Institution Statistics
| Comenity Capital Bank | | FDIC Certificate # | 57570 | | BankRate Report | View | | Year Established | 2003 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.00 billion | | Loans | $911.27 million | | Deposits | $493.51 million | | Equity Capital | $157.95 million | | Loan Loss Allowance | $70.93 million | | Unbacked Noncurrent Loans | $20.51 million |
Historic Data - December 2011 | | Assets | $706.88 million | | Equity Capital | $101.79 million | | Loan Loss Allowance | $52.90 million | | Unbacked Noncurrent Loans | $13.29 million |
Profit Margin - Quarterly | | Net Interest Margin | 24.87% | | Return on Assets | 10.44% | | Return on Equity | 67.78% | | Interest Income | $194.52 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 World Financial Capital Bank had $20.51 million in non-current loans and owned real-estate with $228.88 million in equity and loan loss allowances on hand to cover it. This gives World Financial Capital Bank a Texas Ratio of 8.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for World Financial Capital Bank held steady from 8.59% as of December 31, 2011 to 8.96% as of December 31, 2012, resulting in a negative change of 4.29%. This indicates that the balance sheet and financial strength for World Financial Capital Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, World Financial Capital Bank has increased its total deposits by $140.85 million, resulting in 39.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth World Financial Capital Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. World Financial Capital Bank has $1 billion in assets with $228.88 million in equity, resulting in a capitalization level of 22.86%, which is excellent. |
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Average User Rating:
Comenity Capital Bank
Comenity Capital Bank
1
Last year i had a heart attack, also I have severe COPD and I am on Oxygen-24-7. My wife had a mild stroke. I am 75 years old. I would like to thank you for working with us during this hard time. what I don't understand is that World Financial Capital Bank keeps call me on the phone as many as 8 times a day or more, 7 days per week. I will continue to make some kind of payment on a regular basis, as I have for this many years. If and when I can I will do more. Please get FCB to stop calling, If I have another heart attack and die. You will not get anything. I will pay each and every month.
I Thank You
Jerry Flowers[/H3]