US-listed companies
INTERNATIONAL BANCSHARES CORP

INTERNATIONAL BANCSHARES CORPIBOC

Market cap

$3.8B

P/E ratio

9.2x

Income statement Balance sheet Cash flow

	Dec 31, 2010	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023
Loans, including fees	314	293	269	263	282	297	298	323	375	414	378	359	402	620
Taxable	135	114	95	87	100	88	80	82	81	72	46	34	75	132
Tax-exempt	7	10	12	13	12	11	10	10	8	5	2	1	3	6
Other interest income	2	2	1	0	0	0	0	1	1	1	1	3	46	42
Total interest income	459	418	376	363	394	397	388	415	466	492	427	398	526	800
Savings deposits	-	8	-	-	-	-	5	6	13	16	6	4	13	60
Time deposits	47	32	24	15	12	11	10	10	13	21	19	12	11	53
Securities sold under repurchase agreements	44	42	38	29	25	24	21	7	2	2	1	1	2	15
Other borrowings	-	-	-	-	-	-	-	-	-	12	9	8	7	0
Junior subordinated deferrable interest debentures	12	11	7	5	4	4	5	5	7	6	4	3	5	8
Total interest expense	114	94	74	55	47	44	43	39	53	59	39	27	38	137
Net interest income	345	324	301	309	347	352	345	376	413	434	388	371	488	664
Credit loss expense	-	-	-	-	-	-	-	-	-	-	45	8	22	35
Net interest income after provision for credit losses	322	307	273	286	333	328	325	365	407	415	343	363	466	629
Service charges	459	418	376	363	394	397	388	415	466	492	427	398	526	800
Investment securities transactions, net	-	-	-	-	-	-	-	-	-0	-0	-0	-0	-	-0
Banking	48	51	39	41	44	45	46	45	-	-	-	-	-	-
Non-banking	-	-	-	-	-	-	7	7	-	-	-	-	-	-
Noninterest Income, Other	18	16	13	22	22	17	24	19	20	6	5	69	18	10
Investment securities transactions, net	-	-	-	-	-	-	-	-	-0	-0	-0	-0	-	-0
Other income	12	12	10	12	15	11	14	11	18	18	27	25	33	19
Noninterest Income, Other	18	16	13	22	22	17	24	19	20	6	5	69	18	10
Total non-interest income	219	201	201	190	178	156	162	150	165	155	151	222	187	170
Other income	12	12	10	12	15	11	14	11	18	18	27	25	33	19
Total non-interest income	219	201	201	190	178	156	162	150	165	155	151	222	187	170
Labor and Related Expense	127	126	118	120	122	125	129	133	139	146	130	123	128	134
Occupancy	37	39	35	32	33	28	27	28	29	29	25	26	26	26
Depreciation, Nonproduction	-	35	27	26	24	25	25	25	26	28	28	25	22	22
Professional fees	16	13	14	13	11	12	14	14	13	18	13	8	11	14
Deposit insurance assessments	10	9	8	7	6	6	6	3	4	1	2	4	7	6
Net operations, other real estate owned	-	-15	-9	-7	-2	-6	-6	-1	-4	-6	-10	-5	-0	4
Amortization of Intangible Assets	5	5	5	5	2	1	0	0	-	-	-	-	-	-
Advertising	8	6	7	7	8	8	8	8	8	8	4	4	5	5
Prepayment Penalty on Securities Sold under Repurchase Agreement	-	-	32	12	11	4	7	6	-	-	-	-	-	-
Software and software maintenance	-	-	-	-	-	-	15	19	18	20	19	18	15	20
Software and software maintenance	-	-	-	-	-	-	15	19	18	20	19	18	15	20
Other	71	68	61	63	62	62	54	57	60	54	50	49	57	52
Other	71	68	61	63	62	62	54	57	60	54	50	49	57	52
Total non-interest expense	340	317	315	293	281	277	290	294	300	310	281	263	270	275
Total non-interest expense	340	317	315	293	281	277	290	294	300	310	281	263	270	275
Income before income taxes	201	191	158	183	230	207	197	222	273	260	212	322	383	524
Provision for income taxes	71	64	51	56	77	70	63	64	57	55	44	68	82	112
Net income	130	127	108	126	153	137	134	157	216	205	167	254	300	412
Earnings Per Share, Basic	1.72	1.69	1.39	1.88	2.29	2.06	2.03	2.38	3.27	3.13	2.63	4.01	4.79	6.63
