Call reports 2020
INTERNATIONAL BANK OF COMMERCE — 2020
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 397,290,000 | 433,570,000 | 441,216,000 | 442,135,000 |
| Total loans | 145,364,000 | 145,669,000 | 149,636,000 | 145,095,000 |
| Allowance for loan losses | 1,687,000 | 1,757,000 | 1,988,000 | 2,135,000 |
| Securities available for sale | 199,262,000 | 196,848,000 | 235,155,000 | 194,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,057,000 | 341,983,000 | 349,564,000 | 351,804,000 |
| Interest-bearing deposits | 192,383,000 | 207,502,000 | 216,637,000 | 222,657,000 |
| Noninterest-bearing deposits | 110,674,000 | 134,481,000 | 132,927,000 | 129,147,000 |
| Equity capital | 77,445,000 | 77,694,000 | 77,850,000 | 77,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,634,000 | 6,947,000 | 9,832,000 | 12,394,000 |
| Interest expense | 378,000 | 658,000 | 893,000 | 1,083,000 |
| Net interest income | 3,256,000 | 6,289,000 | 8,939,000 | 11,311,000 |
| Noninterest income | 1,898,000 | 3,481,000 | 5,344,000 | 7,214,000 |
| Noninterest expense | 3,287,000 | 6,402,000 | 9,634,000 | 13,027,000 |
| Provision for loan losses | 502,000 | 661,000 | 1,005,000 | 1,400,000 |
| Pretax income | 1,413,000 | 2,780,000 | 3,717,000 | 4,163,000 |
| Income tax | 321,000 | 627,000 | 844,000 | 904,000 |
| Net income | 1,092,000 | 2,153,000 | 2,873,000 | 3,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,202,000 | 70,264,000 | 70,985,000 | 71,369,000 |
| Total capital | 70,895,000 | 72,023,000 | 72,974,000 | 73,510,000 |
| Risk-weighted assets | 194,921,000 | 193,130,000 | 198,693,000 | 206,798,000 |