GBC International Bank

GBC International Bank is headquartered in Los Angeles and is the 96^th largest bank in the state of California. It is also the 1,535^th largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 91 employees at 8 locations. GBC International Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics GBC International Bank FDIC Certificate # 22366 BankRate Report View Year Established 1976 Employees 91 Primary Regulator FDIC Assets and Liabilities Assets $435.08 million Loans $321.63 million Deposits $386.36 million Equity Capital $42.22 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $3.92 million Real Estate Owned $1.50 million Historic Data - March 2011 Assets $378.01 million Equity Capital $35.00 million Loan Loss Allowance $3.32 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $4.63 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 0.88% Return on Equity 9.07% Interest Income $5.24 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 GBC International Bank had $5.42 million in non-current loans and owned real-estate with $46.84 million in equity and loan loss allowances on hand to cover it. This gives GBC International Bank a Texas Ratio of 11.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for GBC International Bank decreased significantly from 23.69% as of March 31, 2011 to 11.56% as of March 31, 2012, resulting in a positive change of 51.19%.This indicates that the balance sheet and financial strength for GBC International Bank has improved significantly in recent periods. Deposit Growth In the past year, GBC International Bank has increased its total deposits by $52.66 million, resulting in 15.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth GBC International Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. GBC International Bank has $435.08 million in assets with $46.84 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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