Call reports 2019
INTERNATIONAL BANK OF COMMERCE — 2019
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,502,702,000 | 1,512,535,000 | 1,412,306,000 | 1,366,973,000 |
| Total loans | 855,294,000 | 797,448,000 | 723,934,000 | 712,038,000 |
| Allowance for loan losses | 15,339,000 | 6,226,000 | 4,837,000 | 5,098,000 |
| Securities available for sale | 329,340,000 | 315,074,000 | 294,568,000 | 269,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,124,436,000 | 1,140,854,000 | 1,080,024,000 | 1,051,203,000 |
| Interest-bearing deposits | 702,255,000 | 700,644,000 | 659,563,000 | 669,664,000 |
| Noninterest-bearing deposits | 422,181,000 | 440,210,000 | 420,461,000 | 381,539,000 |
| Equity capital | 224,317,000 | 231,427,000 | 236,747,000 | 239,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 13,991,000 | 28,393,000 | 41,509,000 | 53,098,000 |
| Interest expense | 2,068,000 | 4,019,000 | 5,556,000 | 6,878,000 |
| Net interest income | 11,923,000 | 24,374,000 | 35,953,000 | 46,220,000 |
| Noninterest income | 4,949,000 | 10,163,000 | 15,935,000 | 20,434,000 |
| Noninterest expense | 10,060,000 | 21,137,000 | 32,609,000 | 44,026,000 |
| Provision for loan losses | 6,787,000 | 7,631,000 | 7,281,000 | 8,134,000 |
| Pretax income | 25,000 | 5,769,000 | 11,998,000 | 14,494,000 |
| Income tax | -569,000 | 844,000 | 2,168,000 | 2,289,000 |
| Net income | 594,000 | 4,925,000 | 9,830,000 | 12,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 189,591,000 | 193,922,000 | 198,826,000 | 201,202,000 |
| Total capital | 205,410,000 | 200,613,000 | 204,151,000 | 206,807,000 |
| Risk-weighted assets | 1,309,449,000 | 1,279,047,000 | 1,180,254,000 | 1,190,043,000 |