Call reports 2005
MBNA AMERICA (DELAWARE), N.A. — 2005
What MBNA AMERICA (DELAWARE), N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 5,250,538,000 | 5,483,727,000 | 5,241,876,000 | 5,455,865,000 |
| Total loans | 4,119,029,000 | 4,350,563,000 | 4,068,379,000 | 4,239,478,000 |
| Allowance for loan losses | 68,386,000 | 57,023,000 | 56,856,000 | 67,866,000 |
| Securities available for sale | 241,037,000 | 242,393,000 | 221,527,000 | 221,780,000 |
| Securities held to maturity | 6,140,000 | 5,643,000 | 5,211,000 | 4,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,161,000 | 53,353,000 | 75,257,000 | 78,125,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 39,161,000 | 53,353,000 | 75,257,000 | 78,125,000 |
| Equity capital | 757,996,000 | 953,126,000 | 990,696,000 | 1,007,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 74,799,000 | 160,239,000 | 246,082,000 | 333,110,000 |
| Interest expense | 25,677,000 | 59,518,000 | 96,746,000 | 137,895,000 |
| Net interest income | 49,122,000 | 100,721,000 | 149,336,000 | 195,215,000 |
| Noninterest income | 77,060,000 | 165,403,000 | 263,306,000 | 348,503,000 |
| Noninterest expense | 74,100,000 | 138,828,000 | 211,152,000 | 282,786,000 |
| Provision for loan losses | 10,045,000 | 16,593,000 | 31,307,000 | 62,020,000 |
| Pretax income | 42,037,000 | 110,703,000 | 170,183,000 | 198,912,000 |
| Income tax | 15,285,000 | 39,667,000 | 60,988,000 | 72,749,000 |
| Net income | 26,752,000 | 71,036,000 | 109,195,000 | 126,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 703,004,000 | 743,473,000 | 785,496,000 | 813,543,000 |
| Total capital | 765,592,000 | 800,496,000 | 842,352,000 | 879,307,000 |
| Risk-weighted assets | 4,926,497,000 | 4,928,977,000 | 4,770,622,000 | 4,973,615,000 |