Call reports 2009
GBC INTERNATIONAL BANK — 2009
What GBC INTERNATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 263,229,000 | 280,239,000 | 297,042,000 | 302,121,000 |
| Total loans | 223,407,000 | 225,297,000 | 245,044,000 | 242,474,000 |
| Allowance for loan losses | 2,165,000 | 2,141,000 | 2,343,000 | 2,423,000 |
| Securities available for sale | 29,153,000 | 33,793,000 | 33,102,000 | 22,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,502,000 | 235,920,000 | 238,755,000 | 268,328,000 |
| Interest-bearing deposits | 206,529,000 | 207,814,000 | 208,285,000 | 242,570,000 |
| Noninterest-bearing deposits | 24,973,000 | 28,106,000 | 30,470,000 | 25,758,000 |
| Equity capital | 25,974,000 | 26,452,000 | 27,496,000 | 27,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,711,000 | 7,561,000 | 11,763,000 | 15,917,000 |
| Interest expense | 1,293,000 | 2,401,000 | 3,382,000 | 4,280,000 |
| Net interest income | 2,418,000 | 5,160,000 | 8,381,000 | 11,637,000 |
| Noninterest income | 371,000 | 715,000 | 1,048,000 | 1,404,000 |
| Noninterest expense | 2,011,000 | 4,122,000 | 6,199,000 | 8,456,000 |
| Provision for loan losses | 735,000 | 985,000 | 1,185,000 | 1,788,000 |
| Pretax income | 341,000 | 1,066,000 | 2,343,000 | 3,264,000 |
| Income tax | 68,000 | 339,000 | 825,000 | 1,111,000 |
| Net income | 273,000 | 727,000 | 1,518,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,399,000 | 24,890,000 | 25,717,000 | 26,388,000 |
| Total capital | 27,064,000 | 27,531,000 | 28,560,000 | 29,311,000 |
| Risk-weighted assets | 215,658,000 | 217,324,000 | 231,058,000 | 231,509,000 |