Call reports 2013
INTERNATIONAL BANK OF COMMERCE — 2013
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 886,631,000 | 928,256,000 | 1,043,419,000 | 1,041,566,000 |
| Total loans | 452,265,000 | 437,963,000 | 429,477,000 | 426,416,000 |
| Allowance for loan losses | 5,342,000 | 5,364,000 | 5,776,000 | 5,230,000 |
| Securities available for sale | 358,589,000 | 415,351,000 | 536,604,000 | 523,535,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,057,000 | 670,232,000 | 676,638,000 | 679,506,000 |
| Interest-bearing deposits | 463,817,000 | 460,674,000 | 469,709,000 | 480,006,000 |
| Noninterest-bearing deposits | 220,240,000 | 209,558,000 | 206,929,000 | 199,500,000 |
| Equity capital | 134,628,000 | 133,475,000 | 137,701,000 | 139,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,594,000 | 15,285,000 | 23,292,000 | 32,111,000 |
| Interest expense | 570,000 | 1,092,000 | 1,616,000 | 2,172,000 |
| Net interest income | 7,024,000 | 14,193,000 | 21,676,000 | 29,939,000 |
| Noninterest income | 2,985,000 | 6,455,000 | 9,804,000 | 13,127,000 |
| Noninterest expense | 4,731,000 | 9,857,000 | 14,747,000 | 19,464,000 |
| Provision for loan losses | 349,000 | 531,000 | 1,141,000 | 1,211,000 |
| Pretax income | 4,929,000 | 10,260,000 | 15,592,000 | 22,391,000 |
| Income tax | 1,470,000 | 3,282,000 | 5,066,000 | 7,225,000 |
| Net income | 3,459,000 | 6,978,000 | 10,526,000 | 15,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,820,000 | 130,339,000 | 133,886,000 | 138,467,000 |
| Total capital | 132,364,000 | 135,892,000 | 139,890,000 | 143,879,000 |
| Risk-weighted assets | 488,464,000 | 494,393,000 | 507,256,000 | 520,647,000 |
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