Call reports 2020
GBC INTERNATIONAL BANK — 2020
What GBC INTERNATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 623,422,000 | 701,570,000 | 705,121,000 | 706,055,000 |
| Total loans | 496,613,000 | 594,033,000 | 596,575,000 | 570,080,000 |
| Allowance for loan losses | 4,994,000 | 5,344,000 | 6,006,000 | 5,962,000 |
| Securities available for sale | 21,680,000 | 6,014,000 | 3,596,000 | 2,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,722,000 | 584,036,000 | 578,709,000 | 567,509,000 |
| Interest-bearing deposits | 468,430,000 | 484,914,000 | 501,408,000 | 490,334,000 |
| Noninterest-bearing deposits | 51,292,000 | 99,122,000 | 77,301,000 | 77,175,000 |
| Equity capital | 66,623,000 | 68,669,000 | 70,077,000 | 71,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,103,000 | 14,186,000 | 21,435,000 | 28,175,000 |
| Interest expense | 2,169,000 | 4,008,000 | 5,745,000 | 7,189,000 |
| Net interest income | 4,934,000 | 10,178,000 | 15,690,000 | 20,986,000 |
| Noninterest income | 406,000 | 887,000 | 1,787,000 | 2,464,000 |
| Noninterest expense | 3,626,000 | 6,295,000 | 9,927,000 | 13,481,000 |
| Provision for loan losses | 400,000 | 750,000 | 1,500,000 | 1,500,000 |
| Pretax income | 1,318,000 | 4,386,000 | 6,480,000 | 8,899,000 |
| Income tax | 405,000 | 1,325,000 | 1,964,000 | 2,710,000 |
| Net income | 913,000 | 3,061,000 | 4,516,000 | 6,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,959,000 | 67,139,000 | 68,530,000 | 70,243,000 |