Call reports 2004
GBC INTERNATIONAL BANK — 2004
What GBC INTERNATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 138,833,000 | 143,722,000 | 151,189,000 | 151,642,000 |
| Total loans | 108,967,000 | 107,438,000 | 112,313,000 | 118,196,000 |
| Allowance for loan losses | 978,000 | 886,000 | 934,000 | 965,000 |
| Securities available for sale | 16,344,000 | 21,505,000 | 20,360,000 | 23,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,687,000 | 118,098,000 | 126,860,000 | 128,657,000 |
| Interest-bearing deposits | 89,942,000 | 91,947,000 | 101,287,000 | 101,814,000 |
| Noninterest-bearing deposits | 25,745,000 | 26,151,000 | 25,573,000 | 26,843,000 |
| Equity capital | 13,646,000 | 13,612,000 | 14,127,000 | 14,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,433,000 | 5,337,000 | 7,474,000 |
| Interest expense | 305,000 | 617,000 | 1,002,000 | 1,463,000 |
| Net interest income | 1,419,000 | 2,816,000 | 4,335,000 | 6,011,000 |
| Noninterest income | 293,000 | 659,000 | 908,000 | 1,156,000 |
| Noninterest expense | 1,219,000 | 2,390,000 | 3,543,000 | 4,826,000 |
| Provision for loan losses | 0 | 71,000 | 132,000 | 207,000 |
| Pretax income | 501,000 | 1,022,000 | 1,576,000 | 2,142,000 |
| Income tax | 204,000 | 409,000 | 634,000 | 844,000 |
| Net income | 297,000 | 613,000 | 942,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,250,000 | 13,552,000 | 13,880,000 | 14,236,000 |
| Total capital | 14,470,000 | 14,591,000 | 14,971,000 | 15,368,000 |
| Risk-weighted assets | 85,846,000 | 86,219,000 | 89,571,000 | 96,345,000 |