Call reports 2013
GBC INTERNATIONAL BANK — 2013
What GBC INTERNATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 456,651,000 | 439,033,000 | 466,859,000 | 475,769,000 |
| Total loans | 344,493,000 | 361,302,000 | 366,386,000 | 358,421,000 |
| Allowance for loan losses | 5,692,000 | 5,700,000 | 5,678,000 | 5,159,000 |
| Securities available for sale | 25,398,000 | 30,505,000 | 31,103,000 | 33,857,000 |
| Securities held to maturity | 1,497,000 | 1,489,000 | 1,482,000 | 1,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,005,000 | 382,980,000 | 408,392,000 | 417,708,000 |
| Interest-bearing deposits | 357,268,000 | 334,289,000 | 352,965,000 | 368,545,000 |
| Noninterest-bearing deposits | 43,737,000 | 48,691,000 | 55,427,000 | 49,163,000 |
| Equity capital | 45,854,000 | 46,893,000 | 48,095,000 | 49,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,790,000 | 9,861,000 | 14,824,000 | 19,796,000 |
| Interest expense | 562,000 | 1,076,000 | 1,554,000 | 2,047,000 |
| Net interest income | 4,228,000 | 8,785,000 | 13,270,000 | 17,749,000 |
| Noninterest income | 353,000 | 693,000 | 1,254,000 | 2,076,000 |
| Noninterest expense | 2,849,000 | 5,612,000 | 8,711,000 | 12,502,000 |
| Provision for loan losses | 113,000 | 113,000 | 113,000 | 112,000 |
| Pretax income | 1,619,000 | 3,753,000 | 5,700,000 | 7,231,000 |
| Income tax | 660,000 | 1,523,000 | 2,318,000 | 2,832,000 |
| Net income | 959,000 | 2,230,000 | 3,382,000 | 4,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,975,000 | 45,290,000 | 46,485,000 | 47,575,000 |
| Total capital | 48,059,000 | 49,613,000 | 51,001,000 | 51,965,000 |
| Risk-weighted assets | 300,765,000 | 320,156,000 | 335,775,000 | 326,098,000 |