Call reports 2003
GBC INTERNATIONAL BANK — 2003
What GBC INTERNATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 132,590,000 | 137,675,000 | 134,646,000 | 139,391,000 |
| Total loans | 99,905,000 | 101,777,000 | 99,885,000 | 106,708,000 |
| Allowance for loan losses | 795,000 | 863,000 | 860,000 | 934,000 |
| Securities available for sale | 17,962,000 | 15,950,000 | 19,750,000 | 20,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,402,000 | 112,673,000 | 109,376,000 | 112,124,000 |
| Interest-bearing deposits | 81,998,000 | 89,245,000 | 85,490,000 | 87,293,000 |
| Noninterest-bearing deposits | 21,404,000 | 23,428,000 | 23,886,000 | 24,831,000 |
| Equity capital | 12,606,000 | 12,896,000 | 12,845,000 | 13,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,235,000 | 4,790,000 | 6,394,000 |
| Interest expense | 370,000 | 751,000 | 1,068,000 | 1,362,000 |
| Net interest income | 1,236,000 | 2,484,000 | 3,722,000 | 5,032,000 |
| Noninterest income | 234,000 | 491,000 | 777,000 | 1,057,000 |
| Noninterest expense | 1,079,000 | 2,155,000 | 3,307,000 | 4,374,000 |
| Provision for loan losses | 22,000 | 38,000 | 37,000 | 109,000 |
| Pretax income | 381,000 | 823,000 | 1,331,000 | 1,792,000 |
| Income tax | 152,000 | 335,000 | 546,000 | 734,000 |
| Net income | 229,000 | 488,000 | 785,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,134,000 | 12,393,000 | 12,690,000 | 12,957,000 |
| Total capital | 13,307,000 | 13,528,000 | 13,822,000 | 14,121,000 |
| Risk-weighted assets | 85,572,000 | 79,972,000 | 77,697,000 | 81,671,000 |