Call reports 2003
INTERNATIONAL BANK OF COMMERCE — 2003
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,129,714,000 | 5,417,489,000 | 6,018,693,000 | 5,294,201,000 |
| Total loans | 2,303,573,000 | 2,301,265,000 | 2,345,286,000 | 2,329,228,000 |
| Allowance for loan losses | 38,840,000 | 40,239,000 | 41,194,000 | 42,382,000 |
| Securities available for sale | 2,223,287,000 | 2,544,869,000 | 3,025,627,000 | 2,304,442,000 |
| Securities held to maturity | 1,750,000 | 1,750,000 | 1,750,000 | 1,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,420,152,000 | 3,365,374,000 | 3,387,307,000 | 3,531,176,000 |
| Interest-bearing deposits | 3,126,386,000 | 3,059,672,000 | 3,102,523,000 | 2,826,905,000 |
| Noninterest-bearing deposits | 293,766,000 | 305,702,000 | 284,784,000 | 704,271,000 |
| Equity capital | 528,774,000 | 547,227,000 | 547,545,000 | 571,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 66,166,000 | 129,521,000 | 194,875,000 | 257,184,000 |
| Interest expense | 17,604,000 | 35,017,000 | 52,677,000 | 69,698,000 |
| Net interest income | 48,562,000 | 94,504,000 | 142,198,000 | 187,486,000 |
| Noninterest income | 18,924,000 | 39,662,000 | 60,058,000 | 80,129,000 |
| Noninterest expense | 30,577,000 | 65,800,000 | 97,257,000 | 130,721,000 |
| Provision for loan losses | 1,708,000 | 3,528,000 | 5,300,000 | 7,103,000 |
| Pretax income | 37,580,000 | 72,014,000 | 113,637,000 | 148,874,000 |
| Income tax | 12,567,000 | 23,591,000 | 37,311,000 | 48,776,000 |
| Net income | 25,013,000 | 48,423,000 | 76,326,000 | 100,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 429,652,000 | 453,329,000 | 478,497,000 | 502,536,000 |
| Total capital | 465,969,000 | 491,278,000 | 518,801,000 | 540,856,000 |
| Risk-weighted assets | 2,883,016,000 | 3,018,778,000 | 3,219,082,000 | 3,056,339,000 |