Call reports 2012
INTERNATIONAL BANK OF COMMERCE — 2012
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 927,518,000 | 932,921,000 | 906,326,000 | 890,574,000 |
| Total loans | 428,807,000 | 445,639,000 | 436,269,000 | 458,468,000 |
| Allowance for loan losses | 5,748,000 | 6,046,000 | 5,758,000 | 5,191,000 |
| Securities available for sale | 421,345,000 | 420,327,000 | 395,549,000 | 359,699,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,796,000 | 647,526,000 | 650,457,000 | 655,862,000 |
| Interest-bearing deposits | 478,639,000 | 494,857,000 | 488,144,000 | 465,744,000 |
| Noninterest-bearing deposits | 162,157,000 | 152,669,000 | 162,313,000 | 190,118,000 |
| Equity capital | 131,943,000 | 135,337,000 | 139,657,000 | 130,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,130,000 | 16,047,000 | 23,975,000 | 31,874,000 |
| Interest expense | 864,000 | 1,687,000 | 2,456,000 | 3,187,000 |
| Net interest income | 7,266,000 | 14,360,000 | 21,519,000 | 28,687,000 |
| Noninterest income | 2,709,000 | 5,478,000 | 8,353,000 | 11,287,000 |
| Noninterest expense | 4,588,000 | 9,417,000 | 14,159,000 | 18,702,000 |
| Provision for loan losses | -1,500,000 | -1,033,000 | -1,120,000 | -1,457,000 |
| Pretax income | 6,887,000 | 11,454,000 | 16,833,000 | 25,096,000 |
| Income tax | 2,225,000 | 3,765,000 | 5,580,000 | 8,441,000 |
| Net income | 4,662,000 | 7,689,000 | 11,253,000 | 16,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,369,000 | 125,396,000 | 128,960,000 | 123,361,000 |
| Total capital | 128,321,000 | 131,513,000 | 134,940,000 | 128,788,000 |
| Risk-weighted assets | 472,552,000 | 483,957,000 | 472,165,000 | 488,883,000 |
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