Call reports 2003
INTERNATIONAL BANK OF COMMERCE — 2003
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 287,325,000 | 307,085,000 | 300,371,000 | 264,195,000 |
| Total loans | 75,471,000 | 79,394,000 | 76,467,000 | 84,632,000 |
| Allowance for loan losses | 759,000 | 744,000 | 819,000 | 864,000 |
| Securities available for sale | 189,067,000 | 206,511,000 | 203,565,000 | 155,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,054,000 | 168,951,000 | 161,068,000 | 174,055,000 |
| Interest-bearing deposits | 161,462,000 | 150,119,000 | 142,778,000 | 154,300,000 |
| Noninterest-bearing deposits | 21,592,000 | 18,832,000 | 18,290,000 | 19,755,000 |
| Equity capital | 30,585,000 | 31,469,000 | 31,493,000 | 33,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,895,000 | 7,573,000 | 11,221,000 | 14,669,000 |
| Interest expense | 943,000 | 1,807,000 | 2,645,000 | 3,373,000 |
| Net interest income | 2,952,000 | 5,766,000 | 8,576,000 | 11,296,000 |
| Noninterest income | 627,000 | 1,269,000 | 1,985,000 | 2,702,000 |
| Noninterest expense | 1,093,000 | 2,232,000 | 3,287,000 | 4,366,000 |
| Provision for loan losses | 50,000 | 108,000 | 168,000 | 228,000 |
| Pretax income | 2,489,000 | 4,886,000 | 7,763,000 | 10,773,000 |
| Income tax | 807,000 | 1,582,000 | 2,524,000 | 3,473,000 |
| Net income | 1,682,000 | 3,304,000 | 5,239,000 | 7,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,885,000 | 28,507,000 | 30,442,000 | 32,503,000 |
| Total capital | 27,709,000 | 29,301,000 | 31,278,000 | 33,387,000 |
| Risk-weighted assets | 103,984,000 | 112,250,000 | 117,755,000 | 118,983,000 |