Call reports 2019
INTERNATIONAL BANK OF COMMERCE — 2019
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 418,869,000 | 409,759,000 | 397,497,000 | 384,273,000 |
| Total loans | 169,480,000 | 169,999,000 | 158,596,000 | 151,071,000 |
| Allowance for loan losses | 3,006,000 | 2,735,000 | 2,253,000 | 2,300,000 |
| Securities available for sale | 194,142,000 | 184,616,000 | 172,154,000 | 178,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,331,000 | 295,914,000 | 295,849,000 | 294,496,000 |
| Interest-bearing deposits | 197,434,000 | 188,999,000 | 193,230,000 | 198,767,000 |
| Noninterest-bearing deposits | 110,897,000 | 106,915,000 | 102,619,000 | 95,729,000 |
| Equity capital | 74,663,000 | 74,671,000 | 76,404,000 | 77,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,815,000 | 7,592,000 | 11,187,000 | 14,460,000 |
| Interest expense | 583,000 | 1,125,000 | 1,609,000 | 2,010,000 |
| Net interest income | 3,232,000 | 6,467,000 | 9,578,000 | 12,450,000 |
| Noninterest income | 1,775,000 | 3,635,000 | 5,718,000 | 7,844,000 |
| Noninterest expense | 3,466,000 | 7,051,000 | 10,570,000 | 13,969,000 |
| Provision for loan losses | 362,000 | 230,000 | 339,000 | 756,000 |
| Pretax income | 1,216,000 | 2,900,000 | 4,488,000 | 5,656,000 |
| Income tax | 282,000 | 660,000 | 1,020,000 | 1,240,000 |
| Net income | 934,000 | 2,240,000 | 3,468,000 | 4,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,919,000 | 70,224,000 | 71,452,000 | 72,402,000 |
| Total capital | 74,653,000 | 72,928,000 | 73,741,000 | 74,737,000 |
| Risk-weighted assets | 218,464,000 | 216,283,000 | 206,692,000 | 198,597,000 |