International Bancshares Balance Sheet

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
Cash & Equivalents	589.32	352.65	651.06	2,088	3,209	1,997
Investment Securities	525.42	519.27	514.51	576.25	350.92	314.83
Mortgage-Backed Securities	4,846	4,835	4,660	4,209	4,169	3,030
Total Investments	5,371	5,354	5,175	4,785	4,520	3,345
Gross Loans	9,401	8,810	8,059	7,431	7,209	7,542
Allowance for Loan Losses	-155.51	-156.54	-157.07	-125.97	-110.37	-109.06
Net Loans	9,245	8,653	7,902	7,305	7,099	7,433
Property, Plant & Equipment	425.6	428.22	437.09	431.61	447.08	479.88
Goodwill	282.53	282.53	282.53	282.53	282.53	282.53
Accrued Interest Receivable	77.46	72.18	65.3	45.79	30.59	37.88
Long-Term Deferred Tax Assets	-	61.56	55.56	98.62	-	-
Other Real Estate Owned & Foreclosed	4.82	28.55	26.96	34.78	40.13	66.27
Other Long-Term Assets	555.28	505.43	471.18	430.32	417.6	388.19
Total Assets	16,551	15,739	15,066	15,501	16,046	14,029
Interest Bearing Deposits	7,877	5,233	4,927	5,269	5,118	4,386
Institutional Deposits	-	2,267	1,867	1,545	1,661	1,620
Non-Interest Bearing Deposits	4,579	4,612	5,031	5,846	5,839	4,716
Total Deposits	12,456	12,112	11,825	12,660	12,618	10,722
Short-Term Borrowings	-	523.15	518.65	419.7	428.24	416.76
Current Portion of Long-Term Debt	664.38	12.17	11.77	11.49	11.44	11.39
Federal Home Loan Bank Debt, Long-Term	10.38	10.54	10.75	10.94	436.14	436.33
Trust Preferred Securities	108.87	108.87	108.87	134.64	134.64	134.64
Long-Term Deferred Tax Liabilities	-	-	-	-	12.4	23.57
Other Long-Term Liabilities	184.29	175.57	143.83	219.93	97.03	106.92
Total Liabilities	13,424	12,942	12,618	13,457	13,738	11,851
Common Stock	96.65	96.62	96.47	96.42	96.35	96.24
Additional Paid-In Capital	160.63	159.33	155.51	154.06	152.14	149.33
Retained Earnings	3,575	3,356	3,029	2,696	2,471	2,290
Treasury Stock	-440.91	-436.37	-435.4	-430.79	-378.74	-378.03
Comprehensive Income & Other	-263.09	-379.05	-397.89	-470.5	-31.98	20.83
Shareholders' Equity	3,128	2,797	2,448	2,045	2,308	2,178
Total Liabilities & Equity	16,551	15,739	15,066	15,501	16,046	14,029
Total Debt	783.63	654.73	650.03	576.78	1,010	999.12
Net Cash (Debt)	-194.31	-302.08	1.03	1,511	2,199	998.12
Net Cash Growth	-	-	-99.93%	-31.28%	120.29%	-
Net Cash Per Share	-3.12	-4.85	0.02	24.06	34.63	15.63
Filing Date Shares Outstanding	62.16	62.22	62.17	62.14	63.38	63.3
Total Common Shares Outstanding	62.16	62.21	62.08	62.14	63.37	63.28
Book Value Per Share	50.32	44.96	39.43	32.90	36.43	34.42
Tangible Book Value	2,845	2,514	2,165	1,762	2,026	1,895
Tangible Book Value Per Share	45.77	40.41	34.88	28.36	31.97	29.95

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