Call reports 2005
INTERNATIONAL BANK OF COMMERCE — 2005
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 334,953,000 | 337,116,000 | 338,621,000 | 353,068,000 |
| Total loans | 107,263,000 | 109,179,000 | 92,907,000 | 95,639,000 |
| Allowance for loan losses | 1,057,000 | 1,093,000 | 1,155,000 | 1,192,000 |
| Securities available for sale | 202,854,000 | 187,838,000 | 218,140,000 | 227,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,908,000 | 202,424,000 | 197,721,000 | 230,171,000 |
| Interest-bearing deposits | 172,582,000 | 165,779,000 | 165,077,000 | 196,003,000 |
| Noninterest-bearing deposits | 35,326,000 | 36,645,000 | 32,644,000 | 34,168,000 |
| Equity capital | 29,521,000 | 30,139,000 | 30,899,000 | 30,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,801,000 | 7,832,000 | 11,829,000 | 16,158,000 |
| Interest expense | 1,146,000 | 2,693,000 | 4,402,000 | 6,538,000 |
| Net interest income | 2,655,000 | 5,139,000 | 7,427,000 | 9,620,000 |
| Noninterest income | 976,000 | 1,892,000 | 3,329,000 | 4,372,000 |
| Noninterest expense | 1,395,000 | 2,952,000 | 4,715,000 | 6,444,000 |
| Provision for loan losses | 135,000 | 275,000 | 412,000 | 523,000 |
| Pretax income | 2,120,000 | 3,886,000 | 5,711,000 | 7,107,000 |
| Income tax | 685,000 | 1,250,000 | 1,823,000 | 2,265,000 |
| Net income | 1,435,000 | 2,636,000 | 3,888,000 | 4,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,978,000 | 30,179,000 | 31,431,000 | 32,367,000 |
| Total capital | 31,036,000 | 31,293,000 | 32,594,000 | 33,584,000 |
| Risk-weighted assets | 139,667,000 | 142,471,000 | 123,121,000 | 126,828,000 |