Call reports 2013
INTERNATIONAL BANK OF COMMERCE — 2013
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 509,149,000 | 483,701,000 | 542,151,000 | 554,476,000 |
| Total loans | 112,506,000 | 109,294,000 | 109,063,000 | 110,527,000 |
| Allowance for loan losses | 1,696,000 | 1,310,000 | 1,526,000 | 1,174,000 |
| Securities available for sale | 344,790,000 | 324,152,000 | 382,999,000 | 393,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,186,000 | 399,130,000 | 386,331,000 | 386,328,000 |
| Interest-bearing deposits | 317,915,000 | 307,065,000 | 291,253,000 | 297,747,000 |
| Noninterest-bearing deposits | 101,271,000 | 92,065,000 | 95,078,000 | 88,581,000 |
| Equity capital | 64,460,000 | 62,675,000 | 64,409,000 | 61,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,250,000 | 6,500,000 | 9,851,000 | 13,557,000 |
| Interest expense | 363,000 | 699,000 | 1,010,000 | 1,313,000 |
| Net interest income | 2,887,000 | 5,801,000 | 8,841,000 | 12,244,000 |
| Noninterest income | 2,090,000 | 4,127,000 | 6,327,000 | 8,378,000 |
| Noninterest expense | 2,902,000 | 5,865,000 | 8,746,000 | 11,294,000 |
| Provision for loan losses | 371,000 | 174,000 | 601,000 | 320,000 |
| Pretax income | 1,704,000 | 3,889,000 | 5,821,000 | 9,008,000 |
| Income tax | 500,000 | 1,275,000 | 1,958,000 | 3,063,000 |
| Net income | 1,204,000 | 2,614,000 | 3,863,000 | 5,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,198,000 | 55,632,000 | 56,900,000 | 56,459,000 |
| Total capital | 55,984,000 | 56,988,000 | 58,468,000 | 57,675,000 |
| Risk-weighted assets | 162,930,000 | 160,732,000 | 172,622,000 | 176,631,000 |