Call reports 2008
INTERNATIONAL BANK OF COMMERCE — 2008
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 9,359,919,000 | 9,363,209,000 | 9,821,668,000 | 10,638,109,000 |
| Total loans | 4,990,772,000 | 5,050,485,000 | 5,077,028,000 | 5,199,152,000 |
| Allowance for loan losses | 54,635,000 | 57,908,000 | 61,144,000 | 65,218,000 |
| Securities available for sale | 3,085,377,000 | 3,137,753,000 | 3,455,601,000 | 4,145,672,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,103,894,000 | 6,061,089,000 | 5,880,431,000 | 5,804,949,000 |
| Interest-bearing deposits | 4,780,714,000 | 4,728,159,000 | 4,616,352,000 | 4,533,687,000 |
| Noninterest-bearing deposits | 1,323,180,000 | 1,332,930,000 | 1,264,079,000 | 1,271,262,000 |
| Equity capital | 963,239,000 | 959,399,000 | 976,334,000 | 1,039,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 126,749,000 | 243,859,000 | 361,516,000 | 481,264,000 |
| Interest expense | 56,971,000 | 102,454,000 | 145,805,000 | 185,649,000 |
| Net interest income | 69,778,000 | 141,405,000 | 215,711,000 | 295,615,000 |
| Noninterest income | 36,243,000 | 74,838,000 | 116,453,000 | 152,318,000 |
| Noninterest expense | 62,209,000 | 129,736,000 | 196,577,000 | 264,923,000 |
| Provision for loan losses | 1,483,000 | 5,293,000 | 11,740,000 | 18,163,000 |
| Pretax income | 42,460,000 | 87,537,000 | 130,171,000 | 171,187,000 |
| Income tax | 14,497,000 | 30,224,000 | 45,209,000 | 59,283,000 |
| Net income | 27,963,000 | 57,313,000 | 84,962,000 | 111,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 652,603,000 | 658,724,000 | 682,805,000 | 736,263,000 |
| Total capital | 713,995,000 | 723,820,000 | 747,176,000 | 804,621,000 |
| Risk-weighted assets | 6,149,130,000 | 6,373,017,000 | 6,355,166,000 | 6,494,449,000 |