Call reports 2015
GBC INTERNATIONAL BANK — 2015
What GBC INTERNATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 485,022,000 | 490,101,000 | 491,507,000 | 493,500,000 |
| Total loans | 401,132,000 | 412,741,000 | 414,738,000 | 414,090,000 |
| Allowance for loan losses | 5,176,000 | 5,227,000 | 5,314,000 | 5,056,000 |
| Securities available for sale | 43,589,000 | 43,006,000 | 41,013,000 | 19,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,638,000 | 411,400,000 | 414,123,000 | 404,311,000 |
| Interest-bearing deposits | 363,376,000 | 358,195,000 | 363,976,000 | 350,110,000 |
| Noninterest-bearing deposits | 53,262,000 | 53,205,000 | 50,147,000 | 54,201,000 |
| Equity capital | 55,566,000 | 56,575,000 | 57,704,000 | 57,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,113,000 | 10,439,000 | 15,813,000 | 20,495,000 |
| Interest expense | 549,000 | 1,097,000 | 1,680,000 | 2,296,000 |
| Net interest income | 4,564,000 | 9,342,000 | 14,133,000 | 18,199,000 |
| Noninterest income | 531,000 | 1,640,000 | 2,057,000 | 2,604,000 |
| Noninterest expense | 3,585,000 | 7,381,000 | 10,936,000 | 14,221,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 2,000,000 |
| Pretax income | 1,510,000 | 3,601,000 | 5,085,000 | 5,473,000 |
| Income tax | 550,000 | 1,385,000 | 1,943,000 | 2,052,000 |
| Net income | 960,000 | 2,216,000 | 3,142,000 | 3,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,445,000 | 54,693,000 | 55,616,000 | 56,010,000 |
| Total capital | 58,185,000 | 59,607,000 | 60,857,000 | 61,137,000 |
| Risk-weighted assets | 338,303,000 | 352,316,000 | 378,687,000 | 369,735,000 |