International Bancshares Corporation (IBOC) quarterly income statement — complete revenue, gross profit & net income history
International Bancshares Corporation (IBOC) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 0 | 171.1M | 165.63M | 171.47M | 172.23M | 167.5M | 161.22M | 160.94M | 167.94M | 164.23M | 163.61M | 164.53M | 167.33M | 166.46M | 165.19M | 159.46M | 135.22M | 102.9M | 90.05M | 94.44M |
| NII Growth % | -100% | 2.15% | 2.73% | 6.55% | 2.55% | 1.99% | -1.46% | -2.19% | 0.37% | -1.34% | -0.95% | 3.18% | 23.75% | 61.76% | 83.45% | 68.84% | 43.07% | 12.7% | -1.06% | 5.67% |
| Net Interest Margin % | - | 1.01% | 0.98% | 1.03% | 1.04% | 1.02% | 0.99% | 1.02% | 1.06% | 1.06% | 1.07% | 1.09% | 1.12% | 1.12% | 1.09% | 1.03% | 0.84% | 0.63% | 0.56% | 0.59% |
| Interest Income | 225.89M | 220.41M | 214.6M | 223.89M | 226.78M | 220.97M | 214.64M | 215.56M | 222.66M | 215.67M | 212.09M | 209.71M | 204.18M | 198.12M | 188.15M | 174.68M | 145.09M | 109.58M | 96.43M | 101.06M |
| Interest Expense | 51.41M | 49.31M | 48.97M | 52.41M | 54.55M | 53.47M | 53.42M | 54.63M | 54.72M | 51.44M | 48.48M | 45.18M | 36.85M | 31.67M | 22.96M | 15.22M | 9.87M | 6.68M | 6.39M | 6.61M |
| Loan Loss Provision | -51.41M | 11.11M | 3.02M | 5.54M | 1.83M | 4.4M | 3.33M | 1.45M | 8.6M | 8.77M | 12.98M | 6.7M | 10.48M | 8.82M | 8.59M | 7.91M | 8.53M | 3.73M | 1.48M | 2.82M |
| Non-Interest Income | -225.89M | 43.72M | 42.68M | 46.76M | 45.85M | 40.66M | 37M | 47.32M | 43.84M | 43.52M | 42.24M | 46.49M | 45.38M | 37.7M | 40.36M | 45.78M | 54.6M | 43.24M | 43.51M | 40.97M |
| Non-Interest Income % | 100% | 20.35% | 20.49% | 21.42% | 21.02% | 19.53% | 18.67% | 22.72% | 20.7% | 20.95% | 20.52% | 22.03% | 21.34% | 18.47% | 19.64% | 22.3% | 28.77% | 29.59% | 32.58% | 30.26% |
| Total Net Revenue | -225.89M | 214.82M | 208.31M | 218.23M | 218.08M | 208.16M | 198.22M | 208.26M | 211.78M | 207.75M | 205.85M | 211.03M | 212.71M | 204.16M | 205.55M | 205.24M | 189.82M | 146.14M | 133.56M | 135.42M |
| Revenue Growth % | -203.58% | 3.2% | 5.09% | 4.79% | 2.97% | 0.2% | -3.71% | -1.31% | -0.44% | 1.76% | 0.15% | 2.82% | 12.06% | 39.7% | 53.9% | 51.56% | 33.94% | -22.76% | 4.96% | 3.28% |
| Non-Interest Expense | 0 | 82.61M | 75.9M | 75.9M | 79.76M | 77.8M | 73.78M | 73.15M | 76.22M | 74.11M | 69.64M | 68.59M | 71.2M | 67.53M | 68.03M | 62.42M | 75.17M | 68.76M | 64.12M | 61.45M |
| Efficiency Ratio | 0% | 38.45% | 36.44% | 34.78% | 36.57% | 37.38% | 37.22% | 35.13% | 35.99% | 35.67% | 33.83% | 32.5% | 33.47% | 33.08% | 33.1% | 30.41% | 39.6% | 47.05% | 48.01% | 45.38% |
| Operating Income | 0 | 121.11M | 129.39M | 136.79M | 136.49M | 125.96M | 121.12M | 133.65M | 126.97M | 124.87M | 123.23M | 135.74M | 131.04M | 127.81M | 128.93M | 134.91M | 106.12M | 73.65M | 67.96M | 71.15M |
