Call reports 2009
INTERNATIONAL BANK OF COMMERCE — 2009
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 849,866,000 | 794,454,000 | 813,891,000 | 828,266,000 |
| Total loans | 376,801,000 | 390,695,000 | 395,971,000 | 400,481,000 |
| Allowance for loan losses | 5,035,000 | 5,377,000 | 5,891,000 | 6,154,000 |
| Securities available for sale | 401,593,000 | 335,864,000 | 348,487,000 | 357,612,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,947,000 | 548,828,000 | 552,563,000 | 564,655,000 |
| Interest-bearing deposits | 430,481,000 | 440,526,000 | 447,890,000 | 456,434,000 |
| Noninterest-bearing deposits | 110,466,000 | 108,302,000 | 104,673,000 | 108,221,000 |
| Equity capital | 94,665,000 | 98,418,000 | 101,774,000 | 107,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,913,000 | 19,669,000 | 28,860,000 | 38,088,000 |
| Interest expense | 2,282,000 | 4,119,000 | 5,781,000 | 7,309,000 |
| Net interest income | 7,631,000 | 15,550,000 | 23,079,000 | 30,779,000 |
| Noninterest income | 2,984,000 | 5,991,000 | 9,215,000 | 12,412,000 |
| Noninterest expense | 4,577,000 | 9,630,000 | 14,363,000 | 18,863,000 |
| Provision for loan losses | 273,000 | 742,000 | 1,425,000 | 1,909,000 |
| Pretax income | 5,765,000 | 11,719,000 | 17,080,000 | 22,993,000 |
| Income tax | 1,971,000 | 4,014,000 | 5,803,000 | 7,812,000 |
| Net income | 3,794,000 | 7,705,000 | 11,277,000 | 15,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,792,000 | 91,703,000 | 95,275,000 | 99,179,000 |
| Total capital | 93,040,000 | 97,266,000 | 101,063,000 | 104,964,000 |
| Risk-weighted assets | 454,909,000 | 457,262,000 | 462,805,000 | 462,299,000 |
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