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Financial Statements — IBOC

Balance Sheet

(in billions USD)
MetricQ2 2026Q1 2026Q3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Cash & Equivalents0.450.590.590.730.590.780.790.910.701.031.203.243.423.452.292.331.97
Net Loans & Leases--------------------7.406.936.916.947.297.287.35
Total Assets17.0216.8316.5516.4616.2715.8915.4915.3614.9114.8515.1316.0916.2716.1415.6815.3114.92
Total Deposits12.7412.6212.4612.4712.4512.1012.0312.0211.9211.9412.2812.8812.9412.8012.2411.8811.48
Total Liabilities13.6513.5413.4213.4413.3713.1412.9112.8812.7112.6612.9814.1414.1713.9913.3813.0312.73
Retained Earnings3.833.743.573.513.413.243.183.092.922.862.762.592.542.492.412.402.31
Total Stockholder Equity3.383.293.133.022.902.752.582.482.192.192.161.952.102.152.292.292.19

Income Statement

(in millions USD) (except per-share rows)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Interest & Dividend Income220.42214.60223.89226.78220.97214.64215.56222.66215.67212.09209.71204.18198.12188.15174.68145.09109.5896.43101.06101.19
Interest Expense------------------48.4845.1836.8531.6722.9615.229.876.686.396.616.68
Net Interest Income171.11165.63171.48172.23167.50161.22160.94167.94164.23163.61164.53167.33166.46165.19159.46135.22102.9090.0594.4594.51
Provision for Credit Losses11.113.025.541.834.403.331.458.608.7712.986.7010.488.828.597.918.533.741.482.822.80
Non-interest Income43.7242.8346.2345.8540.6637.0047.3243.8443.5242.2446.4945.3937.7040.3645.7854.6043.2443.5140.9747.21
Non-interest Expense82.6176.0575.3879.7677.8073.7873.1576.2274.1169.6468.5971.2067.5368.0362.4275.1768.7664.1261.4569.73
Pretax Income121.11129.39136.79136.49125.96121.12133.65126.97124.87123.23135.74131.04127.81128.93134.91106.1273.6567.9671.1569.19
Tax Provision25.3027.2029.9128.1225.8224.2318.5727.2027.8925.9029.3627.7727.3227.2929.5022.7715.6814.4714.6314.59
Net Income95.81102.19106.88108.38100.1496.89115.0899.7796.9897.33106.38103.26100.49101.64105.4183.3657.9753.4956.5354.60
Basic EPS1.541.641.721.741.611.561.851.601.561.571.711.661.621.641.691.340.920.840.900.86
Diluted EPS1.541.641.711.741.611.561.851.601.561.561.711.661.621.631.681.340.920.840.890.86

Cash Flow Statement

(in millions USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Operating Cash Flow94.22120.73139.94115.1595.50140.46114.88116.48107.19135.40132.77113.7285.25142.6999.43121.1388.2979.1067.2358.45
Capital Expenditures5.674.683.952.933.867.38(1.65)6.912.346.548.429.195.604.296.424.236.092.494.321.81
Free Cash Flow*88.56116.05136.00112.2291.63133.09116.53109.57104.85128.85124.35104.5379.65138.4093.02116.9082.2076.6162.9156.64
Investing Cash Flow(349.55)(231.74)(94.86)(193.90)(27.66)(275.28)(382.11)(252.21)(267.12)(83.62)(114.74)(445.46)61.30(568.30)(534.73)(176.60)(253.98)(26.71)465.39(420.59)
Financing Cash Flow120.55160.46(97.92)(63.85)74.62371.62(159.96)123.4143.14206.12(65.58)4.88(316.12)(467.07)(720.81)(117.40)134.22186.57389.30322.58

* Derived from reported values

Dividends Per Share

(USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Dividends Per Share0.000.730.000.700.000.700.000.660.000.660.000.630.000.630.000.000.600.000.550.00