Call reports 2015
INTERNATIONAL BANK OF COMMERCE — 2015
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,072,146,000 | 1,054,829,000 | 1,021,381,000 | 1,026,133,000 |
| Total loans | 418,762,000 | 420,332,000 | 420,264,000 | 435,114,000 |
| Allowance for loan losses | 5,788,000 | 4,909,000 | 5,396,000 | 5,502,000 |
| Securities available for sale | 544,243,000 | 514,366,000 | 492,866,000 | 465,681,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 717,453,000 | 725,840,000 | 723,833,000 | 733,987,000 |
| Interest-bearing deposits | 483,616,000 | 494,440,000 | 488,399,000 | 490,385,000 |
| Noninterest-bearing deposits | 233,837,000 | 231,400,000 | 235,434,000 | 243,602,000 |
| Equity capital | 156,924,000 | 157,916,000 | 156,887,000 | 157,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,433,000 | 17,148,000 | 25,618,000 | 34,194,000 |
| Interest expense | 628,000 | 1,184,000 | 1,716,000 | 2,224,000 |
| Net interest income | 7,805,000 | 15,964,000 | 23,902,000 | 31,970,000 |
| Noninterest income | 3,087,000 | 6,668,000 | 10,061,000 | 13,252,000 |
| Noninterest expense | 5,112,000 | 10,467,000 | 15,878,000 | 21,044,000 |
| Provision for loan losses | 248,000 | 17,000 | 625,000 | 1,212,000 |
| Pretax income | 5,532,000 | 12,148,000 | 17,460,000 | 22,966,000 |
| Income tax | 1,870,000 | 4,293,000 | 6,494,000 | 8,410,000 |
| Net income | 3,662,000 | 7,855,000 | 10,966,000 | 14,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,246,000 | 153,439,000 | 150,550,000 | 154,141,000 |
| Total capital | 155,275,000 | 158,629,000 | 156,225,000 | 159,913,000 |
| Risk-weighted assets | 551,270,000 | 582,207,000 | 570,407,000 | 587,063,000 |