| Net income | 10,609,000 | 27,411,000 | 44,415,000 | 60,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 452,957,000 | 481,516,000 | 509,730,000 | 526,630,000 |
| Total capital | 473,490,000 | 498,187,000 | 526,075,000 | 551,920,000 |
| Risk-weighted assets | 1,655,234,000 | 1,822,617,000 | 1,428,876,000 | 1,855,349,000 |