Call reports 2015
INTERNATIONAL BANK OF COMMERCE — 2015
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 562,696,000 | 533,442,000 | 533,523,000 | 506,861,000 |
| Total loans | 110,925,000 | 105,277,000 | 111,574,000 | 114,813,000 |
| Allowance for loan losses | 1,037,000 | 1,003,000 | 1,072,000 | 1,276,000 |
| Securities available for sale | 402,621,000 | 377,578,000 | 357,134,000 | 333,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,472,000 | 366,641,000 | 366,896,000 | 361,059,000 |
| Interest-bearing deposits | 286,885,000 | 265,800,000 | 262,639,000 | 264,050,000 |
| Noninterest-bearing deposits | 108,587,000 | 100,841,000 | 104,257,000 | 97,009,000 |
| Equity capital | 70,293,000 | 69,600,000 | 69,916,000 | 71,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,832,000 | 7,519,000 | 11,029,000 | 14,520,000 |
| Interest expense | 262,000 | 514,000 | 761,000 | 1,004,000 |
| Net interest income | 3,570,000 | 7,005,000 | 10,268,000 | 13,516,000 |
| Noninterest income | 1,819,000 | 3,789,000 | 5,739,000 | 10,396,000 |
| Noninterest expense | 2,879,000 | 5,871,000 | 9,033,000 | 11,979,000 |
| Provision for loan losses | 229,000 | 234,000 | 648,000 | 1,023,000 |
| Pretax income | 2,281,000 | 4,689,000 | 6,326,000 | 10,910,000 |
| Income tax | 766,000 | 1,647,000 | 2,278,000 | 2,919,000 |
| Net income | 1,515,000 | 3,042,000 | 4,048,000 | 7,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,657,000 | 63,192,000 | 62,204,000 | 66,153,000 |
| Total capital | 62,761,000 | 64,243,000 | 63,333,000 | 67,470,000 |
| Risk-weighted assets | 184,157,000 | 177,050,000 | 184,167,000 | 185,254,000 |