International Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	692.25	681.28	620.05	402.18	359.22	377.58
Interest Income on Investments	185.7	184.7	180.11	123.6	38.89	49.43
Total Interest Income	877.95	865.98	800.16	525.78	398.1	427.01
Interest Paid on Deposits	187.15	178.88	113.5	23.84	15.77	25.59
Interest Paid on Borrowings	28.91	30.38	23.17	14.31	11.07	13.53
Total Interest Expense	216.06	209.26	136.66	38.16	26.83	39.12
Net Interest Income	661.89	656.72	663.5	487.63	371.27	387.89
Net Interest Income Growth (YoY)	0.24%	-1.02%	36.07%	31.34%	-4.28%	-10.58%
Gain (Loss) on Sale of Investments	7.02	13.13	9.6	17.54	68.79	4.92
Other Non-Interest Income	90.23	90.08	86.41	96.82	87.33	83.68
Total Non-Interest Income	170.84	176.92	169.94	187.13	222.33	150.58
Non-Interest Income Growth (YoY)	-2.99%	4.11%	-9.19%	-15.83%	47.65%	-2.74%
Revenues Before Loan Losses	832.72	833.64	833.44	674.76	593.6	538.47
Provision for Loan Losses	11.01	31.8	34.58	21.65	7.96	45.38
Revenue	821.72	801.84	798.87	653.11	585.64	493.09
Revenue Growth (YoY)	2.80%	0.37%	22.32%	11.52%	18.77%	-13.46%
Salaries and Employee Benefits	151.25	145.73	134.11	127.27	122.97	129.3
Occupancy Expenses	22.38	22.52	21.94	21.82	25.03	28.32
Federal Deposit Insurance	7.07	6.87	6.29	6.99	4.39	1.87
Selling, General & Administrative	73.57	70.33	65.22	57.25	56.4	61.72
Other Non-Interest Expense	47.48	46.37	51.78	57.01	49.45	50.32
Total Non-Interest Expense	304.49	293.12	275.35	270.47	263.32	281.33
EBT Excluding Unusual Items	517.22	508.72	523.51	382.64	322.33	211.76
Pretax Income	517.22	508.72	523.51	382.64	322.33	211.76
Income Tax Expense	96.73	99.55	111.74	82.41	68.41	44.44
Net Income	420.49	409.17	411.77	300.23	253.92	167.32
Net Income to Common	420.49	409.17	411.77	300.23	253.92	167.32
Net Income Growth	5.00%	-0.63%	37.15%	18.24%	51.76%	-18.42%
Basic Shares Outstanding	62	62	62	63	63	64
Diluted Shares Outstanding	62	62	62	63	63	64
Shares Change (YoY)	0.01%	0.12%	-0.94%	-1.06%	-0.57%	-2.79%
EPS (Basic)	6.76	6.58	6.63	4.79	4.01	2.63
EPS (Diluted)	6.76	6.57	6.62	4.78	4.00	2.62
EPS Growth	5.13%	-0.76%	38.49%	19.50%	52.67%	-16.03%
Dividend Per Share	1.400	1.320	1.260	1.200	1.150	1.100
Dividend Growth	6.06%	4.76%	5.00%	4.35%	4.54%	4.76%
Effective Tax Rate	18.70%	19.57%	21.34%	21.54%	21.22%	20.99%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.