Call reports 2015
INTERNATIONAL BANK OF COMMERCE — 2015
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 10,038,267,000 | 9,828,015,000 | 9,859,814,000 | 9,632,973,000 |
| Total loans | 5,142,892,000 | 5,142,111,000 | 5,268,689,000 | 5,275,188,000 |
| Allowance for loan losses | 58,513,000 | 53,725,000 | 57,686,000 | 58,931,000 |
| Securities available for sale | 3,577,056,000 | 3,363,573,000 | 3,285,341,000 | 3,025,094,000 |
| Securities held to maturity | 2,125,000 | 2,125,000 | 2,125,000 | 2,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,101,692,000 | 6,952,280,000 | 6,989,195,000 | 6,984,523,000 |
| Interest-bearing deposits | 4,487,904,000 | 4,365,192,000 | 4,312,281,000 | 4,278,850,000 |
| Noninterest-bearing deposits | 2,613,788,000 | 2,587,088,000 | 2,676,914,000 | 2,705,673,000 |
| Equity capital | 1,385,877,000 | 1,382,371,000 | 1,406,077,000 | 1,417,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 82,008,000 | 164,505,000 | 247,565,000 | 329,645,000 |
| Interest expense | 9,057,000 | 18,145,000 | 27,211,000 | 35,927,000 |
| Net interest income | 72,951,000 | 146,360,000 | 220,354,000 | 293,718,000 |
| Noninterest income | 31,128,000 | 66,693,000 | 100,357,000 | 132,327,000 |
| Noninterest expense | 57,625,000 | 116,187,000 | 180,148,000 | 237,024,000 |
| Provision for loan losses | 2,548,000 | 10,501,000 | 18,039,000 | 22,234,000 |
| Pretax income | 43,800,000 | 85,656,000 | 121,677,000 | 162,535,000 |
| Income tax | 14,864,000 | 28,846,000 | 40,920,000 | 54,687,000 |
| Net income | 28,936,000 | 56,810,000 | 80,757,000 | 107,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,100,717,000 | 1,114,148,000 | 1,124,653,000 | 1,151,812,000 |
| Total capital | 1,162,054,000 | 1,170,844,000 | 1,185,290,000 | 1,213,377,000 |
| Risk-weighted assets | 6,949,979,000 | 6,962,773,000 | 7,087,777,000 | 7,025,409,000 |