International Bank of Commerce in Zapata, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


International Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 24961
    Status: Active
    Federal Reserve ID: 382069
    Bank Holding Company (Regulatory Top Holder): International Bancshares Corporation (RSSDID: 1104231, Location: Laredo, TX)
    Date Established: Febuary 06, 1984
    WWW: http://www.ibc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 10800
    FDIC's unique #: 17293
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 06, 1984
    Last Structure Change Effective Date: March 16, 2007
    Last Structure Change Process Date: April 10, 2007
    Last Data Update: April 10, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Tenth At U.S. Highway 83, Zapata, TX 78076
    County: Zapata
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $504.9 mil
    Equity capital: $66.2 mil
    Deposits held in domestic offices: $413.1 mil
    Return on assets (ROA): 1.59% ($8.0 mil)
    Quarterly return on assets: 2.22% ($11.2 mil)
    Return on Equity (ROE): 12.25% ($8.1 mil)
    Quarterly return on equity: 16.32% ($10.8 mil)
    Net income: $7.7 mil
    Quarterly Net income: $2.7 mil
    Pretax return on assets: 2.46% ($12,421.2 mil)
    Quarterly Pretax return on assets: 3.43% ($17,319.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 126Total employees (full-time equivalent)
  • $504,928Total assets
  • $10,314Cash and due from depository institutions
  • $5Interest-bearing balances
  • $296,715Securities
  • $42,600Federal funds sold & reverse repurchase agreements
  • $121,814Net loans & leases
  • $1,858Loan loss allowance
  • $0Trading account assets
  • $17,761Bank premises and fixed assets
  • $370Other real estate owned
  • $5,224Goodwill and other intangibles
  • $504,928Life insurance assets
  • $10,130All other assets
  • $438,683Total liabilities and capital
  • $413,082Total liabilities
  • $334,662Total deposits
  • $413,082Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 5690.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $19,911Subordinated debt
  • $66,245All other liabilities
  • $66,245Total equity capital
  • $66,245Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $29,449Surplus
  • $35,796Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $337Income earned, not collected on loans
  • $0Earning assets
  • $1,219Long-term assets (5+ years)
  • $461,134Average Assets, year-to-date
  • $273,400Average Assets, quarterly
  • $486,658Volatile liabilities
  • $481,150Insider loans
  • $159,373FHLB advances
  • $461,571Loans and leases held for sale
  • $6,902Unused loan commitments
  • $518Tier 1 (core) risk-based capital
  • $56,336Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,384Total unused commitments
  • $19,227Restructured Loans and leases
  • $5,322Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,139Total interest income
  • $2,234Total interest expense
  • $13,905Net interest income
  • $600Provision for loan and lease losses
  • $8,834Total noninterest income
  • $0Fiduciary activities
  • $5,535Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,299Additional noninterest income
  • $11,880Total noninterest expense
  • $4,174Salaries and employee benefits
  • $2,540Premises and equipment expense
  • $5,166Additional noninterest expense
  • $10,259Pre-tax net operating income
  • $1,695Securities gains (losses)
  • $4,205Applicable income taxes
  • $7,749Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,749Net income attributable to bank
  • $0Net charge-offs
  • $7,749Cash dividends
  • $1,058Sale, conversion, retirement of capital stock, net
  • $3,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.65%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 3.14%Net interest margin
  • 2.00%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.46%Pretax return on assets
  • 12.25%Return on equity (ROE)
  • 6.87%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 56.71%Credit loss provision to net charge-offs
  • 10.26%Efficiency ratio
  • 51,717Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.88%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 551.34%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 29.49%Net loans and leases to core deposits
  • 41.00%Equity capital to assets
  • 13.12%Core capital (leverage) ratio
  • 12.21%Tier 1 risk-based capital ratio
  • 35.35%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $486,658Average earning assets
  • $63,278Average equity
  • $442,169Average loans

List of branches

  • 12 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017293International Bank Of CommerceTenth At U.S. Highway 83, Zapata, TX 78076Febuary 06, 1984Full Service Brick and Mortar
    1257755Ibc-Roma BranchU.S. Highway 83 At Portaleza, Roma, TX 78584December 01, 1994Full Service Brick and Mortar
    2273319Ibc-Rio Grande Branch4015 East Highway 83, Rio Grande City, TX 78582October 01, 1934Full Service Brick and Mortar
    3365229Ibc-Rio Grande Wal-Mart Instore Bran4534 East Highway 83, Rio Grande City, TX 78582November 13, 2001Full Service Retail
    4432273Ibc-Zapata-hebbronville402 N. Smith Street, Hebbronville, TX 78361September 27, 2004Full Service Brick and Mortar
    5441375S. Norton Branch403 S. Norton Ave., Freer, TX 78357June 20, 2005Full Service Brick and Mortar
    6442451Ibc Zapata - Alice Branch2001 East Main, Alice, TX 78332March 21, 2005Full Service Brick and Mortar
    7448921Kingsville Branch1320 E General Cavazos Blvd, Kingsville, TX 78363September 19, 2005Full Service Brick and Mortar
    8455842Rio Grande City Heb In Store Branch4031 E. Hwy 83, Rio Grande City, TX 78582August 04, 2006Full Service Brick and Mortar
    11476610Beeville Branch302 N. St. Mary's Street, Beeville, TX 78102May 22, 2008Full Service Brick and Mortar
    12476611E. Houston Branch802 E. Houston, Beeville, TX 78102April 23, 2007Full Service Brick and Mortar
    13478502Kingsville University Branch715 W. Santa Gertrudis, Kingsville, TX 78363August 12, 2007Full Service Retail

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