Call reports 2014
INTERNATIONAL BANK OF COMMERCE — 2014
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 545,900,000 | 561,015,000 | 560,897,000 | 563,959,000 |
| Total loans | 102,866,000 | 101,610,000 | 110,692,000 | 111,874,000 |
| Allowance for loan losses | 1,401,000 | 936,000 | 1,028,000 | 858,000 |
| Securities available for sale | 394,571,000 | 406,521,000 | 397,226,000 | 400,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,188,000 | 373,725,000 | 372,336,000 | 382,955,000 |
| Interest-bearing deposits | 297,744,000 | 283,322,000 | 266,095,000 | 280,531,000 |
| Noninterest-bearing deposits | 96,444,000 | 90,403,000 | 106,241,000 | 102,424,000 |
| Equity capital | 64,747,000 | 66,509,000 | 64,726,000 | 67,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,875,000 | 7,749,000 | 11,573,000 | 15,386,000 |
| Interest expense | 280,000 | 562,000 | 849,000 | 1,134,000 |
| Net interest income | 3,595,000 | 7,187,000 | 10,724,000 | 14,252,000 |
| Noninterest income | 1,938,000 | 4,000,000 | 6,006,000 | 7,958,000 |
| Noninterest expense | 2,717,000 | 5,686,000 | 8,714,000 | 11,305,000 |
| Provision for loan losses | 350,000 | -24,000 | 177,000 | 287,000 |
| Pretax income | 2,466,000 | 5,525,000 | 7,839,000 | 10,618,000 |
| Income tax | 873,000 | 1,952,000 | 2,741,000 | 3,680,000 |
| Net income | 1,593,000 | 3,573,000 | 5,098,000 | 6,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,097,000 | 58,125,000 | 58,172,000 | 60,035,000 |
| Total capital | 59,540,000 | 59,111,000 | 59,246,000 | 60,946,000 |
| Risk-weighted assets | 170,197,000 | 173,270,000 | 181,482,000 | 180,144,000 |