Call reports 2015
FLAGSTAR BANK, FSB — 2015
What FLAGSTAR BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 11,509,024,000 | 12,075,669,000 | 12,454,118,000 | 13,649,486,000 |
| Total loans | 7,431,830,000 | 7,964,924,000 | 8,430,644,000 | 9,413,082,000 |
| Allowance for loan losses | 253,000,000 | 222,000,000 | 197,000,000 | 187,000,000 |
| Securities available for sale | 2,295,276,000 | 2,272,315,000 | 1,150,350,000 | 1,293,705,000 |
| Securities held to maturity | 0 | 0 | 1,108,037,000 | 1,267,614,000 |
| Trading assets | 4,428,000 | 3,324,000 | 11,618,000 | 17,074,000 |
| Total deposits | 7,902,425,000 | 7,885,147,000 | 8,363,184,000 | 8,097,901,000 |
| Interest-bearing deposits | 6,081,344,000 | 6,230,921,000 | 6,387,655,000 | 6,360,217,000 |
| Noninterest-bearing deposits | 1,821,081,000 | 1,654,226,000 | 1,975,529,000 | 1,737,684,000 |
| Equity capital | 1,602,654,000 | 1,638,415,000 | 1,693,987,000 | 1,722,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 79,814,000 | 168,833,000 | 260,910,000 | 356,085,000 |
| Interest expense | 12,733,000 | 27,431,000 | 43,876,000 | 61,034,000 |
| Net interest income | 67,081,000 | 141,402,000 | 217,034,000 | 295,051,000 |
| Noninterest income | 113,591,000 | 235,494,000 | 359,222,000 | 446,926,000 |
| Noninterest expense | 130,229,000 | 259,688,000 | 383,760,000 | 503,847,000 |
| Provision for loan losses | -3,458,000 | -16,804,000 | -17,621,000 | -19,114,000 |
| Pretax income | 53,901,000 | 134,012,000 | 210,117,000 | 259,846,000 |
| Income tax | 20,910,000 | 50,118,000 | 76,080,000 | 87,749,000 |
| Net income | 32,991,000 | 83,894,000 | 134,037,000 | 172,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,278,496,000 | 1,336,875,000 | 1,426,114,000 | 1,472,161,000 |
| Total capital | 1,357,362,000 | 1,423,290,000 | 1,515,647,000 | 1,570,218,000 |
| Risk-weighted assets | 5,925,400,000 | 6,569,757,000 | 6,874,402,000 | 7,581,821,000 |