Call reports 2016
INTERNATIONAL BANK OF COMMERCE — 2016
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 9,696,848,000 | 9,614,709,000 | 9,855,915,000 | 9,767,095,000 |
| Total loans | 5,256,786,000 | 5,231,287,000 | 5,159,017,000 | 5,236,046,000 |
| Allowance for loan losses | 53,669,000 | 54,221,000 | 55,348,000 | 55,820,000 |
| Securities available for sale | 3,119,292,000 | 3,079,090,000 | 3,376,140,000 | 3,183,220,000 |
| Securities held to maturity | 2,125,000 | 2,125,000 | 2,125,000 | 2,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,075,791,000 | 6,924,808,000 | 7,073,714,000 | 7,052,135,000 |
| Interest-bearing deposits | 4,339,443,000 | 4,246,168,000 | 4,282,464,000 | 4,314,914,000 |
| Noninterest-bearing deposits | 2,736,348,000 | 2,678,640,000 | 2,791,250,000 | 2,737,221,000 |
| Equity capital | 1,444,607,000 | 1,467,187,000 | 1,459,550,000 | 1,442,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 81,534,000 | 163,011,000 | 244,262,000 | 325,885,000 |
| Interest expense | 8,693,000 | 17,562,000 | 26,430,000 | 34,395,000 |
| Net interest income | 72,841,000 | 145,449,000 | 217,832,000 | 291,490,000 |
| Noninterest income | 31,337,000 | 63,504,000 | 98,285,000 | 134,955,000 |
| Noninterest expense | 57,230,000 | 119,076,000 | 184,068,000 | 248,355,000 |
| Provision for loan losses | 13,184,000 | 18,477,000 | 16,005,000 | 19,945,000 |
| Pretax income | 33,539,000 | 70,960,000 | 114,580,000 | 155,712,000 |
| Income tax | 11,110,000 | 23,630,000 | 37,155,000 | 49,807,000 |
| Net income | 22,429,000 | 47,330,000 | 77,425,000 | 105,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,159,237,000 | 1,174,148,000 | 1,173,250,000 | 1,201,527,000 |
| Total capital | 1,215,657,000 | 1,231,230,000 | 1,232,250,000 | 1,260,886,000 |
| Risk-weighted assets | 7,003,212,000 | 6,955,163,000 | 7,080,112,000 | 7,226,176,000 |