Call reports 2014
INTERNATIONAL BANK OF COMMERCE — 2014
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 9,936,595,000 | 10,156,026,000 | 9,845,312,000 | 9,892,151,000 |
| Total loans | 4,666,329,000 | 4,819,205,000 | 5,041,187,000 | 5,046,071,000 |
| Allowance for loan losses | 62,738,000 | 64,221,000 | 64,278,000 | 57,385,000 |
| Securities available for sale | 3,915,367,000 | 3,849,974,000 | 3,457,206,000 | 3,548,156,000 |
| Securities held to maturity | 2,125,000 | 2,125,000 | 2,125,000 | 2,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,935,572,000 | 6,967,849,000 | 6,969,416,000 | 6,904,521,000 |
| Interest-bearing deposits | 4,476,831,000 | 4,453,674,000 | 4,459,784,000 | 4,368,746,000 |
| Noninterest-bearing deposits | 2,458,741,000 | 2,514,175,000 | 2,509,632,000 | 2,535,775,000 |
| Equity capital | 1,245,363,000 | 1,301,784,000 | 1,307,538,000 | 1,341,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 81,389,000 | 164,169,000 | 245,979,000 | 328,081,000 |
| Interest expense | 9,674,000 | 19,166,000 | 28,609,000 | 37,923,000 |
| Net interest income | 71,715,000 | 145,003,000 | 217,370,000 | 290,158,000 |
| Noninterest income | 39,884,000 | 76,445,000 | 112,348,000 | 147,323,000 |
| Noninterest expense | 68,581,000 | 129,455,000 | 191,228,000 | 247,976,000 |
| Provision for loan losses | 1,805,000 | 5,555,000 | 7,835,000 | 13,109,000 |
| Pretax income | 49,234,000 | 93,991,000 | 131,590,000 | 177,115,000 |
| Income tax | 15,346,000 | 30,388,000 | 42,682,000 | 58,156,000 |
| Net income | 33,888,000 | 63,603,000 | 88,908,000 | 118,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,004,819,000 | 1,035,787,000 | 1,046,190,000 | 1,071,360,000 |
| Total capital | 1,070,362,000 | 1,102,820,000 | 1,113,232,000 | 1,131,528,000 |
| Risk-weighted assets | 6,242,766,000 | 6,339,131,000 | 6,518,860,000 | 6,537,571,000 |