| Weiss Ratings |
Comenity Capital Bank
Draper, UT |
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| Rating | ||||
| Asset Quality Index | 1.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 7.70 | |||
| 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 | 4.01% | |||
| 5-Year Asset Growth | 8.39% | |||
| 5-Year Charge-Offs to Average Loans | 6.54% | |||
| Charge-Offs to Average Loans | 8.52% | |||
| Non-Performing Assets to Assets | 1.50% | |||
| Non-Performing Loans to Capital | 17.13% | |||
| Non-Performing Loans to Loans | 1.83% | |||
| Balance Sheet |
Comenity Capital Bank
Draper, UT |
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| Total Assets | 13.24B | |||
| Total Deposits | 9.94B | |||
| Capital and Reserves |
Comenity Capital Bank
Draper, UT |
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| Capital | 1.83B | |||
| Leverage Ratio | 13.15 | |||
| Loan Loss Reserves to Loans | 12.54% | |||
| Risk-Based Capital Ratio | 18.92 | |||
| Liquidity |
Comenity Capital Bank
Draper, UT |
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| Hot Money Ratio | 28.73% | |||
| Liquidity Ratio | 24.55% | |||
| Profitability |
Comenity Capital Bank
Draper, UT |
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| 5-Year Return on Average Assets | 2.16% | |||
| Net Income | 70.10M | |||
| Net Interest Spread | 17.11% | |||
| Operating Profit to Average Assets | 2.93% | |||
| Overhead Efficiency Ratio | 53.41% | |||
| Return on Assets | 2.11% | |||
| Return on Equity | 15.23% | |||