Call reports 2006
INTERNATIONAL BANK OF COMMERCE — 2006
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 8,799,710,000 | 8,941,211,000 | 8,966,456,000 | 9,181,474,000 |
| Total loans | 4,121,029,000 | 4,295,901,000 | 4,359,982,000 | 4,459,478,000 |
| Allowance for loan losses | 65,356,000 | 59,618,000 | 56,993,000 | 56,271,000 |
| Securities available for sale | 3,435,589,000 | 3,379,769,000 | 3,373,087,000 | 3,508,275,000 |
| Securities held to maturity | 2,075,000 | 2,075,000 | 2,075,000 | 2,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,734,081,000 | 5,663,511,000 | 5,740,772,000 | 5,896,460,000 |
| Interest-bearing deposits | 4,517,457,000 | 4,481,981,000 | 4,534,400,000 | 4,613,542,000 |
| Noninterest-bearing deposits | 1,216,624,000 | 1,181,530,000 | 1,206,372,000 | 1,282,918,000 |
| Equity capital | 854,070,000 | 837,353,000 | 851,412,000 | 850,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 121,040,000 | 248,103,000 | 381,923,000 | 519,455,000 |
| Interest expense | 52,516,000 | 112,375,000 | 178,427,000 | 247,572,000 |
| Net interest income | 68,524,000 | 135,728,000 | 203,496,000 | 271,883,000 |
| Noninterest income | 33,016,000 | 71,555,000 | 107,873,000 | 141,387,000 |
| Noninterest expense | 69,515,000 | 127,024,000 | 188,913,000 | 244,340,000 |
| Provision for loan losses | 427,000 | 206,000 | 1,962,000 | 2,744,000 |
| Pretax income | 31,598,000 | 80,463,000 | 119,551,000 | 165,256,000 |
| Income tax | 10,352,000 | 26,336,000 | 39,369,000 | 55,033,000 |
| Net income | 21,246,000 | 54,127,000 | 80,182,000 | 110,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 573,215,000 | 574,249,000 | 586,010,000 | 578,414,000 |
| Total capital | 636,395,000 | 639,272,000 | 647,686,000 | 639,892,000 |
| Risk-weighted assets | 5,047,430,000 | 5,201,540,000 | 5,351,824,000 | 5,449,903,000 |