Call reports 2016
FLAGSTAR BANK, FSB — 2016
What FLAGSTAR BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 13,670,039,000 | 13,657,010,000 | 14,202,207,000 | 13,980,496,000 |
| Total loans | 8,692,333,000 | 9,348,474,000 | 10,086,512,000 | 9,606,999,000 |
| Allowance for loan losses | 162,000,000 | 150,000,000 | 143,000,000 | 142,000,000 |
| Securities available for sale | 1,314,005,000 | 1,144,604,000 | 1,113,769,000 | 1,480,222,000 |
| Securities held to maturity | 1,253,348,000 | 1,211,262,000 | 1,156,416,000 | 1,092,798,000 |
| Trading assets | 44,039,000 | 73,513,000 | 39,354,000 | 31,167,000 |
| Total deposits | 8,664,449,000 | 8,772,782,000 | 9,667,980,000 | 8,926,186,000 |
| Interest-bearing deposits | 6,485,403,000 | 6,461,933,000 | 6,826,918,000 | 6,723,025,000 |
| Noninterest-bearing deposits | 2,179,046,000 | 2,310,849,000 | 2,841,062,000 | 2,203,161,000 |
| Equity capital | 1,753,564,000 | 1,794,872,000 | 1,663,323,000 | 1,711,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 100,929,000 | 199,999,000 | 305,803,000 | 416,935,000 |
| Interest expense | 19,859,000 | 40,005,000 | 60,273,000 | 79,103,000 |
| Net interest income | 81,070,000 | 159,994,000 | 245,530,000 | 337,832,000 |
| Noninterest income | 103,924,000 | 226,494,000 | 375,958,000 | 471,050,000 |
| Noninterest expense | 135,595,000 | 267,109,000 | 401,441,000 | 537,840,000 |
| Provision for loan losses | -13,009,000 | -16,496,000 | -9,163,000 | -8,242,000 |
| Pretax income | 62,408,000 | 136,945,000 | 233,406,000 | 283,480,000 |
| Income tax | 21,295,000 | 45,453,000 | 78,022,000 | 95,000,000 |
| Net income | 41,113,000 | 91,492,000 | 155,384,000 | 188,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,509,245,000 | 1,575,956,000 | 1,459,093,000 | 1,491,362,000 |
| Total capital | 1,604,788,000 | 1,679,043,000 | 1,571,271,000 | 1,597,917,000 |
| Risk-weighted assets | 7,420,938,000 | 8,048,013,000 | 8,794,015,000 | 8,331,867,000 |