Call reports 2023
INTERNATIONAL BANK OF COMMERCE — 2023
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 485,498,000 | 468,140,000 | 470,748,000 | 464,333,000 |
| Total loans | 119,795,000 | 136,273,000 | 135,174,000 | 137,433,000 |
| Allowance for loan losses | 2,289,000 | 2,550,000 | 2,597,000 | 2,586,000 |
| Securities available for sale | 261,179,000 | 247,575,000 | 253,862,000 | 259,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,623,000 | 404,563,000 | 407,879,000 | 406,546,000 |
| Interest-bearing deposits | 246,989,000 | 246,602,000 | 250,455,000 | 260,378,000 |
| Noninterest-bearing deposits | 173,634,000 | 157,961,000 | 157,424,000 | 146,168,000 |
| Equity capital | 52,754,000 | 51,069,000 | 50,130,000 | 45,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,157,000 | 8,847,000 | 13,682,000 | 18,572,000 |
| Interest expense | 618,000 | 1,612,000 | 2,840,000 | 4,369,000 |
| Net interest income | 3,539,000 | 7,235,000 | 10,842,000 | 14,203,000 |
| Noninterest income | 2,138,000 | 4,330,000 | 6,625,000 | 8,917,000 |
| Noninterest expense | 2,961,000 | 5,986,000 | 9,214,000 | 12,269,000 |
| Provision for loan losses | 368,000 | 730,000 | 895,000 | 1,089,000 |
| Pretax income | 2,390,000 | 4,849,000 | 7,277,000 | 9,799,000 |
| Income tax | 526,000 | 1,067,000 | 1,599,000 | 2,107,000 |
| Net income | 1,864,000 | 3,782,000 | 5,678,000 | 7,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,281,000 | 75,199,000 | 77,095,000 | 64,110,000 |
| Total capital | 75,577,000 | 77,755,000 | 79,699,000 | 66,680,000 |
| Risk-weighted assets | 199,874,000 | 211,148,000 | 209,777,000 | 205,625,000 |