Call reports 2005
GBC INTERNATIONAL BANK — 2005
What GBC INTERNATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 157,779,000 | 208,881,000 | 211,469,000 | 222,500,000 |
| Total loans | 125,907,000 | 167,540,000 | 167,869,000 | 176,971,000 |
| Allowance for loan losses | 1,055,000 | 1,444,000 | 1,417,000 | 1,535,000 |
| Securities available for sale | 22,430,000 | 24,052,000 | 25,290,000 | 28,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,309,000 | 191,065,000 | 188,666,000 | 200,454,000 |
| Interest-bearing deposits | 102,371,000 | 159,422,000 | 161,126,000 | 172,041,000 |
| Noninterest-bearing deposits | 29,938,000 | 31,643,000 | 27,540,000 | 28,413,000 |
| Equity capital | 14,677,000 | 15,770,000 | 16,116,000 | 19,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 5,237,000 | 8,687,000 | 12,296,000 |
| Interest expense | 553,000 | 1,314,000 | 2,301,000 | 3,424,000 |
| Net interest income | 1,747,000 | 3,923,000 | 6,386,000 | 8,872,000 |
| Noninterest income | 316,000 | 727,000 | 1,005,000 | 1,288,000 |
| Noninterest expense | 1,310,000 | 2,969,000 | 4,930,000 | 6,800,000 |
| Provision for loan losses | 101,000 | 282,000 | 254,000 | 364,000 |
| Pretax income | 652,000 | 1,399,000 | 2,207,000 | 2,996,000 |
| Income tax | 265,000 | 575,000 | 914,000 | 1,238,000 |
| Net income | 387,000 | 824,000 | 1,293,000 | 1,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,615,000 | 13,569,000 | 14,121,000 | 17,254,000 |
| Total capital | 15,826,000 | 15,069,000 | 15,650,000 | 19,361,000 |
| Risk-weighted assets | 103,198,000 | 134,299,000 | 136,280,000 | 149,434,000 |