Call reports 2005
INTERNATIONAL BANK OF COMMERCE — 2005
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 8,756,186,000 | 8,769,182,000 | 8,756,653,000 | 8,779,649,000 |
| Total loans | 4,487,965,000 | 4,433,544,000 | 4,229,359,000 | 4,121,801,000 |
| Allowance for loan losses | 80,023,000 | 74,961,000 | 73,317,000 | 70,222,000 |
| Securities available for sale | 3,155,665,000 | 3,211,982,000 | 3,298,679,000 | 3,316,639,000 |
| Securities held to maturity | 2,075,000 | 2,075,000 | 2,075,000 | 2,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,619,146,000 | 5,565,956,000 | 5,520,827,000 | 5,643,516,000 |
| Interest-bearing deposits | 4,550,748,000 | 4,519,049,000 | 4,385,054,000 | 4,472,306,000 |
| Noninterest-bearing deposits | 1,068,398,000 | 1,046,907,000 | 1,135,773,000 | 1,171,210,000 |
| Equity capital | 807,923,000 | 839,528,000 | 864,594,000 | 847,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 102,183,000 | 211,007,000 | 323,092,000 | 438,054,000 |
| Interest expense | 31,559,000 | 68,535,000 | 110,764,000 | 159,338,000 |
| Net interest income | 70,624,000 | 142,472,000 | 212,328,000 | 278,716,000 |
| Noninterest income | 35,160,000 | 67,012,000 | 100,938,000 | 133,783,000 |
| Noninterest expense | 53,194,000 | 110,546,000 | 167,271,000 | 223,857,000 |
| Provision for loan losses | 1,992,000 | 1,713,000 | 1,089,000 | -890,000 |
| Pretax income | 50,721,000 | 97,164,000 | 144,845,000 | 189,471,000 |
| Income tax | 17,290,000 | 32,955,000 | 48,631,000 | 64,310,000 |
| Net income | 33,431,000 | 64,209,000 | 96,214,000 | 125,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 503,307,000 | 526,359,000 | 559,440,000 | 565,312,000 |
| Total capital | 569,754,000 | 591,834,000 | 623,298,000 | 628,370,000 |
| Risk-weighted assets | 5,300,462,000 | 5,217,799,000 | 5,091,268,000 | 5,032,672,000 |