Call reports 2004
INTERNATIONAL BANK OF COMMERCE — 2004
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 247,806,000 | 256,444,000 | 266,309,000 | 314,130,000 |
| Total loans | 88,060,000 | 91,288,000 | 100,996,000 | 103,157,000 |
| Allowance for loan losses | 849,000 | 891,000 | 938,000 | 916,000 |
| Securities available for sale | 143,134,000 | 131,810,000 | 147,192,000 | 188,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,950,000 | 177,409,000 | 173,308,000 | 211,684,000 |
| Interest-bearing deposits | 146,811,000 | 153,831,000 | 151,044,000 | 186,621,000 |
| Noninterest-bearing deposits | 23,139,000 | 23,578,000 | 22,264,000 | 25,063,000 |
| Equity capital | 35,302,000 | 25,038,000 | 27,672,000 | 29,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 5,999,000 | 9,159,000 | 12,643,000 |
| Interest expense | 594,000 | 1,172,000 | 1,837,000 | 2,714,000 |
| Net interest income | 2,471,000 | 4,827,000 | 7,322,000 | 9,929,000 |
| Noninterest income | 716,000 | 1,456,000 | 2,247,000 | 3,080,000 |
| Noninterest expense | 1,037,000 | 2,250,000 | 3,550,000 | 4,761,000 |
| Provision for loan losses | 59,000 | 119,000 | 211,000 | 317,000 |
| Pretax income | 2,389,000 | 4,426,000 | 6,303,000 | 8,426,000 |
| Income tax | 774,000 | 1,425,000 | 2,020,000 | 2,636,000 |
| Net income | 1,615,000 | 3,001,000 | 4,283,000 | 5,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,118,000 | 25,754,000 | 27,036,000 | 28,543,000 |
| Total capital | 34,981,000 | 26,645,000 | 27,989,000 | 29,474,000 |
| Risk-weighted assets | 120,000,000 | 121,965,000 | 128,169,000 | 134,948,000 |