Call reports 2014
GBC INTERNATIONAL BANK — 2014
What GBC INTERNATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 483,963,000 | 481,708,000 | 479,049,000 | 485,261,000 |
| Total loans | 360,642,000 | 372,431,000 | 381,962,000 | 393,724,000 |
| Allowance for loan losses | 5,253,000 | 5,267,000 | 5,173,000 | 4,975,000 |
| Securities available for sale | 39,938,000 | 45,312,000 | 47,411,000 | 45,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,974,000 | 421,178,000 | 416,678,000 | 417,668,000 |
| Interest-bearing deposits | 371,742,000 | 356,722,000 | 355,759,000 | 364,384,000 |
| Noninterest-bearing deposits | 53,232,000 | 64,456,000 | 60,919,000 | 53,284,000 |
| Equity capital | 50,119,000 | 51,589,000 | 53,167,000 | 54,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,891,000 | 9,927,000 | 15,151,000 | 20,466,000 |
| Interest expense | 526,000 | 1,057,000 | 1,587,000 | 2,108,000 |
| Net interest income | 4,365,000 | 8,870,000 | 13,564,000 | 18,358,000 |
| Noninterest income | 701,000 | 1,585,000 | 2,590,000 | 3,112,000 |
| Noninterest expense | 3,329,000 | 6,778,000 | 10,162,000 | 13,600,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,628,000 | 3,568,000 | 5,883,000 | 7,761,000 |
| Income tax | 631,000 | 1,322,000 | 2,205,000 | 2,912,000 |
| Net income | 997,000 | 2,246,000 | 3,678,000 | 4,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,442,000 | 49,660,000 | 51,024,000 | 52,209,000 |
| Total capital | 52,738,000 | 54,000,000 | 55,393,000 | 56,709,000 |
| Risk-weighted assets | 326,544,000 | 330,039,000 | 332,571,000 | 343,274,000 |