Call reports 2006
GBC INTERNATIONAL BANK — 2006
What GBC INTERNATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 221,661,000 | 224,488,000 | 223,595,000 | 228,168,000 |
| Total loans | 177,804,000 | 172,495,000 | 178,541,000 | 181,363,000 |
| Allowance for loan losses | 1,604,000 | 1,586,000 | 1,611,000 | 1,651,000 |
| Securities available for sale | 27,197,000 | 30,626,000 | 30,801,000 | 32,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,829,000 | 198,145,000 | 200,180,000 | 198,244,000 |
| Interest-bearing deposits | 173,001,000 | 170,900,000 | 174,709,000 | 173,856,000 |
| Noninterest-bearing deposits | 26,828,000 | 27,245,000 | 25,471,000 | 24,388,000 |
| Equity capital | 19,425,000 | 19,938,000 | 20,649,000 | 21,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,864,000 | 7,933,000 | 12,028,000 | 16,277,000 |
| Interest expense | 1,321,000 | 2,801,000 | 4,460,000 | 6,235,000 |
| Net interest income | 2,543,000 | 5,132,000 | 7,568,000 | 10,042,000 |
| Noninterest income | 285,000 | 613,000 | 839,000 | 1,421,000 |
| Noninterest expense | 1,971,000 | 3,868,000 | 5,656,000 | 7,591,000 |
| Provision for loan losses | 82,000 | 143,000 | 183,000 | 270,000 |
| Pretax income | 775,000 | 1,734,000 | 2,568,000 | 3,602,000 |
| Income tax | 316,000 | 708,000 | 1,044,000 | 1,463,000 |
| Net income | 459,000 | 1,026,000 | 1,524,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,756,000 | 18,362,000 | 18,898,000 | 19,554,000 |
| Total capital | 19,950,000 | 20,537,000 | 21,098,000 | 21,777,000 |
| Risk-weighted assets | 152,804,000 | 149,135,000 | 155,307,000 | 157,003,000 |