International Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	691.88	699.87	681.28	620.05	402.18	359.22
Interest Income on Investments	192.92	186.4	184.7	180.11	123.6	38.89
Total Interest Income	884.8	886.27	865.98	800.16	525.78	398.1
Interest Paid on Deposits	176.62	185.84	178.88	113.5	23.84	15.77
Interest Paid on Borrowings	25.49	28.02	30.38	23.17	14.31	11.07
Total Interest Expense	202.1	213.85	209.26	136.66	38.16	26.83
Net Interest Income	682.69	672.42	656.72	663.5	487.63	371.27
Net Interest Income Growth	3.14%	2.39%	-1.02%	36.07%	31.34%	-4.28%
Gain (Loss) on Sale of Investments	6.91	6.91	13.13	9.6	17.54	68.79
Other Non-Interest Income	102.41	88.53	90.08	86.41	96.82	87.33
Total Non-Interest Income	187.19	169.75	176.92	169.94	187.13	222.33
Non-Interest Income Growth	9.57%	-4.05%	4.11%	-9.19%	-15.83%	47.65%
Revenues Before Loan Losses	869.89	842.17	833.64	833.44	674.76	593.6
Provision for Loan Losses	21.29	15.09	31.8	34.58	21.65	7.96
Revenue	848.59	827.08	801.84	798.87	653.11	585.64
Revenue Growth	3.27%	3.15%	0.37%	22.32%	11.52%	18.77%
Salaries and Employee Benefits	157.48	153.24	145.73	134.11	127.27	122.97
Occupancy Expenses	24.82	23.35	22.52	21.94	21.82	25.03
Federal Deposit Insurance	7.38	7.15	6.87	6.29	6.99	4.39
Selling, General & Administrative	70.34	71.31	70.33	65.22	57.25	56.4
Other Non-Interest Expense	56.51	49.28	46.37	51.78	57.01	49.45
Total Non-Interest Expense	316.68	306.72	293.12	275.35	270.47	263.32
EBT Excluding Unusual Items	531.91	520.36	508.72	523.51	382.64	322.33
Pretax Income	531.91	520.36	508.72	523.51	382.64	322.33
Income Tax Expense	112.56	108.07	99.55	111.74	82.41	68.41
Net Income	419.36	412.29	409.17	411.77	300.23	253.92
Net Income to Common	419.36	412.29	409.17	411.77	300.23	253.92
Net Income Growth	-0.27%	0.76%	-0.63%	37.15%	18.24%	51.76%
Basic Shares Outstanding	62	62	62	62	63	63
Diluted Shares Outstanding	62	62	62	62	63	63
Shares Change	-0.03%	-0.07%	0.12%	-0.94%	-1.06%	-0.57%
EPS (Basic)	6.74	6.63	6.58	6.63	4.79	4.01
EPS (Diluted)	6.73	6.62	6.57	6.62	4.78	4.00
EPS Growth	-0.44%	0.76%	-0.76%	38.49%	19.50%	52.67%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.400	1.400	1.320	1.260	1.200	1.150
Dividend Growth	-	6.06%	4.76%	5.00%	4.35%	4.54%
Effective Tax Rate	21.16%	20.77%	19.57%	21.34%	21.54%	21.22%

SEC Filings: 10-K · 10-Q