Call reports 2016
INTERNATIONAL BANK OF COMMERCE — 2016
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 525,950,000 | 506,007,000 | 495,461,000 | 474,709,000 |
| Total loans | 119,572,000 | 121,480,000 | 129,790,000 | 134,236,000 |
| Allowance for loan losses | 886,000 | 1,012,000 | 1,200,000 | 1,442,000 |
| Securities available for sale | 357,074,000 | 335,612,000 | 311,370,000 | 287,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,407,000 | 342,155,000 | 346,912,000 | 342,506,000 |
| Interest-bearing deposits | 265,435,000 | 249,388,000 | 247,048,000 | 252,859,000 |
| Noninterest-bearing deposits | 100,972,000 | 92,767,000 | 99,864,000 | 89,647,000 |
| Equity capital | 75,505,000 | 77,195,000 | 73,363,000 | 70,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,528,000 | 7,204,000 | 10,717,000 | 14,087,000 |
| Interest expense | 277,000 | 599,000 | 902,000 | 1,199,000 |
| Net interest income | 3,251,000 | 6,605,000 | 9,815,000 | 12,888,000 |
| Noninterest income | 1,676,000 | 3,431,000 | 5,412,000 | 7,214,000 |
| Noninterest expense | 2,987,000 | 6,283,000 | 9,606,000 | 12,698,000 |
| Provision for loan losses | -246,000 | -1,000 | 390,000 | 1,245,000 |
| Pretax income | 2,186,000 | 3,565,000 | 5,008,000 | 5,936,000 |
| Income tax | 775,000 | 1,268,000 | 1,748,000 | 2,085,000 |
| Net income | 1,411,000 | 2,297,000 | 3,260,000 | 3,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,558,000 | 68,457,000 | 65,427,000 | 65,989,000 |
| Total capital | 68,501,000 | 69,538,000 | 66,687,000 | 67,464,000 |
| Risk-weighted assets | 186,326,000 | 193,770,000 | 193,317,000 | 193,595,000 |