Call reports 2012
GBC INTERNATIONAL BANK — 2012
What GBC INTERNATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 435,078,000 | 455,446,000 | 452,675,000 | 461,152,000 |
| Total loans | 326,254,000 | 343,561,000 | 338,573,000 | 339,112,000 |
| Allowance for loan losses | 4,622,000 | 4,792,000 | 4,825,000 | 5,748,000 |
| Securities available for sale | 20,699,000 | 19,507,000 | 17,881,000 | 19,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,356,000 | 406,175,000 | 402,230,000 | 409,844,000 |
| Interest-bearing deposits | 343,827,000 | 366,160,000 | 363,259,000 | 367,763,000 |
| Noninterest-bearing deposits | 42,529,000 | 40,015,000 | 38,971,000 | 42,081,000 |
| Equity capital | 42,218,000 | 43,243,000 | 44,448,000 | 44,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,238,000 | 10,486,000 | 15,723,000 | 20,822,000 |
| Interest expense | 633,000 | 1,294,000 | 1,966,000 | 2,604,000 |
| Net interest income | 4,605,000 | 9,192,000 | 13,757,000 | 18,218,000 |
| Noninterest income | 353,000 | 738,000 | 1,100,000 | 1,906,000 |
| Noninterest expense | 3,114,000 | 6,057,000 | 8,935,000 | 12,190,000 |
| Provision for loan losses | 235,000 | 635,000 | 735,000 | 2,000,000 |
| Pretax income | 1,609,000 | 3,238,000 | 5,187,000 | 5,934,000 |
| Income tax | 662,000 | 1,324,000 | 2,124,000 | 2,380,000 |
| Net income | 947,000 | 1,914,000 | 3,063,000 | 3,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,194,000 | 41,245,000 | 42,438,000 | 42,972,000 |
| Total capital | 44,178,000 | 45,380,000 | 46,540,000 | 47,130,000 |
| Risk-weighted assets | 285,536,000 | 297,647,000 | 294,881,000 | 298,652,000 |