Call reports 2008
INTERNATIONAL BANK OF COMMERCE — 2008
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 791,038,000 | 793,580,000 | 835,564,000 | 847,833,000 |
| Total loans | 336,240,000 | 360,719,000 | 384,859,000 | 390,832,000 |
| Allowance for loan losses | 4,399,000 | 4,396,000 | 4,662,000 | 4,887,000 |
| Securities available for sale | 383,208,000 | 360,606,000 | 383,730,000 | 384,171,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,253,000 | 521,886,000 | 511,082,000 | 525,971,000 |
| Interest-bearing deposits | 415,460,000 | 409,666,000 | 404,202,000 | 422,426,000 |
| Noninterest-bearing deposits | 109,793,000 | 112,220,000 | 106,880,000 | 103,545,000 |
| Equity capital | 78,116,000 | 79,784,000 | 83,610,000 | 88,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,784,000 | 20,615,000 | 30,806,000 | 41,221,000 |
| Interest expense | 5,039,000 | 8,755,000 | 12,293,000 | 15,394,000 |
| Net interest income | 5,745,000 | 11,860,000 | 18,513,000 | 25,827,000 |
| Noninterest income | 3,094,000 | 6,215,000 | 9,751,000 | 12,970,000 |
| Noninterest expense | 4,675,000 | 9,441,000 | 14,373,000 | 19,342,000 |
| Provision for loan losses | -28,000 | 145,000 | 467,000 | 808,000 |
| Pretax income | 4,192,000 | 8,553,000 | 13,488,000 | 18,711,000 |
| Income tax | 1,388,000 | 2,865,000 | 4,504,000 | 6,307,000 |
| Net income | 2,804,000 | 5,688,000 | 8,984,000 | 12,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,399,000 | 77,284,000 | 80,577,000 | 83,998,000 |
| Total capital | 79,151,000 | 82,035,000 | 85,462,000 | 89,087,000 |
| Risk-weighted assets | 411,984,000 | 437,488,000 | 465,512,000 | 469,865,000 |
Machine access — free, no API key
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