Call reports 2007
FIRST DELTA BANK — 2007
What FIRST DELTA 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 | 46,899,000 | 48,686,000 | 51,195,000 | 51,602,000 |
| Total loans | 20,768,000 | 23,859,000 | 24,939,000 | 20,116,000 |
| Allowance for loan losses | 424,000 | 425,000 | 461,000 | 459,000 |
| Securities available for sale | 23,346,000 | 21,830,000 | 21,147,000 | 25,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,899,000 | 40,441,000 | 44,904,000 | 46,458,000 |
| Interest-bearing deposits | 34,250,000 | 34,113,000 | 38,105,000 | 38,761,000 |
| Noninterest-bearing deposits | 7,649,000 | 6,328,000 | 6,799,000 | 7,697,000 |
| Equity capital | 4,329,000 | 4,248,000 | 4,485,000 | 4,499,000 |
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 | 675,000 | 1,365,000 | 2,138,000 | 2,904,000 |
| Interest expense | 341,000 | 699,000 | 1,113,000 | 1,508,000 |
| Net interest income | 334,000 | 666,000 | 1,025,000 | 1,396,000 |
| Noninterest income | 89,000 | 183,000 | 292,000 | 403,000 |
| Noninterest expense | 335,000 | 665,000 | 1,009,000 | 1,369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 182,000 | 306,000 | 428,000 |
| Income tax | 27,000 | 42,000 | 63,000 | 53,000 |
| Net income | 63,000 | 140,000 | 243,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,502,000 | 4,580,000 | 4,683,000 | 4,534,000 |
| Total capital | 4,796,000 | 4,925,000 | 5,039,000 | 4,835,000 |
| Risk-weighted assets | 25,563,000 | 27,552,000 | 28,385,000 | 23,914,000 |
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