Call reports 2023
INTERNATIONAL BANK OF COMMERCE — 2023
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,600,498,000 | 1,589,656,000 | 1,545,200,000 | 1,535,782,000 |
| Total loans | 577,031,000 | 585,096,000 | 564,790,000 | 565,078,000 |
| Allowance for loan losses | 10,534,000 | 10,568,000 | 10,051,000 | 13,995,000 |
| Securities available for sale | 601,937,000 | 570,687,000 | 564,511,000 | 572,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,243,475,000 | 1,183,766,000 | 1,162,109,000 | 1,126,157,000 |
| Interest-bearing deposits | 705,053,000 | 680,945,000 | 690,781,000 | 677,542,000 |
| Noninterest-bearing deposits | 538,422,000 | 502,821,000 | 471,328,000 | 448,615,000 |
| Equity capital | 217,977,000 | 216,940,000 | 214,862,000 | 213,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,746,000 | 31,954,000 | 48,592,000 | 66,103,000 |
| Interest expense | 2,091,000 | 5,361,000 | 9,095,000 | 13,671,000 |
| Net interest income | 13,655,000 | 26,593,000 | 39,497,000 | 52,432,000 |
| Noninterest income | 5,330,000 | 10,563,000 | 15,603,000 | 19,073,000 |
| Noninterest expense | 8,833,000 | 18,646,000 | 30,620,000 | 38,163,000 |
| Provision for loan losses | 274,000 | 751,000 | 526,000 | 1,328,000 |
| Pretax income | 9,878,000 | 17,759,000 | 23,954,000 | 32,014,000 |
| Income tax | 1,929,000 | 3,739,000 | 5,130,000 | 6,737,000 |
| Net income | 7,949,000 | 14,020,000 | 18,824,000 | 25,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 240,638,000 | 246,710,000 | 251,514,000 | 232,965,000 |
| Total capital | 251,768,000 | 257,850,000 | 262,238,000 | 247,031,000 |
| Risk-weighted assets | 1,105,283,000 | 1,124,925,000 | 1,122,704,000 | 1,124,537,000 |