Call reports 2023
INTERNATIONAL BANK OF COMMERCE — 2023
What INTERNATIONAL BANK OF COMMERCE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 9,210,021,000 | 8,974,886,000 | 8,886,938,000 | 8,979,372,000 |
| Total loans | 5,389,719,000 | 5,363,854,000 | 5,686,100,000 | 5,836,457,000 |
| Allowance for loan losses | 96,004,000 | 101,611,000 | 109,714,000 | 114,040,000 |
| Securities available for sale | 1,887,984,000 | 1,786,003,000 | 1,723,855,000 | 1,775,522,000 |
| Securities held to maturity | 3,125,000 | 3,125,000 | 3,125,000 | 3,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,573,417,000 | 6,328,043,000 | 6,334,238,000 | 6,353,456,000 |
| Interest-bearing deposits | 3,454,575,000 | 3,374,696,000 | 3,340,698,000 | 3,397,014,000 |
| Noninterest-bearing deposits | 3,118,842,000 | 2,953,347,000 | 2,993,540,000 | 2,956,442,000 |
| Equity capital | 1,393,995,000 | 1,438,614,000 | 1,409,980,000 | 1,536,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 127,690,000 | 260,970,000 | 396,156,000 | 534,197,000 |
| Interest expense | 22,355,000 | 49,604,000 | 78,064,000 | 109,920,000 |
| Net interest income | 105,335,000 | 211,366,000 | 318,092,000 | 424,277,000 |
| Noninterest income | 28,680,000 | 56,673,000 | 86,516,000 | 118,974,000 |
| Noninterest expense | 46,811,000 | 92,158,000 | 139,564,000 | 187,894,000 |
| Provision for loan losses | 6,290,000 | 12,166,000 | 21,122,000 | 26,220,000 |
| Pretax income | 80,914,000 | 163,715,000 | 243,919,000 | 329,134,000 |
| Income tax | 17,184,000 | 34,757,000 | 51,420,000 | 70,358,000 |
| Net income | 63,730,000 | 128,958,000 | 192,499,000 | 258,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,314,334,000 | 1,379,487,000 | 1,378,369,000 | 1,444,775,000 |
| Total capital | 1,406,526,000 | 1,470,838,000 | 1,475,118,000 | 1,542,462,000 |
| Risk-weighted assets | 7,367,695,000 | 7,293,843,000 | 7,723,099,000 | 7,794,440,000 |