Call reports 2006
INTERNATIONAL BANK OF COMMERCE — 2006
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 361,835,000 | 352,020,000 | 368,847,000 | 376,306,000 |
| Total loans | 95,431,000 | 96,820,000 | 100,946,000 | 110,202,000 |
| Allowance for loan losses | 1,325,000 | 1,462,000 | 1,470,000 | 1,444,000 |
| Securities available for sale | 234,463,000 | 223,980,000 | 234,483,000 | 230,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,968,000 | 222,137,000 | 218,230,000 | 261,333,000 |
| Interest-bearing deposits | 190,048,000 | 189,033,000 | 183,871,000 | 223,302,000 |
| Noninterest-bearing deposits | 42,920,000 | 33,104,000 | 34,359,000 | 38,031,000 |
| Equity capital | 31,518,000 | 31,352,000 | 32,856,000 | 34,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,656,000 | 9,386,000 | 14,257,000 | 19,413,000 |
| Interest expense | 2,293,000 | 4,750,000 | 7,601,000 | 10,424,000 |
| Net interest income | 2,363,000 | 4,636,000 | 6,656,000 | 8,989,000 |
| Noninterest income | 1,120,000 | 2,289,000 | 3,528,000 | 4,810,000 |
| Noninterest expense | 1,787,000 | 3,876,000 | 6,139,000 | 8,467,000 |
| Provision for loan losses | 134,000 | 269,000 | 332,000 | 366,000 |
| Pretax income | 1,562,000 | 2,780,000 | 3,713,000 | 4,966,000 |
| Income tax | 493,000 | 866,000 | 1,120,000 | 1,505,000 |
| Net income | 1,069,000 | 1,914,000 | 2,593,000 | 3,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,425,000 | 34,199,000 | 34,905,000 | 35,847,000 |
| Total capital | 34,774,000 | 35,686,000 | 36,400,000 | 37,345,000 |
| Risk-weighted assets | 126,040,000 | 126,153,000 | 128,989,000 | 137,106,000 |