Call reports 2016
GBC INTERNATIONAL BANK — 2016
What GBC INTERNATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 485,385,000 | 483,061,000 | 485,277,000 | 491,732,000 |
| Total loans | 405,322,000 | 404,871,000 | 403,530,000 | 393,260,000 |
| Allowance for loan losses | 5,266,000 | 5,329,000 | 5,473,000 | 4,889,000 |
| Securities available for sale | 28,125,000 | 37,824,000 | 42,615,000 | 40,341,000 |
| Securities held to maturity | 0 | 1,547,000 | 1,539,000 | 1,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,644,000 | 405,868,000 | 395,697,000 | 402,883,000 |
| Interest-bearing deposits | 357,332,000 | 352,912,000 | 340,355,000 | 346,560,000 |
| Noninterest-bearing deposits | 52,312,000 | 52,956,000 | 55,342,000 | 56,323,000 |
| Equity capital | 53,383,000 | 54,558,000 | 55,120,000 | 54,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,012,000 | 10,137,000 | 14,973,000 | 20,065,000 |
| Interest expense | 699,000 | 1,457,000 | 2,215,000 | 3,046,000 |
| Net interest income | 4,313,000 | 8,680,000 | 12,758,000 | 17,019,000 |
| Noninterest income | 708,000 | 1,233,000 | 1,694,000 | 1,052,000 |
| Noninterest expense | 3,467,000 | 6,973,000 | 10,486,000 | 13,950,000 |
| Provision for loan losses | 0 | 0 | 0 | -750,000 |
| Pretax income | 1,554,000 | 2,940,000 | 3,966,000 | 4,860,000 |
| Income tax | 539,000 | 1,066,000 | 1,442,000 | 1,800,000 |
| Net income | 1,015,000 | 1,874,000 | 2,524,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,884,000 | 52,745,000 | 53,390,000 | 53,926,000 |
| Total capital | 56,919,000 | 57,743,000 | 58,420,000 | 58,860,000 |
| Risk-weighted assets | 362,037,000 | 358,964,000 | 361,454,000 | 354,208,000 |