International Bancshares Corporation (IBOC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 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 | 94.51M | 91.31M |
| NII Growth % | 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% | 2.94% | -12.08% |
| Net Interest Margin % | 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% | 0.6% | 0.6% |
| Interest Income | 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 | 101.19M | 97.98M |
| Interest Expense | 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 | 6.68M | 6.67M |
| Loan Loss Provision | 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 | 2.8M | 1.14M |
| Non-Interest Income | 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 | 47.21M | 97.91M |
| Non-Interest Income % | 16.59% | 17.28% | 16.82% | 15.54% | 14.7% | 18% | 16.45% | 16.79% | 16.61% | 18.15% | 18.19% | 15.99% | 17.66% | 20.77% | 27.34% | 28.29% | 31.09% | 28.85% | 31.81% | 49.98% |
| Total Revenue | 257.28M | 270.64M | 272.63M | 261.63M | 251.64M | 262.88M | 266.5M | 259.19M | 254.33M | 256.21M | 249.56M | 235.83M | 228.51M | 220.46M | 199.69M | 152.83M | 139.94M | 142.03M | 148.4M | 195.88M |
| Revenue Growth % | 2.24% | 2.95% | 2.3% | 0.94% | -1.06% | 2.61% | 6.79% | 9.91% | 11.3% | 16.22% | 24.97% | 54.31% | 63.29% | 55.22% | 34.56% | -21.98% | 4.35% | 2.55% | 5.93% | 33.03% |
| Non-Interest Expense | 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 | 69.73M | 69.95M |
| Efficiency Ratio | 29.5% | 28.04% | 29.26% | 29.74% | 29.32% | 27.83% | 28.6% | 28.59% | 27.38% | 26.77% | 28.53% | 28.64% | 29.77% | 28.31% | 37.65% | 44.99% | 45.82% | 43.26% | 46.99% | 35.71% |
| Operating Income | 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 | 69.19M | 118.12M |
| Operating Margin % | 50.29% | 50.54% | 50.07% | 48.14% | 48.13% | 50.84% | 47.64% | 48.18% | 48.45% | 52.98% | 52.51% | 54.2% | 56.42% | 61.19% | 53.14% | 48.19% | 48.56% | 50.1% | 46.62% | 60.3% |
| Operating Income Growth % | 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% | 30.29% | 124.76% |
| Pretax Income | 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 | 69.19M | 118.12M |
| Pretax Margin % | 50.29% | 50.54% | 50.07% | 48.14% | 48.13% | 50.84% | 47.64% | 48.18% | 48.45% | 52.98% | 52.51% | 54.2% | 56.42% | 61.19% | 53.14% | 48.19% | 48.56% | 50.1% | 46.62% | 60.3% |
| Income Tax | 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 | 14.59M | 26.09M |
| Effective Tax Rate % | 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% | 21.09% | 22.09% |
| Net Income | 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 | 54.6M | 92.03M |
| Net Margin % | 39.72% | 39.49% | 39.75% | 38.28% | 38.5% | 43.78% | 37.44% | 37.42% | 38.27% | 41.52% | 41.38% | 42.61% | 44.48% | 47.82% | 41.74% | 37.93% | 38.22% | 39.8% | 36.79% | 46.98% |
| Net Income Growth % | 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% | 27.74% | 121.7% |
| Net Income (Continuing) | 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 | 54.6M | 92.03M |
| EPS (Diluted) | 0.00 | 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 | 0.86 | 1.45 |
| EPS Growth % | -100% | -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% | 28.36% | 123.08% |
| EPS (Basic) | 0.00 | 1.72 | 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 | 0.86 | 1.45 |
| Diluted Shares Outstanding | 0 | 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 | 63.5M | 63.52M |