Earnings Per Share, Diluted	1.72	1.69	1.39	1.88	2.28	2.05	2.02	2.36	3.24	3.12	2.62	4	4.78	6.62
Loans, including fees	314	293	269	263	282	297	298	323	375	414	378	359	402	620
Taxable	135	114	95	87	100	88	80	82	81	72	46	34	75	132
Tax-exempt	7	10	12	13	12	11	10	10	8	5	2	1	3	6
Other interest income	2	2	1	0	0	0	0	1	1	1	1	3	46	42
Total interest income	459	418	376	363	394	397	388	415	466	492	427	398	526	800
Savings deposits	-	8	-	-	-	-	5	6	13	16	6	4	13	60
Time deposits	47	32	24	15	12	11	10	10	13	21	19	12	11	53
Securities sold under repurchase agreements	44	42	38	29	25	24	21	7	2	2	1	1	2	15
Other borrowings	-	-	-	-	-	-	-	-	-	12	9	8	7	0
Junior subordinated deferrable interest debentures	12	11	7	5	4	4	5	5	7	6	4	3	5	8
Total interest expense	114	94	74	55	47	44	43	39	53	59	39	27	38	137
Net interest income	345	324	301	309	347	352	345	376	413	434	388	371	488	664
Credit loss expense	-	-	-	-	-	-	-	-	-	-	45	8	22	35
Net interest income after provision for credit losses	322	307	273	286	333	328	325	365	407	415	343	363	466	629
Service charges	459	418	376	363	394	397	388	415	466	492	427	398	526	800
Investment securities transactions, net	-	-	-	-	-	-	-	-	-0	-0	-0	-0	-	-0
Banking	48	51	39	41	44	45	46	45	-	-	-	-	-	-
Non-banking	-	-	-	-	-	-	7	7	-	-	-	-	-	-
Noninterest Income, Other	18	16	13	22	22	17	24	19	20	6	5	69	18	10
Investment securities transactions, net	-	-	-	-	-	-	-	-	-0	-0	-0	-0	-	-0
Other income	12	12	10	12	15	11	14	11	18	18	27	25	33	19
Noninterest Income, Other	18	16	13	22	22	17	24	19	20	6	5	69	18	10
Total non-interest income	219	201	201	190	178	156	162	150	165	155	151	222	187	170
Other income	12	12	10	12	15	11	14	11	18	18	27	25	33	19
Total non-interest income	219	201	201	190	178	156	162	150	165	155	151	222	187	170
Labor and Related Expense	127	126	118	120	122	125	129	133	139	146	130	123	128	134
Occupancy	37	39	35	32	33	28	27	28	29	29	25	26	26	26
Depreciation, Nonproduction	-	35	27	26	24	25	25	25	26	28	28	25	22	22
Professional fees	16	13	14	13	11	12	14	14	13	18	13	8	11	14
Deposit insurance assessments	10	9	8	7	6	6	6	3	4	1	2	4	7	6
Net operations, other real estate owned	-	-15	-9	-7	-2	-6	-6	-1	-4	-6	-10	-5	-0	4
Amortization of Intangible Assets	5	5	5	5	2	1	0	0	-	-	-	-	-	-
Advertising	8	6	7	7	8	8	8	8	8	8	4	4	5	5
Prepayment Penalty on Securities Sold under Repurchase Agreement	-	-	32	12	11	4	7	6	-	-	-	-	-	-
Software and software maintenance	-	-	-	-	-	-	15	19	18	20	19	18	15	20
Software and software maintenance	-	-	-	-	-	-	15	19	18	20	19	18	15	20
Other	71	68	61	63	62	62	54	57	60	54	50	49	57	52
Other	71	68	61	63	62	62	54	57	60	54	50	49	57	52
Total non-interest expense	340	317	315	293	281	277	290	294	300	310	281	263	270	275
Total non-interest expense	340	317	315	293	281	277	290	294	300	310	281	263	270	275
Income before income taxes	201	191	158	183	230	207	197	222	273	260	212	322	383	524
Provision for income taxes	71	64	51	56	77	70	63	64	57	55	44	68	82	112
Net income	130	127	108	126	153	137	134	157	216	205	167	254	300	412
Earnings Per Share, Basic	1.72	1.69	1.39	1.88	2.29	2.06	2.03	2.38	3.27	3.13	2.63	4.01	4.79	6.63
Earnings Per Share, Diluted	1.72	1.69	1.39	1.88	2.28	2.05	2.02	2.36	3.24	3.12	2.62	4	4.78	6.62