Call reports 2025
INTERNATIONAL BANK OF COMMERCE — 2025
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,643,212,000 | 1,656,017,000 | 1,629,426,000 | 1,619,237,000 |
| Total loans | 644,271,000 | 673,044,000 | 683,976,000 | 684,252,000 |
| Allowance for loan losses | 18,679,000 | 11,496,000 | 11,210,000 | 11,071,000 |
| Securities available for sale | 659,497,000 | 636,313,000 | 615,574,000 | 620,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,176,257,000 | 1,152,864,000 | 1,146,528,000 | 1,119,442,000 |
| Interest-bearing deposits | 711,686,000 | 695,470,000 | 709,335,000 | 700,410,000 |
| Noninterest-bearing deposits | 464,571,000 | 457,394,000 | 437,193,000 | 419,032,000 |
| Equity capital | 214,736,000 | 225,296,000 | 236,592,000 | 245,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,680,000 | 36,009,000 | 54,739,000 | 73,002,000 |
| Interest expense | 5,525,000 | 11,207,000 | 16,694,000 | 21,798,000 |
| Net interest income | 12,155,000 | 24,802,000 | 38,045,000 | 51,204,000 |
| Noninterest income | 3,609,000 | 7,666,000 | 11,918,000 | 16,180,000 |
| Noninterest expense | 8,792,000 | 18,024,000 | 28,635,000 | 36,970,000 |
| Provision for loan losses | 721,000 | 856,000 | 606,000 | 842,000 |
| Pretax income | 6,241,000 | 13,659,000 | 20,941,000 | 29,827,000 |
| Income tax | 1,274,000 | 2,849,000 | 4,388,000 | 6,437,000 |
| Net income | 4,967,000 | 10,810,000 | 16,553,000 | 23,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 224,990,000 | 230,834,000 | 236,577,000 | 243,414,000 |
| Total capital | 239,969,000 | 242,864,000 | 248,173,000 | 254,835,000 |
| Risk-weighted assets | 1,194,016,000 | 1,209,180,000 | 1,207,523,000 | 1,176,566,000 |