Call reports 2022
INTERNATIONAL BANK OF COMMERCE — 2022
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,903,297,000 | 3,983,348,000 | 3,897,623,000 | 3,892,731,000 |
| Total loans | 1,109,983,000 | 1,126,572,000 | 1,193,618,000 | 1,223,199,000 |
| Allowance for loan losses | 17,931,000 | 18,233,000 | 19,517,000 | 20,333,000 |
| Securities available for sale | 2,535,412,000 | 2,642,816,000 | 2,352,760,000 | 2,420,912,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,586,801,000 | 3,674,899,000 | 3,652,827,000 | 3,610,827,000 |
| Interest-bearing deposits | 1,851,384,000 | 1,934,415,000 | 1,971,072,000 | 1,983,240,000 |
| Noninterest-bearing deposits | 1,735,417,000 | 1,740,484,000 | 1,681,755,000 | 1,627,587,000 |
| Equity capital | 261,335,000 | 223,272,000 | 184,425,000 | 204,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 19,431,000 | 42,378,000 | 73,480,000 | 112,908,000 |
| Interest expense | 930,000 | 1,863,000 | 3,536,000 | 6,734,000 |
| Net interest income | 18,501,000 | 40,515,000 | 69,944,000 | 106,174,000 |
| Noninterest income | 12,320,000 | 25,078,000 | 38,867,000 | 51,810,000 |
| Noninterest expense | 14,651,000 | 31,100,000 | 47,990,000 | 62,573,000 |
| Provision for loan losses | 193,000 | 950,000 | 2,939,000 | 4,310,000 |
| Pretax income | 15,977,000 | 33,543,000 | 57,882,000 | 91,101,000 |
| Income tax | 3,337,000 | 7,103,000 | 12,317,000 | 18,964,000 |
| Net income | 12,640,000 | 26,440,000 | 45,565,000 | 72,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 328,597,000 | 317,397,000 | 336,521,000 | 363,093,000 |
| Total capital | 346,964,000 | 336,016,000 | 356,421,000 | 383,804,000 |
| Risk-weighted assets | 1,572,444,000 | 1,597,400,000 | 1,708,488,000 | 1,740,780,000 |