Call reports 2004
INTERNATIONAL BANK OF COMMERCE — 2004
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 5,323,378,000 | 7,918,517,000 | 8,051,310,000 | 8,394,373,000 |
| Total loans | 2,365,267,000 | 4,645,416,000 | 4,555,671,000 | 4,423,164,000 |
| Allowance for loan losses | 43,461,000 | 77,990,000 | 78,736,000 | 78,606,000 |
| Securities available for sale | 2,171,654,000 | 2,169,209,000 | 2,354,991,000 | 2,959,400,000 |
| Securities held to maturity | 1,850,000 | 2,075,000 | 2,075,000 | 2,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,575,212,000 | 5,543,612,000 | 5,586,248,000 | 5,583,753,000 |
| Interest-bearing deposits | 2,869,534,000 | 4,609,278,000 | 4,590,391,000 | 4,577,203,000 |
| Noninterest-bearing deposits | 705,678,000 | 934,334,000 | 995,857,000 | 1,006,550,000 |
| Equity capital | 597,615,000 | 757,655,000 | 788,812,000 | 799,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 57,517,000 | 116,481,000 | 203,785,000 | 295,854,000 |
| Interest expense | 15,082,000 | 31,513,000 | 54,046,000 | 80,653,000 |
| Net interest income | 42,435,000 | 84,968,000 | 149,739,000 | 215,201,000 |
| Noninterest income | 19,271,000 | 41,663,000 | 71,662,000 | 103,051,000 |
| Noninterest expense | 31,219,000 | 65,994,000 | 116,261,000 | 170,506,000 |
| Provision for loan losses | 1,051,000 | 2,109,000 | 3,800,000 | 5,114,000 |
| Pretax income | 32,851,000 | 65,418,000 | 107,590,000 | 148,929,000 |
| Income tax | 10,819,000 | 21,537,000 | 35,475,000 | 48,654,000 |
| Net income | 22,032,000 | 43,881,000 | 72,115,000 | 100,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 525,261,000 | 464,382,000 | 460,057,000 | 468,510,000 |
| Total capital | 563,939,000 | 529,195,000 | 525,428,000 | 534,465,000 |
| Risk-weighted assets | 3,085,969,000 | 5,171,846,000 | 5,212,338,000 | 5,258,468,000 |