Call reports 2014
INTERNATIONAL BANK OF COMMERCE — 2014
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,019,523,000 | 1,058,724,000 | 1,048,233,000 | 1,071,265,000 |
| Total loans | 416,715,000 | 416,831,000 | 404,971,000 | 413,255,000 |
| Allowance for loan losses | 5,017,000 | 5,307,000 | 5,441,000 | 5,680,000 |
| Securities available for sale | 509,993,000 | 553,914,000 | 541,194,000 | 563,188,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,807,000 | 684,525,000 | 689,882,000 | 697,833,000 |
| Interest-bearing deposits | 486,629,000 | 476,434,000 | 468,392,000 | 487,655,000 |
| Noninterest-bearing deposits | 219,178,000 | 208,091,000 | 221,490,000 | 210,178,000 |
| Equity capital | 145,502,000 | 147,643,000 | 146,037,000 | 150,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,602,000 | 17,406,000 | 26,018,000 | 34,945,000 |
| Interest expense | 522,000 | 1,033,000 | 1,539,000 | 2,057,000 |
| Net interest income | 8,080,000 | 16,373,000 | 24,479,000 | 32,888,000 |
| Noninterest income | 3,031,000 | 6,219,000 | 9,278,000 | 12,243,000 |
| Noninterest expense | 4,687,000 | 9,927,000 | 15,176,000 | 20,856,000 |
| Provision for loan losses | -60,000 | 379,000 | 772,000 | 1,402,000 |
| Pretax income | 6,484,000 | 12,286,000 | 17,809,000 | 22,873,000 |
| Income tax | 2,216,000 | 4,198,000 | 6,097,000 | 7,817,000 |
| Net income | 4,268,000 | 8,088,000 | 11,712,000 | 15,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,764,000 | 141,615,000 | 142,241,000 | 145,584,000 |
| Total capital | 147,991,000 | 147,110,000 | 147,867,000 | 151,489,000 |
| Risk-weighted assets | 505,881,000 | 507,529,000 | 518,008,000 | 529,757,000 |