Call reports 2007
INTERNATIONAL BANK OF COMMERCE — 2007
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 450,272,000 | 390,857,000 | 369,474,000 | 415,587,000 |
| Total loans | 126,672,000 | 121,196,000 | 118,248,000 | 116,262,000 |
| Allowance for loan losses | 1,920,000 | 1,966,000 | 1,987,000 | 1,217,000 |
| Securities available for sale | 227,612,000 | 213,948,000 | 196,653,000 | 248,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,189,000 | 305,571,000 | 313,762,000 | 325,194,000 |
| Interest-bearing deposits | 268,830,000 | 255,399,000 | 260,639,000 | 276,350,000 |
| Noninterest-bearing deposits | 58,359,000 | 50,172,000 | 53,123,000 | 48,844,000 |
| Equity capital | 35,402,000 | 36,281,000 | 37,403,000 | 39,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,268,000 | 10,910,000 | 16,245,000 | 21,653,000 |
| Interest expense | 2,870,000 | 5,831,000 | 8,626,000 | 11,241,000 |
| Net interest income | 2,398,000 | 5,079,000 | 7,619,000 | 10,412,000 |
| Noninterest income | 1,348,000 | 2,904,000 | 4,698,000 | 6,585,000 |
| Noninterest expense | 2,142,000 | 4,692,000 | 7,251,000 | 9,681,000 |
| Provision for loan losses | 80,000 | 164,000 | 262,000 | -399,000 |
| Pretax income | 1,076,000 | 2,756,000 | 4,387,000 | 7,298,000 |
| Income tax | 324,000 | 865,000 | 1,366,000 | 2,369,000 |
| Net income | 752,000 | 1,891,000 | 3,021,000 | 4,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,641,000 | 31,678,000 | 31,873,000 | 33,845,000 |
| Total capital | 32,619,000 | 33,553,000 | 33,684,000 | 35,102,000 |
| Risk-weighted assets | 163,824,000 | 149,850,000 | 144,659,000 | 158,651,000 |