Call reports 2004
MBNA AMERICA (DELAWARE), N.A. — 2004
What MBNA AMERICA (DELAWARE), N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 3,206,864,000 | 3,328,050,000 | 3,487,775,000 | 3,919,502,000 |
| Total loans | 2,581,454,000 | 2,734,271,000 | 2,828,761,000 | 3,215,893,000 |
| Allowance for loan losses | 68,678,000 | 73,431,000 | 73,081,000 | 75,374,000 |
| Securities available for sale | 130,645,000 | 179,049,000 | 204,419,000 | 203,120,000 |
| Securities held to maturity | 7,893,000 | 7,533,000 | 6,991,000 | 6,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,991,000 | 45,420,000 | 45,851,000 | 48,881,000 |
| Interest-bearing deposits | 34,863,000 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 6,128,000 | 45,420,000 | 45,851,000 | 48,881,000 |
| Equity capital | 557,890,000 | 582,325,000 | 605,429,000 | 632,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 34,404,000 | 88,771,000 | 145,606,000 | 208,056,000 |
| Interest expense | 8,048,000 | 25,444,000 | 43,769,000 | 64,326,000 |
| Net interest income | 26,356,000 | 63,327,000 | 101,837,000 | 143,730,000 |
| Noninterest income | 67,521,000 | 143,108,000 | 215,260,000 | 291,620,000 |
| Noninterest expense | 50,378,000 | 106,449,000 | 163,214,000 | 223,160,000 |
| Provision for loan losses | 13,940,000 | 30,946,000 | 49,291,000 | 64,587,000 |
| Pretax income | 29,559,000 | 69,040,000 | 104,592,000 | 147,604,000 |
| Income tax | 10,668,000 | 24,724,000 | 37,400,000 | 52,568,000 |
| Net income | 18,891,000 | 44,316,000 | 67,192,000 | 95,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 498,964,000 | 524,911,000 | 547,356,000 | 575,650,000 |
| Total capital | 537,154,000 | 564,693,000 | 589,650,000 | 622,707,000 |
| Risk-weighted assets | 2,906,822,000 | 3,042,646,000 | 3,252,019,000 | 3,644,524,000 |