For the quarter ending 2025-09-30, IBOC made $403,848,000 in revenue. $108,375,000 in net income. Net profit margin of 26.84%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 179,055,000 | 173,979,000 | 170,160,000 | 168,691,500 |
| Taxable | 41,472,000 | 41,401,000 | 40,932,000 | 38,122,000 |
| Tax-exempt | 1,503,000 | 1,514,000 | 1,527,000 | 1,536,500 |
| Other interest income | 4,748,000 | 4,073,000 | 2,020,000 | 5,476,500 |
| Total interest income | 226,778,000 | 220,967,000 | 214,639,000 | 213,826,500 |
| Savings deposits | 21,486,000 | 21,318,000 | 20,450,000 | 20,206,000 |
| Time deposits | 26,118,000 | 25,150,000 | 25,500,000 | 23,955,500 |
| Securities sold under repurchase agreements | 5,115,000 | 4,640,000 | 4,304,000 | 5,424,000 |
| Other borrowings | 118,000 | 669,000 | 1,476,000 | 69,000 |
| Junior subordinated deferrable interest debentures | 1,710,000 | 1,693,000 | 1,690,000 | 1,899,000 |
| Total interest expense | 54,547,000 | 53,470,000 | 53,420,000 | 51,553,500 |
| Net interest income | 172,231,000 | 167,497,000 | 161,219,000 | 162,273,000 |
| Credit loss expense | 1,827,000 | 4,398,000 | 3,329,000 | 7,214,500 |
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Banking | - | 14,939,000 | - | - |
| Net interest income after provision for credit losses | 170,404,000 | 163,099,000 | 157,890,000 | 155,058,500 |
| Service charges on deposit accounts-Service Charges On Deposit Accounts | 19,239,000 | 17,988,000 | - | - |
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Banking | 14,872,000 | - | - | - |
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Nonbanking | 2,423,000 | - | - | - |
| Investment securities transactions, net | -1,000 | - | - | 0 |
| Service charges on deposit accounts | - | - | 34,067,000 | 35,695,500 |
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Nonbanking | - | 2,650,000 | - | - |
| Other investments income (loss), net | 3,645,000 | 348,000 | -1,258,000 | 2,952,000 |
| Other income | 5,673,000 | 4,739,000 | 4,194,000 | 6,132,500 |
| Total non-interest income | 45,851,000 | 40,664,000 | 37,003,000 | 44,780,000 |
| Employee compensation and benefits | 37,613,000 | 38,251,000 | 38,611,000 | 36,386,000 |
| Occupancy | 7,986,000 | 7,270,000 | 6,406,000 | 6,290,000 |
| Depreciation of bank premises and equipment | 5,697,000 | 5,486,000 | 5,613,000 | 5,607,500 |
| Professional fees | 4,647,000 | 4,074,000 | 3,571,000 | 3,691,500 |
| Deposit insurance assessments | 1,797,000 | 1,763,000 | 1,770,000 | 1,719,000 |
| Net operations, other real estate owned | -1,546,000 | -990,000 | -376,000 | 67,500 |
| Advertising | 1,724,000 | 1,732,000 | 1,721,000 | 1,715,000 |
| Software and software maintenance | 5,657,000 | 5,721,000 | 5,410,000 | 5,311,000 |
| Other | 13,096,000 | 12,514,000 | 10,297,000 | 10,745,500 |
| Total non-interest expense | 79,763,000 | 77,801,000 | 73,775,000 | 71,398,000 |
| Income before income taxes | 136,492,000 | 125,962,000 | 121,118,000 | 128,440,500 |
| Provision for income taxes | 28,117,000 | 25,820,000 | 24,226,000 | 22,233,000 |
| Net income | 108,375,000 | 100,142,000 | 96,892,000 | 106,207,500 |
| Earnings per share, basic | 1.74 | 1.61 | 1.56 | 1.71 |
| Earnings per share, diluted | 1.74 | 1.61 | 1.56 | 1.705 |
| Weighted average number of shares outstanding, basic | 62,157,827 | 62,150,969 | 62,213,966 | -31,093,880 |
| Weighted average number of shares outstanding, diluted | 62,245,032 | 62,232,768 | 62,304,991 | -31,151,677 |
INTERNATIONAL BANCSHARES CORP (IBOC)
INTERNATIONAL BANCSHARES CORP (IBOC)