Call reports 2022
INTERNATIONAL BANK OF COMMERCE — 2022
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 480,004,000 | 473,977,000 | 451,284,000 | 449,571,000 |
| Total loans | 121,300,000 | 120,989,000 | 119,676,000 | 120,470,000 |
| Allowance for loan losses | 1,943,000 | 1,773,000 | 2,033,000 | 1,994,000 |
| Securities available for sale | 292,553,000 | 303,455,000 | 267,897,000 | 266,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,136,000 | 405,640,000 | 391,361,000 | 389,680,000 |
| Interest-bearing deposits | 247,442,000 | 250,218,000 | 234,705,000 | 236,623,000 |
| Noninterest-bearing deposits | 161,694,000 | 155,422,000 | 156,656,000 | 153,057,000 |
| Equity capital | 59,043,000 | 56,334,000 | 47,239,000 | 48,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,533,000 | 5,614,000 | 8,847,000 | 12,507,000 |
| Interest expense | 136,000 | 275,000 | 468,000 | 838,000 |
| Net interest income | 2,397,000 | 5,339,000 | 8,379,000 | 11,669,000 |
| Noninterest income | 1,970,000 | 3,994,000 | 6,377,000 | 8,470,000 |
| Noninterest expense | 2,979,000 | 6,020,000 | 9,078,000 | 11,690,000 |
| Provision for loan losses | -21,000 | -123,000 | 269,000 | 322,000 |
| Pretax income | 1,271,000 | 3,203,000 | 5,061,000 | 7,784,000 |
| Income tax | 286,000 | 714,000 | 1,127,000 | 1,669,000 |
| Net income | 985,000 | 2,489,000 | 3,934,000 | 6,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,288,000 | 67,791,000 | 69,234,000 | 71,418,000 |
| Total capital | 68,236,000 | 69,569,000 | 71,270,000 | 73,420,000 |
| Risk-weighted assets | 181,603,000 | 188,523,000 | 189,566,000 | 189,445,000 |