Call reports 2022
INTERNATIONAL BANK OF COMMERCE — 2022
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,824,402,000 | 1,816,211,000 | 1,713,897,000 | 1,644,662,000 |
| Total loans | 670,163,000 | 629,995,000 | 576,281,000 | 575,967,000 |
| Allowance for loan losses | 10,842,000 | 11,427,000 | 11,019,000 | 10,432,000 |
| Securities available for sale | 761,244,000 | 802,323,000 | 761,392,000 | 715,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,435,014,000 | 1,421,892,000 | 1,374,362,000 | 1,291,737,000 |
| Interest-bearing deposits | 790,907,000 | 774,612,000 | 767,212,000 | 703,652,000 |
| Noninterest-bearing deposits | 644,107,000 | 647,280,000 | 607,150,000 | 588,085,000 |
| Equity capital | 232,277,000 | 216,998,000 | 196,839,000 | 202,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,562,000 | 20,056,000 | 32,760,000 | 47,583,000 |
| Interest expense | 376,000 | 829,000 | 1,688,000 | 2,940,000 |
| Net interest income | 9,186,000 | 19,227,000 | 31,072,000 | 44,643,000 |
| Noninterest income | 5,230,000 | 10,808,000 | 17,531,000 | 21,507,000 |
| Noninterest expense | 9,371,000 | 19,303,000 | 30,439,000 | 39,091,000 |
| Provision for loan losses | 489,000 | 1,309,000 | 1,133,000 | 171,000 |
| Pretax income | 4,556,000 | 9,423,000 | 17,031,000 | 26,888,000 |
| Income tax | 979,000 | 2,034,000 | 3,786,000 | 5,768,000 |
| Net income | 3,577,000 | 7,389,000 | 13,245,000 | 21,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,145,000 | 218,958,000 | 224,813,000 | 232,689,000 |
| Total capital | 236,316,000 | 230,762,000 | 236,152,000 | 243,739,000 |
| Risk-weighted assets | 1,185,838,000 | 1,197,468,000 | 1,129,565,000 | 1,099,160,000 |