Call reports 2018
INTERNATIONAL BANK OF COMMERCE — 2018
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,563,335,000 | 1,559,508,000 | 1,528,570,000 | 1,529,227,000 |
| Total loans | 856,094,000 | 864,120,000 | 853,298,000 | 849,734,000 |
| Allowance for loan losses | 8,246,000 | 8,264,000 | 8,255,000 | 8,792,000 |
| Securities available for sale | 385,364,000 | 364,618,000 | 345,827,000 | 338,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,142,831,000 | 1,176,744,000 | 1,112,556,000 | 1,109,896,000 |
| Interest-bearing deposits | 704,113,000 | 707,198,000 | 697,278,000 | 698,418,000 |
| Noninterest-bearing deposits | 438,718,000 | 469,546,000 | 415,278,000 | 411,478,000 |
| Equity capital | 204,161,000 | 208,967,000 | 209,931,000 | 220,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 13,356,000 | 27,318,000 | 41,525,000 | 55,892,000 |
| Interest expense | 1,417,000 | 3,108,000 | 4,898,000 | 6,851,000 |
| Net interest income | 11,939,000 | 24,210,000 | 36,627,000 | 49,041,000 |
| Noninterest income | 5,408,000 | 10,760,000 | 16,387,000 | 21,818,000 |
| Noninterest expense | 10,058,000 | 20,814,000 | 31,905,000 | 41,473,000 |
| Provision for loan losses | 258,000 | 546,000 | 4,945,000 | 5,772,000 |
| Pretax income | 7,031,000 | 13,610,000 | 16,164,000 | 23,614,000 |
| Income tax | 1,632,000 | 3,168,000 | 3,666,000 | 5,079,000 |
| Net income | 5,399,000 | 10,442,000 | 12,498,000 | 18,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,678,000 | 180,901,000 | 182,956,000 | 188,997,000 |
| Total capital | 183,510,000 | 189,764,000 | 191,736,000 | 198,293,000 |
| Risk-weighted assets | 1,305,991,000 | 1,298,111,000 | 1,320,803,000 | 1,354,419,000 |