COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2019

COMMITMENTS AND CONTINGENCIES.

Schedule of actual capital ratios and minimum ratios

The actual capital ratios and minimum ratios as of December 31, 2019 are as follows:

					Minimum Ratio to be
			Minimum Ratio for		Well Capitalized under
	Actual		Capital Adequacy		Prompt Corrective
	Ratio		Purposes		Action Provisions
Comenity Bank
Tier 1 capital to average assets	12.9	%	4.0	%	5.0	%
Common Equity Tier 1 capital to risk-weighted assets	14.6		4.5		6.5
Tier 1 capital to risk-weighted assets	14.6		6.0		8.0
Total capital to risk-weighted assets	15.9		8.0		10.0
Comenity Capital Bank
Tier 1 capital to average assets	11.9	%	4.0	%	5.0	%
Common Equity Tier 1 capital to risk-weighted assets	14.4		4.5		6.5
Tier 1 capital to risk-weighted assets	14.4		6.0		8.0
Total capital to risk-weighted assets	15.7		8.0		10.0

The actual capital ratios and minimum ratios as of December 31, 2018 are as follows:

					Minimum Ratio to be
			Minimum Ratio for		Well Capitalized under
	Actual		Capital Adequacy		Prompt Corrective
	Ratio		Purposes		Action Provisions
Comenity Bank
Tier 1 capital to average assets	13.1	%	4.0	%	5.0	%
Common Equity Tier 1 capital to risk-weighted assets	14.6		4.5		6.5
Tier 1 capital to risk-weighted assets	14.6		6.0		8.0
Total capital to risk-weighted assets	15.9		8.0		10.0
Comenity Capital Bank
Tier 1 capital to average assets	12.1	%	4.0	%	5.0	%
Common Equity Tier 1 capital to risk-weighted assets	14.4		4.5		6.5
Tier 1 capital to risk-weighted assets	14.4		6.0		8.0
Total capital to risk-weighted assets	15.7		8.0		10.0