Call reports 2002
INTERNATIONAL BANK OF COMMERCE — 2002
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 5,036,713,000 | 5,349,562,000 | 5,219,920,000 | 5,187,251,000 |
| Total loans | 2,242,695,000 | 2,277,153,000 | 2,257,260,000 | 2,333,382,000 |
| Allowance for loan losses | 34,687,000 | 36,034,000 | 36,755,000 | 37,495,000 |
| Securities available for sale | 2,209,335,000 | 2,507,355,000 | 2,408,776,000 | 2,300,756,000 |
| Securities held to maturity | 1,750,000 | 1,750,000 | 1,750,000 | 1,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,452,696,000 | 3,429,537,000 | 3,323,071,000 | 3,338,522,000 |
| Interest-bearing deposits | 3,165,325,000 | 3,166,130,000 | 3,064,047,000 | 3,056,920,000 |
| Noninterest-bearing deposits | 287,371,000 | 263,407,000 | 259,024,000 | 281,602,000 |
| Equity capital | 426,984,000 | 464,873,000 | 492,858,000 | 507,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 72,414,000 | 144,646,000 | 218,471,000 | 288,204,000 |
| Interest expense | 24,323,000 | 46,699,000 | 69,248,000 | 89,714,000 |
| Net interest income | 48,091,000 | 97,947,000 | 149,223,000 | 198,490,000 |
| Noninterest income | 11,327,000 | 25,645,000 | 43,894,000 | 64,752,000 |
| Noninterest expense | 30,232,000 | 62,920,000 | 95,369,000 | 129,470,000 |
| Provision for loan losses | 1,829,000 | 3,622,000 | 5,569,000 | 7,479,000 |
| Pretax income | 27,423,000 | 57,167,000 | 94,448,000 | 128,570,000 |
| Income tax | 9,634,000 | 19,706,000 | 33,232,000 | 44,223,000 |
| Net income | 17,789,000 | 37,461,000 | 61,216,000 | 84,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 347,233,000 | 366,375,000 | 397,799,000 | 409,373,000 |
| Total capital | 381,704,000 | 401,732,000 | 434,554,000 | 445,668,000 |
| Risk-weighted assets | 2,757,453,000 | 2,827,906,000 | 2,942,602,000 | 2,894,781,000 |