Call reports 2025
INTERNATIONAL BANK OF COMMERCE — 2025
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 492,333,000 | 500,260,000 | 504,187,000 | 512,448,000 |
| Total loans | 137,592,000 | 136,548,000 | 143,202,000 | 142,722,000 |
| Allowance for loan losses | 2,280,000 | 2,383,000 | 2,443,000 | 2,404,000 |
| Securities available for sale | 294,450,000 | 291,844,000 | 280,496,000 | 292,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,986,000 | 428,299,000 | 432,295,000 | 438,102,000 |
| Interest-bearing deposits | 269,612,000 | 275,640,000 | 281,248,000 | 287,739,000 |
| Noninterest-bearing deposits | 154,374,000 | 152,659,000 | 151,047,000 | 150,363,000 |
| Equity capital | 53,985,000 | 57,792,000 | 57,074,000 | 60,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,291,000 | 10,690,000 | 16,348,000 | 21,986,000 |
| Interest expense | 1,790,000 | 3,453,000 | 5,171,000 | 6,886,000 |
| Net interest income | 3,501,000 | 7,237,000 | 11,177,000 | 15,100,000 |
| Noninterest income | 2,207,000 | 4,482,000 | 6,882,000 | 9,291,000 |
| Noninterest expense | 3,268,000 | 6,641,000 | 10,044,000 | 13,344,000 |
| Provision for loan losses | 66,000 | 364,000 | 535,000 | 635,000 |
| Pretax income | 2,415,000 | 4,765,000 | 7,558,000 | 10,499,000 |
| Income tax | 523,000 | 1,033,000 | 1,640,000 | 2,268,000 |
| Net income | 1,892,000 | 3,732,000 | 5,918,000 | 8,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,825,000 | 70,663,000 | 67,850,000 | 70,163,000 |
| Total capital | 71,113,000 | 73,052,000 | 70,297,000 | 72,573,000 |
| Risk-weighted assets | 209,650,000 | 209,648,000 | 215,414,000 | 215,020,000 |