Call reports 2023
INTERNATIONAL BANK OF COMMERCE — 2023
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,907,783,000 | 3,891,578,000 | 3,872,416,000 | 3,917,989,000 |
| Total loans | 1,252,055,000 | 1,275,944,000 | 1,290,852,000 | 1,296,039,000 |
| Allowance for loan losses | 21,233,000 | 22,546,000 | 23,382,000 | 22,525,000 |
| Securities available for sale | 1,738,753,000 | 1,695,307,000 | 1,780,800,000 | 1,830,488,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,604,017,000 | 3,579,263,000 | 3,538,952,000 | 3,512,901,000 |
| Interest-bearing deposits | 1,967,932,000 | 2,012,522,000 | 2,055,222,000 | 2,086,555,000 |
| Noninterest-bearing deposits | 1,636,085,000 | 1,566,741,000 | 1,483,730,000 | 1,426,346,000 |
| Equity capital | 248,231,000 | 250,795,000 | 260,192,000 | 340,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 44,596,000 | 91,860,000 | 141,588,000 | 192,075,000 |
| Interest expense | 5,544,000 | 13,603,000 | 23,755,000 | 36,244,000 |
| Net interest income | 39,052,000 | 78,257,000 | 117,833,000 | 155,831,000 |
| Noninterest income | 12,611,000 | 25,435,000 | 42,509,000 | 56,201,000 |
| Noninterest expense | 15,860,000 | 31,759,000 | 48,158,000 | 62,851,000 |
| Provision for loan losses | 1,385,000 | 3,235,000 | 4,741,000 | 4,524,000 |
| Pretax income | 34,418,000 | 68,698,000 | 107,443,000 | 144,657,000 |
| Income tax | 7,306,000 | 14,579,000 | 22,768,000 | 30,360,000 |
| Net income | 27,112,000 | 54,119,000 | 84,675,000 | 114,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 390,206,000 | 417,215,000 | 447,768,000 | 477,390,000 |
| Total capital | 411,833,000 | 440,135,000 | 471,538,000 | 500,268,000 |
| Risk-weighted assets | 1,916,254,000 | 1,935,612,000 | 1,954,239,000 | 1,955,474,000 |