Call reports 2010
INTERNATIONAL BANK OF COMMERCE — 2010
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 462,123,000 | 458,577,000 | 532,657,000 | 519,179,000 |
| Total loans | 130,843,000 | 133,915,000 | 132,733,000 | 131,322,000 |
| Allowance for loan losses | 1,690,000 | 1,975,000 | 2,181,000 | 2,316,000 |
| Securities available for sale | 287,340,000 | 279,698,000 | 353,752,000 | 321,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,617,000 | 356,471,000 | 349,308,000 | 385,794,000 |
| Interest-bearing deposits | 315,532,000 | 300,830,000 | 290,453,000 | 325,251,000 |
| Noninterest-bearing deposits | 57,085,000 | 55,641,000 | 58,855,000 | 60,543,000 |
| Equity capital | 61,394,000 | 64,335,000 | 66,161,000 | 60,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 9,737,000 | 14,506,000 | 18,998,000 |
| Interest expense | 876,000 | 1,733,000 | 2,494,000 | 3,194,000 |
| Net interest income | 3,980,000 | 8,004,000 | 12,012,000 | 15,804,000 |
| Noninterest income | 2,070,000 | 4,308,000 | 6,418,000 | 8,616,000 |
| Noninterest expense | 2,925,000 | 5,977,000 | 8,996,000 | 11,804,000 |
| Provision for loan losses | 294,000 | 596,000 | 908,000 | 1,200,000 |
| Pretax income | 2,831,000 | 6,063,000 | 8,850,000 | 12,003,000 |
| Income tax | 988,000 | 2,098,000 | 3,033,000 | 4,095,000 |
| Net income | 1,843,000 | 3,965,000 | 5,817,000 | 7,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,998,000 | 53,156,000 | 55,043,000 | 51,869,000 |
| Total capital | 52,755,000 | 55,213,000 | 57,301,000 | 54,042,000 |
| Risk-weighted assets | 175,893,000 | 178,008,000 | 177,230,000 | 172,229,000 |