Call reports 2016
INTERNATIONAL BANK OF COMMERCE — 2016
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 991,133,000 | 999,011,000 | 975,013,000 | 930,241,000 |
| Total loans | 430,525,000 | 461,534,000 | 448,739,000 | 438,758,000 |
| Allowance for loan losses | 5,252,000 | 5,498,000 | 5,369,000 | 5,108,000 |
| Securities available for sale | 449,911,000 | 427,233,000 | 392,239,000 | 360,611,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 738,102,000 | 726,861,000 | 734,452,000 | 749,596,000 |
| Interest-bearing deposits | 487,456,000 | 488,401,000 | 483,699,000 | 505,827,000 |
| Noninterest-bearing deposits | 250,646,000 | 238,460,000 | 250,753,000 | 243,769,000 |
| Equity capital | 164,343,000 | 168,853,000 | 161,940,000 | 160,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,326,000 | 16,984,000 | 25,023,000 | 32,670,000 |
| Interest expense | 521,000 | 932,000 | 1,498,000 | 1,897,000 |
| Net interest income | 7,805,000 | 16,052,000 | 23,525,000 | 30,773,000 |
| Noninterest income | 3,211,000 | 6,434,000 | 9,954,000 | 13,183,000 |
| Noninterest expense | 5,455,000 | 11,115,000 | 16,688,000 | 21,892,000 |
| Provision for loan losses | -142,000 | 270,000 | 325,000 | 243,000 |
| Pretax income | 5,703,000 | 11,101,000 | 16,397,000 | 21,752,000 |
| Income tax | 2,023,000 | 3,942,000 | 5,414,000 | 7,311,000 |
| Net income | 3,680,000 | 7,159,000 | 10,983,000 | 14,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,822,000 | 161,300,000 | 155,125,000 | 158,533,000 |
| Total capital | 163,348,000 | 167,077,000 | 160,770,000 | 163,937,000 |
| Risk-weighted assets | 577,470,000 | 617,486,000 | 596,102,000 | 618,924,000 |