| Operating Margin % | 0% | 56.38% | 62.11% | 62.68% | 62.59% | 60.51% | 61.1% | 64.18% | 59.95% | 60.11% | 59.86% | 64.32% | 61.6% | 62.6% | 62.73% | 65.73% | 55.91% | 50.4% | 50.88% | 52.54% |
| Operating Income Growth % | -100% | -3.85% | 6.83% | 2.35% | 7.5% | 0.87% | -1.71% | -1.54% | -3.11% | -2.3% | -4.42% | 0.62% | 23.48% | 73.53% | 89.72% | 89.61% | 53.37% | -37.64% | 6.4% | 14.87% |
| Pretax Income | 114.47M | 121.11M | 129.39M | 136.79M | 136.49M | 125.96M | 121.12M | 133.65M | 126.97M | 124.87M | 123.23M | 135.74M | 131.04M | 127.81M | 128.93M | 134.91M | 106.12M | 73.65M | 67.96M | 71.15M |
| Pretax Margin % | -50.68% | 56.38% | 62.11% | 62.68% | 62.59% | 60.51% | 61.1% | 64.18% | 59.95% | 60.11% | 59.86% | 64.32% | 61.6% | 62.6% | 62.73% | 65.73% | 55.91% | 50.4% | 50.88% | 52.54% |
| Income Tax | 0 | 25.3M | 27.2M | 29.91M | 28.12M | 25.82M | 24.23M | 18.57M | 27.2M | 27.89M | 25.9M | 29.36M | 27.77M | 27.32M | 27.29M | 29.5M | 22.77M | 15.68M | 14.47M | 14.63M |
| Effective Tax Rate % | 0% | 20.89% | 21.02% | 21.86% | 20.6% | 20.5% | 20% | 13.89% | 21.42% | 22.34% | 21.02% | 21.63% | 21.19% | 21.38% | 21.16% | 21.86% | 21.45% | 21.29% | 21.29% | 20.55% |
| Net Income | 114.47M | 95.81M | 102.19M | 106.88M | 108.38M | 100.14M | 96.89M | 115.08M | 99.77M | 96.98M | 97.33M | 106.38M | 103.26M | 100.48M | 101.64M | 105.41M | 83.36M | 57.97M | 53.49M | 56.53M |
| Net Margin % | -50.68% | 44.6% | 49.05% | 48.98% | 49.69% | 48.11% | 48.88% | 55.26% | 47.11% | 46.68% | 47.28% | 50.41% | 48.55% | 49.22% | 49.45% | 51.36% | 43.91% | 39.67% | 40.05% | 41.74% |
| Net Income Growth % | 5.63% | -4.32% | 5.46% | -7.13% | 8.62% | 3.26% | -0.45% | 8.19% | -3.38% | -3.49% | -4.24% | 0.91% | 23.88% | 73.34% | 90.01% | 86.48% | 52.67% | -37.01% | 5.36% | 17.2% |
| Net Income (Continuing) | 0 | 95.81M | 102.19M | 106.88M | 108.38M | 100.14M | 96.89M | 115.08M | 99.77M | 96.98M | 97.33M | 106.38M | 103.26M | 100.48M | 101.64M | 105.41M | 83.36M | 57.97M | 53.49M | 56.53M |
| EPS (Diluted) | 0.00 | 1.54 | 1.64 | 1.71 | 1.74 | 1.61 | 1.56 | 1.85 | 1.60 | 1.56 | 1.56 | 1.71 | 1.66 | 1.62 | 1.63 | 1.68 | 1.34 | 0.92 | 0.84 | 0.89 |
| EPS Growth % | -100% | -4.35% | 5.13% | -7.57% | 8.75% | 3.21% | 0% | 8.19% | -3.61% | -3.7% | -4.29% | 1.79% | 23.88% | 76.09% | 94.05% | 88.76% | 55.81% | -36.55% | 5% | 17.11% |
| EPS (Basic) | 0.00 | 1.54 | 1.64 | 1.71 | 1.74 | 1.61 | 1.56 | 1.85 | 1.60 | 1.56 | 1.57 | 1.71 | 1.66 | 1.62 | 1.64 | 1.70 | 1.34 | 0.92 | 0.84 | 0.89 |
| Diluted Shares Outstanding | 0 | 62.26M | 62.25M | 62.25M | 62.23M | 62.23M | 62.3M | 62.32M | 62.29M | 62.29M | 62.27M | 62.2M | 62.65M | 62.2M | 62.28M | 62.74M | 62.37M | 63.09M | 63.5M | 63.37M |