Call reports 2018
INTERNATIONAL BANK OF COMMERCE — 2018
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 451,733,000 | 448,614,000 | 438,423,000 | 429,193,000 |
| Total loans | 161,302,000 | 170,782,000 | 172,597,000 | 171,020,000 |
| Allowance for loan losses | 2,522,000 | 2,340,000 | 2,446,000 | 2,706,000 |
| Securities available for sale | 236,431,000 | 223,485,000 | 209,799,000 | 202,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,446,000 | 314,831,000 | 306,338,000 | 306,395,000 |
| Interest-bearing deposits | 215,569,000 | 215,249,000 | 209,469,000 | 213,415,000 |
| Noninterest-bearing deposits | 103,877,000 | 99,582,000 | 96,869,000 | 92,980,000 |
| Equity capital | 67,695,000 | 68,552,000 | 68,524,000 | 72,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,694,000 | 7,507,000 | 11,323,000 | 15,207,000 |
| Interest expense | 537,000 | 1,109,000 | 1,729,000 | 2,378,000 |
| Net interest income | 3,157,000 | 6,398,000 | 9,594,000 | 12,829,000 |
| Noninterest income | 1,776,000 | 3,598,000 | 5,581,000 | 7,439,000 |
| Noninterest expense | 3,263,000 | 6,581,000 | 10,052,000 | 13,248,000 |
| Provision for loan losses | 370,000 | 722,000 | 1,301,000 | 1,690,000 |
| Pretax income | 1,212,000 | 2,543,000 | 3,729,000 | 5,265,000 |
| Income tax | 276,000 | 579,000 | 852,000 | 1,101,000 |
| Net income | 936,000 | 1,964,000 | 2,877,000 | 4,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,382,000 | 68,865,000 | 69,696,000 | 70,984,000 |
| Total capital | 69,937,000 | 71,238,000 | 72,173,000 | 73,726,000 |
| Risk-weighted assets | 217,090,000 | 221,765,000 | 222,276,000 | 230,700,000 |