Call reports 2002
INTERNATIONAL BANK OF COMMERCE — 2002
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 238,226,000 | 301,093,000 | 315,358,000 | 305,588,000 |
| Total loans | 57,290,000 | 62,718,000 | 66,338,000 | 72,985,000 |
| Allowance for loan losses | 617,000 | 666,000 | 706,000 | 761,000 |
| Securities available for sale | 164,163,000 | 217,356,000 | 221,320,000 | 210,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,675,000 | 170,017,000 | 166,062,000 | 188,940,000 |
| Interest-bearing deposits | 161,944,000 | 152,937,000 | 148,457,000 | 171,034,000 |
| Noninterest-bearing deposits | 16,731,000 | 17,080,000 | 17,605,000 | 17,906,000 |
| Equity capital | 20,329,000 | 23,337,000 | 26,441,000 | 28,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 7,043,000 | 11,378,000 | 15,548,000 |
| Interest expense | 1,061,000 | 2,231,000 | 3,532,000 | 4,698,000 |
| Net interest income | 2,113,000 | 4,812,000 | 7,846,000 | 10,850,000 |
| Noninterest income | 516,000 | 1,026,000 | 3,168,000 | 3,779,000 |
| Noninterest expense | 905,000 | 1,992,000 | 2,967,000 | 4,100,000 |
| Provision for loan losses | 31,000 | 78,000 | 140,000 | 199,000 |
| Pretax income | 1,701,000 | 3,765,000 | 7,907,000 | 10,330,000 |
| Income tax | 545,000 | 1,219,000 | 2,073,000 | 2,864,000 |
| Net income | 1,156,000 | 2,546,000 | 5,834,000 | 7,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,893,000 | 20,283,000 | 23,571,000 | 25,203,000 |
| Total capital | 19,510,000 | 20,949,000 | 24,277,000 | 25,988,000 |
| Risk-weighted assets | 79,565,000 | 95,195,000 | 100,961,000 | 117,335,000 |