Call reports 2011
INTERNATIONAL BANK OF COMMERCE — 2011
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 491,876,000 | 459,938,000 | 457,371,000 | 504,928,000 |
| Total loans | 132,987,000 | 128,116,000 | 124,307,000 | 123,672,000 |
| Allowance for loan losses | 2,534,000 | 2,722,000 | 2,716,000 | 1,858,000 |
| Securities available for sale | 317,637,000 | 287,862,000 | 284,334,000 | 296,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,147,000 | 364,674,000 | 376,136,000 | 413,082,000 |
| Interest-bearing deposits | 319,125,000 | 295,980,000 | 302,485,000 | 334,662,000 |
| Noninterest-bearing deposits | 69,022,000 | 68,694,000 | 73,651,000 | 78,420,000 |
| Equity capital | 61,764,000 | 63,003,000 | 64,683,000 | 66,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,337,000 | 8,490,000 | 12,442,000 | 16,139,000 |
| Interest expense | 648,000 | 1,228,000 | 1,738,000 | 2,234,000 |
| Net interest income | 3,689,000 | 7,262,000 | 10,704,000 | 13,905,000 |
| Noninterest income | 2,232,000 | 4,474,000 | 6,729,000 | 8,834,000 |
| Noninterest expense | 3,014,000 | 6,011,000 | 9,064,000 | 11,880,000 |
| Provision for loan losses | 370,000 | 785,000 | 1,192,000 | 600,000 |
| Pretax income | 2,710,000 | 5,154,000 | 7,828,000 | 11,954,000 |
| Income tax | 954,000 | 1,813,000 | 2,750,000 | 4,205,000 |
| Net income | 1,756,000 | 3,341,000 | 5,078,000 | 7,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,654,000 | 51,870,000 | 53,636,000 | 56,336,000 |
| Total capital | 55,669,000 | 53,811,000 | 55,605,000 | 58,295,000 |
| Risk-weighted assets | 159,526,000 | 152,084,000 | 152,154,000 | 159,373,000 |