Call reports 2025
INTERNATIONAL BANK OF COMMERCE — 2025
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,263,676,000 | 4,328,117,000 | 4,352,488,000 | 4,387,332,000 |
| Total loans | 1,531,329,000 | 1,533,576,000 | 1,541,848,000 | 1,526,875,000 |
| Allowance for loan losses | 24,119,000 | 26,513,000 | 26,612,000 | 29,458,000 |
| Securities available for sale | 1,834,750,000 | 1,825,409,000 | 1,816,740,000 | 1,981,694,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,726,072,000 | 3,763,140,000 | 3,764,370,000 | 3,778,750,000 |
| Interest-bearing deposits | 2,330,837,000 | 2,383,832,000 | 2,432,798,000 | 2,458,410,000 |
| Noninterest-bearing deposits | 1,395,235,000 | 1,379,308,000 | 1,331,572,000 | 1,320,340,000 |
| Equity capital | 466,257,000 | 501,444,000 | 524,218,000 | 551,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 49,084,000 | 100,369,000 | 152,823,000 | 203,346,000 |
| Interest expense | 14,718,000 | 29,510,000 | 44,738,000 | 59,587,000 |
| Net interest income | 34,366,000 | 70,859,000 | 108,085,000 | 143,759,000 |
| Noninterest income | 11,907,000 | 24,428,000 | 37,434,000 | 50,479,000 |
| Noninterest expense | 16,348,000 | 33,689,000 | 51,058,000 | 68,474,000 |
| Provision for loan losses | 1,262,000 | 4,084,000 | 4,645,000 | 8,013,000 |
| Pretax income | 28,706,000 | 57,550,000 | 89,851,000 | 117,722,000 |
| Income tax | 5,904,000 | 11,907,000 | 18,643,000 | 24,176,000 |
| Net income | 22,802,000 | 45,643,000 | 71,208,000 | 93,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 577,682,000 | 600,523,000 | 611,088,000 | 633,425,000 |
| Total capital | 602,137,000 | 627,379,000 | 638,045,000 | 660,969,000 |
| Risk-weighted assets | 2,224,809,000 | 2,227,901,000 | 2,273,160,000 | 2,201,273,000 |