Call reports 2007
INTERNATIONAL BANK OF COMMERCE — 2007
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 9,414,010,000 | 8,708,140,000 | 8,942,788,000 | 9,438,986,000 |
| Total loans | 4,591,829,000 | 4,528,808,000 | 4,621,286,000 | 4,915,202,000 |
| Allowance for loan losses | 57,290,000 | 58,134,000 | 54,481,000 | 54,098,000 |
| Securities available for sale | 3,523,798,000 | 2,903,386,000 | 3,163,566,000 | 3,256,993,000 |
| Securities held to maturity | 2,075,000 | 2,025,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,053,259,000 | 6,012,304,000 | 5,915,779,000 | 6,056,844,000 |
| Interest-bearing deposits | 4,785,328,000 | 4,742,286,000 | 4,687,438,000 | 4,731,373,000 |
| Noninterest-bearing deposits | 1,267,931,000 | 1,270,018,000 | 1,228,341,000 | 1,325,471,000 |
| Equity capital | 885,628,000 | 886,072,000 | 897,180,000 | 920,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 139,646,000 | 278,692,000 | 414,406,000 | 550,415,000 |
| Interest expense | 70,100,000 | 135,539,000 | 199,666,000 | 264,579,000 |
| Net interest income | 69,546,000 | 143,153,000 | 214,740,000 | 285,836,000 |
| Noninterest income | 32,152,000 | 68,222,000 | 102,754,000 | 138,917,000 |
| Noninterest expense | 57,756,000 | 121,125,000 | 185,610,000 | 252,211,000 |
| Provision for loan losses | 986,000 | 1,973,000 | -1,786,000 | -1,452,000 |
| Pretax income | 28,538,000 | 75,797,000 | 120,307,000 | 160,635,000 |
| Income tax | 9,309,000 | 25,402,000 | 40,315,000 | 50,583,000 |
| Net income | 19,229,000 | 50,395,000 | 79,992,000 | 110,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 601,870,000 | 608,319,000 | 611,890,000 | 625,133,000 |
| Total capital | 664,711,000 | 672,354,000 | 672,808,000 | 686,411,000 |
| Risk-weighted assets | 5,711,634,000 | 5,578,843,000 | 5,766,842,000 | 6,044,146,000 |