| Weiss Ratings |
Comenity Capital Bank
Draper, UT |
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| Rating | ||||
| Asset Quality Index | 1.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 9.80 | |||
| Company Info |
Comenity Capital Bank
Draper, UT |
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| FDIC Number | 57570 | |||
| Phone Number | (801) 527-2273 | |||
| Website | www.breadfinancial.com | |||
| Asset Quality |
Comenity Capital Bank
Draper, UT |
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| 1-Year Asset Growth | 7.49% | |||
| 5-Year Asset Growth | 8.29% | |||
| 5-Year Charge-Offs to Average Loans | 5.75% | |||
| Charge-Offs to Average Loans | 9.15% | |||
| Non-Performing Assets to Assets | 1.38% | |||
| Non-Performing Loans to Capital | 14.99% | |||
| Non-Performing Loans to Loans | 1.65% | |||
| Balance Sheet |
Comenity Capital Bank
Draper, UT |
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| Total Assets | 12.67B | |||
| Total Deposits | 9.53B | |||
| Capital and Reserves |
Comenity Capital Bank
Draper, UT |
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| Capital | 2.02B | |||
| Leverage Ratio | 15.72 | |||
| Loan Loss Reserves to Loans | 12.35% | |||
| Risk-Based Capital Ratio | 19.49 | |||
| Liquidity |
Comenity Capital Bank
Draper, UT |
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| Hot Money Ratio | 28.98% | |||
| Liquidity Ratio | 23.37% | |||
| Profitability |
Comenity Capital Bank
Draper, UT |
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| 5-Year Return on Average Assets | 2.27% | |||
| Net Income | 178.36M | |||
| Net Interest Spread | 17.05% | |||
| Operating Profit to Average Assets | 3.79% | |||
| Overhead Efficiency Ratio | 49.16% | |||
| Return on Assets | 2.80% | |||
| Return on Equity | 18.11% | |||
