Call reports 2012
INTERNATIONAL BANK OF COMMERCE — 2012
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 506,102,000 | 496,221,000 | 489,457,000 | 511,381,000 |
| Total loans | 120,459,000 | 117,676,000 | 115,601,000 | 114,640,000 |
| Allowance for loan losses | 2,071,000 | 1,548,000 | 1,464,000 | 1,475,000 |
| Securities available for sale | 323,937,000 | 316,779,000 | 325,656,000 | 348,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,145,000 | 412,950,000 | 397,857,000 | 413,628,000 |
| Interest-bearing deposits | 340,876,000 | 328,393,000 | 309,430,000 | 324,018,000 |
| Noninterest-bearing deposits | 87,269,000 | 84,557,000 | 88,427,000 | 89,610,000 |
| Equity capital | 67,432,000 | 69,192,000 | 71,550,000 | 62,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,042,000 | 10,435,000 | 13,858,000 |
| Interest expense | 467,000 | 920,000 | 1,354,000 | 1,775,000 |
| Net interest income | 3,181,000 | 6,122,000 | 9,081,000 | 12,083,000 |
| Noninterest income | 1,991,000 | 3,950,000 | 5,830,000 | 7,846,000 |
| Noninterest expense | 2,790,000 | 5,691,000 | 8,490,000 | 10,925,000 |
| Provision for loan losses | 360,000 | 129,000 | 200,000 | 295,000 |
| Pretax income | 2,022,000 | 4,343,000 | 6,312,000 | 8,800,000 |
| Income tax | 639,000 | 1,459,000 | 2,146,000 | 3,027,000 |
| Net income | 1,383,000 | 2,884,000 | 4,166,000 | 5,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,746,000 | 59,274,000 | 60,582,000 | 52,967,000 |
| Total capital | 59,792,000 | 60,938,000 | 62,166,000 | 54,542,000 |
| Risk-weighted assets | 159,717,000 | 159,844,000 | 158,772,000 | 164,575,000 |