Call reports 2007
GBC INTERNATIONAL BANK — 2007
What GBC INTERNATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 232,555,000 | 240,528,000 | 246,328,000 | 240,618,000 |
| Total loans | 182,074,000 | 191,760,000 | 197,197,000 | 202,804,000 |
| Allowance for loan losses | 1,623,000 | 1,697,000 | 1,765,000 | 1,773,000 |
| Securities available for sale | 32,290,000 | 28,667,000 | 30,842,000 | 26,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,897,000 | 212,626,000 | 216,815,000 | 202,450,000 |
| Interest-bearing deposits | 181,328,000 | 188,793,000 | 193,007,000 | 176,480,000 |
| Noninterest-bearing deposits | 23,569,000 | 23,833,000 | 23,808,000 | 25,970,000 |
| Equity capital | 21,712,000 | 22,148,000 | 22,844,000 | 23,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,159,000 | 8,603,000 | 13,270,000 | 17,618,000 |
| Interest expense | 1,825,000 | 3,822,000 | 5,962,000 | 7,957,000 |
| Net interest income | 2,334,000 | 4,781,000 | 7,308,000 | 9,661,000 |
| Noninterest income | 207,000 | 417,000 | 638,000 | 1,899,000 |
| Noninterest expense | 1,913,000 | 3,695,000 | 5,505,000 | 7,817,000 |
| Provision for loan losses | 15,000 | 159,000 | 269,000 | 469,000 |
| Pretax income | 613,000 | 1,344,000 | 2,172,000 | 3,274,000 |
| Income tax | 249,000 | 418,000 | 721,000 | 1,135,000 |
| Net income | 364,000 | 926,000 | 1,451,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,958,000 | 20,561,000 | 21,119,000 | 21,843,000 |
| Total capital | 22,155,000 | 22,758,000 | 23,384,000 | 24,116,000 |
| Risk-weighted assets | 168,054,000 | 180,165,000 | 189,106,000 | 195,611,000 |