Call reports 2019
GBC INTERNATIONAL BANK — 2019
What GBC INTERNATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 551,917,000 | 570,658,000 | 582,551,000 | 608,625,000 |
| Total loans | 464,006,000 | 480,813,000 | 500,422,000 | 506,467,000 |
| Allowance for loan losses | 4,326,000 | 4,307,000 | 4,329,000 | 4,539,000 |
| Securities available for sale | 50,195,000 | 46,266,000 | 40,686,000 | 22,864,000 |
| Securities held to maturity | 1,113,000 | 1,106,000 | 1,100,000 | 1,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,591,000 | 447,865,000 | 472,744,000 | 490,049,000 |
| Interest-bearing deposits | 376,183,000 | 405,420,000 | 424,975,000 | 443,080,000 |
| Noninterest-bearing deposits | 44,408,000 | 42,445,000 | 47,769,000 | 46,969,000 |
| Equity capital | 60,931,000 | 62,502,000 | 64,361,000 | 65,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,388,000 | 13,118,000 | 20,393,000 | 27,944,000 |
| Interest expense | 1,939,000 | 4,081,000 | 6,314,000 | 8,531,000 |
| Net interest income | 4,449,000 | 9,037,000 | 14,079,000 | 19,413,000 |
| Noninterest income | 280,000 | 707,000 | 1,176,000 | 1,463,000 |
| Noninterest expense | 3,509,000 | 6,966,000 | 10,343,000 | 13,894,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,202,000 | 2,760,000 | 4,894,000 | 7,249,000 |
| Income tax | 322,000 | 744,000 | 1,335,000 | 1,990,000 |
| Net income | 880,000 | 2,016,000 | 3,559,000 | 5,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,691,000 | 60,861,000 | 62,395,000 | 64,044,000 |
| Total capital | 64,587,000 | 65,738,000 | 67,294,000 | 69,118,000 |
| Risk-weighted assets | 428,470,000 | 444,987,000 | 466,758,000 | 476,274,000 |