Call reports 2019
INTERNATIONAL BANK OF COMMERCE — 2019
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,047,570,000 | 1,066,256,000 | 1,055,317,000 | 1,074,874,000 |
| Total loans | 538,117,000 | 588,066,000 | 625,253,000 | 634,818,000 |
| Allowance for loan losses | 5,648,000 | 6,019,000 | 6,557,000 | 6,948,000 |
| Securities available for sale | 303,409,000 | 342,903,000 | 318,883,000 | 307,642,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 835,492,000 | 839,136,000 | 836,966,000 | 848,800,000 |
| Interest-bearing deposits | 517,410,000 | 511,481,000 | 512,980,000 | 537,308,000 |
| Noninterest-bearing deposits | 318,082,000 | 327,655,000 | 323,986,000 | 311,492,000 |
| Equity capital | 184,399,000 | 192,020,000 | 183,559,000 | 188,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,413,000 | 22,798,000 | 34,831,000 | 46,104,000 |
| Interest expense | 996,000 | 2,037,000 | 3,143,000 | 4,314,000 |
| Net interest income | 10,417,000 | 20,761,000 | 31,688,000 | 41,790,000 |
| Noninterest income | 3,633,000 | 7,100,000 | 11,106,000 | 15,108,000 |
| Noninterest expense | 6,040,000 | 12,340,000 | 18,639,000 | 24,889,000 |
| Provision for loan losses | 59,000 | 595,000 | 1,388,000 | 2,022,000 |
| Pretax income | 7,951,000 | 14,926,000 | 22,767,000 | 29,987,000 |
| Income tax | 1,615,000 | 3,037,000 | 4,639,000 | 6,331,000 |
| Net income | 6,336,000 | 11,889,000 | 18,128,000 | 23,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,792,000 | 189,345,000 | 179,583,000 | 185,112,000 |
| Total capital | 189,820,000 | 195,804,000 | 186,467,000 | 192,417,000 |
| Risk-weighted assets | 719,301,000 | 801,017,000 | 790,422,000 | 815,483,000 |