Call reports 2021
INTERNATIONAL BANK OF COMMERCE — 2021
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 476,732,000 | 468,747,000 | 471,707,000 | 474,338,000 |
| Total loans | 142,285,000 | 137,347,000 | 133,473,000 | 127,849,000 |
| Allowance for loan losses | 1,913,000 | 1,879,000 | 1,851,000 | 2,047,000 |
| Securities available for sale | 284,510,000 | 284,076,000 | 293,206,000 | 293,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,535,000 | 376,455,000 | 378,760,000 | 383,856,000 |
| Interest-bearing deposits | 220,425,000 | 229,108,000 | 236,651,000 | 237,914,000 |
| Noninterest-bearing deposits | 157,110,000 | 147,347,000 | 142,109,000 | 145,942,000 |
| Equity capital | 77,837,000 | 79,125,000 | 79,542,000 | 78,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 5,102,000 | 7,682,000 | 10,179,000 |
| Interest expense | 157,000 | 305,000 | 451,000 | 593,000 |
| Net interest income | 2,335,000 | 4,797,000 | 7,231,000 | 9,586,000 |
| Noninterest income | 1,763,000 | 3,643,000 | 5,763,000 | 7,771,000 |
| Noninterest expense | 2,953,000 | 6,019,000 | 9,072,000 | 11,785,000 |
| Provision for loan losses | -2,000 | 39,000 | 202,000 | 470,000 |
| Pretax income | 1,094,000 | 2,337,000 | 3,661,000 | 5,015,000 |
| Income tax | 250,000 | 534,000 | 833,000 | 1,083,000 |
| Net income | 844,000 | 1,803,000 | 2,828,000 | 3,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,214,000 | 73,172,000 | 74,198,000 | 75,303,000 |
| Total capital | 74,133,000 | 75,056,000 | 76,054,000 | 77,354,000 |
| Risk-weighted assets | 187,299,000 | 177,294,000 | 184,657,000 | 178,219,000 |