Depending on what else the router is processing. CPU load is the thing to consider here.
The 3640 has four slots, so theoretically it can have up to 8 T1's and they can all contain voice. But CPU load goes up significantly with a fully loaded 3640 especially if a few of them are data.
As you mentioned each T1 PRI can have 23 bearers. So if you have 4 T1's for example you would be able to handle 102 calls at a time.
Taimoor