For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Service charges on deposit accounts-Service Charges On Deposit Accounts | 74,316 | - | ||
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Banking | 58,987 | - | ||
| Service charges on deposit accounts-Other Service Charges Commissions And Fees Nonbanking | 10,458 | - | ||
| Investment securities transactions, net | -1 | -1 | ||
| Service charges on deposit accounts | - | 142,748 | ||
| Other investments income, net | 6,910 | 13,133 | ||
| Other income | 19,080 | 21,042 | ||
| Total non-interest income | 169,750 | 176,922 | ||
| Loans, including fees | 699,871 | 681,280 | ||
| Taxable | 164,572 | 153,486 | ||
| Tax-exempt | 5,955 | 6,146 | ||
| Other interest income | 15,876 | 25,070 | ||
| Total interest income | 886,274 | 865,982 | ||
| Savings deposits | 82,920 | 81,912 | ||
| Time deposits | 102,916 | 96,968 | ||
| Securities sold under repurchase agreements | 18,964 | 22,340 | ||
| Other borrowings | 2,330 | 281 | ||
| Junior subordinated deferrable interest debentures | 6,722 | 7,762 | ||
| Total interest expense | 213,852 | 209,263 | ||
| Net interest income | 672,422 | 656,719 | ||
| Credit loss expense | 15,092 | 31,802 | ||
| Net interest income after provision for credit losses | 657,330 | 624,917 | ||
| Employee compensation and benefits | 153,342 | 145,944 | ||
| Occupancy | 29,705 | 27,012 | ||
| Depreciation of bank premises and equipment | 23,349 | 22,524 | ||
| Professional fees | 13,577 | 15,726 | ||
| Deposit insurance assessments | 7,151 | 6,865 | ||
| Net operations, other real estate owned | -2,389 | -1,298 | ||
| Advertising | 5,311 | 6,289 | ||
| Software and software maintenance | 22,614 | 21,093 | ||
| Other | 49,280 | 46,368 | ||
| Total non-interest expense | 306,718 | 293,119 | ||
| Income before income taxes | 520,362 | 508,720 | ||
| Provision for income taxes | 108,069 | 99,553 | ||
| Net income | 412,293 | 409,167 | ||
| Basic EPS | 6.63 | 6.58 | ||
| Diluted EPS | 6.62 | 6.57 | ||
| Basic Average Shares | 62,171,914 | 62,180,448 | ||
| Diluted Average Shares | 62,256,907 | 62,298,278 | ||
INTERNATIONAL BANCSHARES CORP (IBOC)
INTERNATIONAL BANCSHARES CORP (IBOC)