Call reports 2017
INTERNATIONAL BANK OF COMMERCE — 2017
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 480,328,000 | 473,262,000 | 483,265,000 | 465,749,000 |
| Total loans | 141,583,000 | 148,024,000 | 155,197,000 | 159,985,000 |
| Allowance for loan losses | 1,670,000 | 1,861,000 | 2,031,000 | 2,280,000 |
| Securities available for sale | 286,084,000 | 272,692,000 | 273,184,000 | 255,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,920,000 | 328,114,000 | 327,778,000 | 308,528,000 |
| Interest-bearing deposits | 246,432,000 | 231,753,000 | 233,336,000 | 217,622,000 |
| Noninterest-bearing deposits | 98,488,000 | 96,361,000 | 94,442,000 | 90,906,000 |
| Equity capital | 70,714,000 | 71,698,000 | 69,688,000 | 69,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 7,012,000 | 10,707,000 | 14,491,000 |
| Interest expense | 308,000 | 682,000 | 1,101,000 | 1,599,000 |
| Net interest income | 3,125,000 | 6,330,000 | 9,606,000 | 12,892,000 |
| Noninterest income | 1,738,000 | 3,520,000 | 5,476,000 | 7,257,000 |
| Noninterest expense | 3,199,000 | 6,466,000 | 9,768,000 | 12,998,000 |
| Provision for loan losses | 640,000 | 992,000 | 1,588,000 | 1,982,000 |
| Pretax income | 1,009,000 | 2,379,000 | 3,713,000 | 5,156,000 |
| Income tax | 366,000 | 857,000 | 1,338,000 | 1,748,000 |
| Net income | 643,000 | 1,522,000 | 2,375,000 | 3,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,642,000 | 67,546,000 | 65,393,000 | 66,406,000 |
| Total capital | 68,344,000 | 69,438,000 | 67,457,000 | 68,718,000 |
| Risk-weighted assets | 200,825,000 | 206,647,000 | 216,352,000 | 217,171,000 |