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

International Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 25679
    Status: Active
    Federal Reserve ID: 230759
    Bank Holding Company (Regulatory Top Holder): International Bancshares Corporation (RSSDID: 1104231, Location: Laredo, TX)
    Date Established: October 09, 1984
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 10799
    FDIC's unique #: 17579
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 09, 1984
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1600 F.M. 802, Brownsville, TX 78520
    County: Cameron
    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
    Metropolitan Statistical Area (MSA): Brownsville-Harlingen-San Benito, TX (#1240)
    Combined Statistical Area (CSA): Brownsville-Harlingen-Raymondville, TX (#154)
    Core Based Statistical Area (CBSA): Brownsville-Harlingen, TX (#15180)
    CBSA Metro Statistical Area: Brownsville-Harlingen, TX (#15180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $952.8 mil
    Equity capital: $126.6 mil
    Deposits held in domestic offices: $601.8 mil
    Return on assets (ROA): 1.68% ($16.0 mil)
    Quarterly return on assets: 1.92% ($18.3 mil)
    Return on Equity (ROE): 12.59% ($16.0 mil)
    Quarterly return on equity: 13.99% ($17.8 mil)
    Net income: $15.4 mil
    Quarterly Net income: $4.5 mil
    Pretax return on assets: 2.56% ($24,391.4 mil)
    Quarterly Pretax return on assets: 2.93% ($27,916.7 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
  • 228Total employees (full-time equivalent)
  • $952,789Total assets
  • $14,248Cash and due from depository institutions
  • $5Interest-bearing balances
  • $446,240Securities
  • $7,100Federal funds sold & reverse repurchase agreements
  • $426,526Net loans & leases
  • $7,431Loan loss allowance
  • $0Trading account assets
  • $27,980Bank premises and fixed assets
  • $2,115Other real estate owned
  • $1,962Goodwill and other intangibles
  • $952,789Life insurance assets
  • $26,618All other assets
  • $826,160Total liabilities and capital
  • $601,769Total liabilities
  • $468,340Total deposits
  • $601,769Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 45584.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $132,661Trading liabilities
  • $0Other borrowed funds
  • $46,146Subordinated debt
  • $126,629All other liabilities
  • $126,629Total equity capital
  • $126,629Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $39,000Surplus
  • $86,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,419Income earned, not collected on loans
  • $0Earning assets
  • $2,262Long-term assets (5+ years)
  • $879,871Average Assets, year-to-date
  • $386,676Average Assets, quarterly
  • $915,811Volatile liabilities
  • $928,851Insider loans
  • $480,241FHLB advances
  • $870,887Loans and leases held for sale
  • $16,338Unused loan commitments
  • $2,632Tier 1 (core) risk-based capital
  • $117,707Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,706Total unused commitments
  • $59,697Restructured Loans and leases
  • $9,965Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,350Total interest income
  • $3,942Total interest expense
  • $29,408Net interest income
  • $2,132Provision for loan and lease losses
  • $12,394Total noninterest income
  • $0Fiduciary activities
  • $7,498Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,896Additional noninterest income
  • $18,618Total noninterest expense
  • $6,988Salaries and employee benefits
  • $3,903Premises and equipment expense
  • $7,727Additional noninterest expense
  • $21,052Pre-tax net operating income
  • $2,398Securities gains (losses)
  • $8,083Applicable income taxes
  • $15,367Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,367Net income attributable to bank
  • $0Net charge-offs
  • $15,367Cash dividends
  • $1,402Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.49%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 2.56%Pretax return on assets
  • 12.59%Return on equity (ROE)
  • 8.49%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 152.07%Credit loss provision to net charge-offs
  • 16.54%Efficiency ratio
  • 44,539Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.54%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 217.34%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 70.88%Net loans and leases to core deposits
  • 95.44%Equity capital to assets
  • 13.29%Core capital (leverage) ratio
  • 13.52%Tier 1 risk-based capital ratio
  • 24.51%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $915,811Average earning assets
  • $122,050Average equity
  • $843,336Average loans

List of branches

  • 14 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017579International Bank Of Commerce1600 F.M. 802, Brownsville, TX 78520October 09, 1984Full Service Brick and Mortar
    2273321Harlingen Branch321 S. 77 Sunshine Strip, Harlingen, TX 78550October 01, 1934Full Service Brick and Mortar
    3164544520 East 14th Street Branch4520 East 14th Street, Brownsville, TX 78520July 06, 1981Full Service Brick and Mortar
    5256384South Padre Island Branch911 Padre Boulevard, South Padre Island, TX 78597Febuary 01, 1990Full Service Brick and Mortar
    6258144Central Branch1623 Central Boulevard, Brownsville, TX 78520December 08, 1993Full Service Brick and Mortar
    7285299Harlingen Branch501 South Dixieland Road, Harlingen, TX 78522June 30, 1985Full Service Brick and Mortar
    10258146Harlingen Walmart Instore1801 West Lincoln, Harlingen, TX 78550April 08, 1998Full Service Brick and Mortar
    12361832Brownsville Branch2370 North Expressway, Suite 1222, Brownsville, TX 78526July 22, 2000Full Service Brick and Mortar
    13361833West Alton Gloor Blvd Branch3500 West Alton Gloor Blvd, Brownsville, TX 78526April 28, 2001Full Service Brick and Mortar
    15430467Downtown Branch630 E Elizabeth, Brownsville, TX 78520July 14, 2003Full Service Brick and Mortar
    16439309South Highway 48 Branch7480 South Highway 48, Brownsville, TX 78520Febuary 01, 2005Full Service Brick and Mortar
    17441376Alton Gloor Branch79 E. Alton Gloor, Brownsville, TX 78526June 14, 2005Full Service Brick and Mortar
    19453067Wal Mart Port Isabel Branch1401 Hwy 100, Port Isabel, TX 78578July 15, 2005Full Service Retail
    20455843Brownsville Walmart Branch2721 Boca Chica Blvd, Brownsville, TX 78521July 19, 2006Full Service Brick and Mortar

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