Call reports 2020
INTERNATIONAL BANK OF COMMERCE — 2020
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,503,230,000 | 1,672,144,000 | 1,636,256,000 | 1,659,733,000 |
| Total loans | 747,807,000 | 804,083,000 | 815,591,000 | 768,289,000 |
| Allowance for loan losses | 8,199,000 | 9,299,000 | 10,515,000 | 10,899,000 |
| Securities available for sale | 402,305,000 | 358,086,000 | 394,658,000 | 369,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,120,751,000 | 1,265,610,000 | 1,252,727,000 | 1,299,799,000 |
| Interest-bearing deposits | 686,567,000 | 746,218,000 | 754,322,000 | 790,444,000 |
| Noninterest-bearing deposits | 434,184,000 | 519,392,000 | 498,405,000 | 509,355,000 |
| Equity capital | 244,278,000 | 245,096,000 | 246,564,000 | 248,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,807,000 | 23,563,000 | 33,679,000 | 43,083,000 |
| Interest expense | 1,229,000 | 1,795,000 | 2,275,000 | 2,707,000 |
| Net interest income | 10,578,000 | 21,768,000 | 31,404,000 | 40,376,000 |
| Noninterest income | 4,908,000 | 10,015,000 | 14,978,000 | 19,611,000 |
| Noninterest expense | 11,109,000 | 22,403,000 | 32,311,000 | 41,043,000 |
| Provision for loan losses | 1,942,000 | 3,618,000 | 5,024,000 | 5,651,000 |
| Pretax income | 2,435,000 | 5,762,000 | 9,047,000 | 13,293,000 |
| Income tax | 455,000 | 1,128,000 | 1,791,000 | 2,942,000 |
| Net income | 1,980,000 | 4,634,000 | 7,256,000 | 10,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,967,000 | 201,622,000 | 204,244,000 | 207,339,000 |
| Total capital | 207,760,000 | 211,436,000 | 215,213,000 | 218,657,000 |
| Risk-weighted assets | 1,217,617,000 | 1,227,460,000 | 1,216,345,000 | 1,187,860,000 |