Call reports 2008
GBC INTERNATIONAL BANK — 2008
What GBC INTERNATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 241,310,000 | 259,184,000 | 252,745,000 | 265,408,000 |
| Total loans | 203,986,000 | 217,189,000 | 219,286,000 | 224,661,000 |
| Allowance for loan losses | 1,858,000 | 1,963,000 | 1,993,000 | 2,075,000 |
| Securities available for sale | 25,855,000 | 25,296,000 | 23,713,000 | 22,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,042,000 | 203,365,000 | 203,643,000 | 205,553,000 |
| Interest-bearing deposits | 167,722,000 | 175,443,000 | 176,633,000 | 181,385,000 |
| Noninterest-bearing deposits | 24,320,000 | 27,922,000 | 27,010,000 | 24,168,000 |
| Equity capital | 24,183,000 | 24,504,000 | 25,237,000 | 25,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,337,000 | 8,426,000 | 12,657,000 | 16,681,000 |
| Interest expense | 1,789,000 | 3,307,000 | 4,711,000 | 6,093,000 |
| Net interest income | 2,548,000 | 5,119,000 | 7,946,000 | 10,588,000 |
| Noninterest income | 284,000 | 643,000 | 974,000 | 1,283,000 |
| Noninterest expense | 1,827,000 | 3,662,000 | 5,605,000 | 7,702,000 |
| Provision for loan losses | 385,000 | 555,000 | 585,000 | 840,000 |
| Pretax income | 620,000 | 1,545,000 | 2,730,000 | 3,329,000 |
| Income tax | 230,000 | 578,000 | 1,041,000 | 1,228,000 |
| Net income | 390,000 | 967,000 | 1,689,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,270,000 | 22,884,000 | 23,641,000 | 24,091,000 |
| Total capital | 24,628,000 | 25,347,000 | 26,134,000 | 26,666,000 |
| Risk-weighted assets | 196,819,000 | 207,278,000 | 209,419,000 | 212,367,000 |