Call reports 2020
INTERNATIONAL BANK OF COMMERCE — 2020
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,079,803,000 | 1,251,748,000 | 1,284,676,000 | 1,329,522,000 |
| Total loans | 627,262,000 | 697,712,000 | 665,854,000 | 699,050,000 |
| Allowance for loan losses | 8,627,000 | 9,791,000 | 10,273,000 | 11,111,000 |
| Securities available for sale | 289,047,000 | 248,419,000 | 273,791,000 | 289,312,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 860,613,000 | 1,028,111,000 | 1,055,514,000 | 1,093,797,000 |
| Interest-bearing deposits | 526,800,000 | 556,662,000 | 573,786,000 | 604,057,000 |
| Noninterest-bearing deposits | 333,813,000 | 471,449,000 | 481,728,000 | 489,740,000 |
| Equity capital | 180,198,000 | 183,751,000 | 189,528,000 | 194,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,189,000 | 22,552,000 | 32,605,000 | 42,797,000 |
| Interest expense | 1,055,000 | 1,837,000 | 2,466,000 | 2,979,000 |
| Net interest income | 10,134,000 | 20,715,000 | 30,139,000 | 39,818,000 |
| Noninterest income | 3,694,000 | 6,771,000 | 11,660,000 | 15,408,000 |
| Noninterest expense | 6,412,000 | 12,176,000 | 18,115,000 | 23,202,000 |
| Provision for loan losses | 1,228,000 | 2,498,000 | 3,023,000 | 4,014,000 |
| Pretax income | 6,188,000 | 12,812,000 | 20,661,000 | 28,010,000 |
| Income tax | 1,212,000 | 2,544,000 | 3,818,000 | 5,103,000 |
| Net income | 4,976,000 | 10,268,000 | 16,843,000 | 22,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 171,645,000 | 176,937,000 | 183,512,000 | 189,575,000 |
| Total capital | 180,536,000 | 186,956,000 | 193,718,000 | 200,268,000 |
| Risk-weighted assets | 766,428,000 | 841,377,000 | 816,213,000 | 854,903,000 |