International Bank of Commerce

Weiss Ratings	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	9.20
Capitalization Index	10.00
Liquidity Index	5.50
Profitability Index	7.10
Stability Index	7.50

Company Info	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
FDIC Number	24961
Phone Number	(956) 765-8361
Website	www.ibc.com

Asset Quality	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.28%
5-Year Asset Growth	1.64%
5-Year Charge-Offs to Average Loans	0.53%
Charge-Offs to Average Loans	0.38%
Non-Performing Assets to Assets	0.19%
Non-Performing Loans to Capital	0.55%
Non-Performing Loans to Loans	0.30%

Balance Sheet	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	464.33M
Total Deposits	406.55M

Capital and Reserves	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
Capital	45.10M
Leverage Ratio	13.26
Loan Loss Reserves to Loans	1.88%
Risk-Based Capital Ratio	32.43

Liquidity	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	20.03%
Liquidity Ratio	56.55%

Profitability	International Bank of Commerce Zapata, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.98%
Net Income	7.69M
Net Interest Spread	3.15%
Operating Profit to Average Assets	2.00%
Overhead Efficiency Ratio	53.07%
Return on Assets	1.57%
Return on Equity	15.33%