Call reports 2008
INTERNATIONAL BANK OF COMMERCE — 2008
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 393,195,000 | 392,665,000 | 423,045,000 | 462,683,000 |
| Total loans | 118,236,000 | 123,160,000 | 124,699,000 | 124,700,000 |
| Allowance for loan losses | 1,064,000 | 1,157,000 | 1,294,000 | 1,432,000 |
| Securities available for sale | 229,486,000 | 218,166,000 | 241,710,000 | 294,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,701,000 | 338,221,000 | 337,494,000 | 399,096,000 |
| Interest-bearing deposits | 253,074,000 | 282,925,000 | 279,763,000 | 343,773,000 |
| Noninterest-bearing deposits | 56,627,000 | 55,296,000 | 57,731,000 | 55,323,000 |
| Equity capital | 42,342,000 | 43,035,000 | 44,677,000 | 48,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,422,000 | 10,517,000 | 15,658,000 | 21,081,000 |
| Interest expense | 2,402,000 | 4,358,000 | 5,958,000 | 7,556,000 |
| Net interest income | 3,020,000 | 6,159,000 | 9,700,000 | 13,525,000 |
| Noninterest income | 1,981,000 | 3,978,000 | 6,365,000 | 8,400,000 |
| Noninterest expense | 2,628,000 | 5,416,000 | 8,470,000 | 11,290,000 |
| Provision for loan losses | 55,000 | 169,000 | 320,000 | 526,000 |
| Pretax income | 2,318,000 | 4,560,000 | 7,283,000 | 10,117,000 |
| Income tax | 782,000 | 1,554,000 | 2,462,000 | 3,441,000 |
| Net income | 1,536,000 | 3,006,000 | 4,821,000 | 6,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,430,000 | 36,952,000 | 38,730,000 | 40,634,000 |
| Total capital | 36,555,000 | 38,169,000 | 40,075,000 | 42,120,000 |
| Risk-weighted assets | 147,726,000 | 153,449,000 | 159,888,000 | 165,088,000 |
Machine access — free, no API key
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