Call reports 2008
FIRST DELTA BANK — 2008
What FIRST DELTA 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 | 47,822,000 | 47,541,000 | 53,903,000 | 51,322,000 |
| Total loans | 18,457,000 | 21,848,000 | 29,172,000 | 21,177,000 |
| Allowance for loan losses | 458,000 | 305,000 | 323,000 | 329,000 |
| Securities available for sale | 21,407,000 | 20,484,000 | 20,039,000 | 21,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,866,000 | 42,225,000 | 46,791,000 | 45,875,000 |
| Interest-bearing deposits | 36,318,000 | 36,406,000 | 40,271,000 | 37,606,000 |
| Noninterest-bearing deposits | 6,548,000 | 5,819,000 | 6,520,000 | 8,269,000 |
| Equity capital | 4,680,000 | 4,449,000 | 4,655,000 | 4,762,000 |
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 | 676,000 | 1,252,000 | 1,993,000 | 2,682,000 |
| Interest expense | 331,000 | 607,000 | 875,000 | 1,133,000 |
| Net interest income | 345,000 | 645,000 | 1,118,000 | 1,549,000 |
| Noninterest income | 98,000 | 201,000 | 316,000 | 521,000 |
| Noninterest expense | 338,000 | 667,000 | 1,014,000 | 1,385,000 |
| Provision for loan losses | 0 | 0 | 23,000 | 29,000 |
| Pretax income | 105,000 | 188,000 | 406,000 | 665,000 |
| Income tax | 24,000 | 49,000 | 74,000 | 242,000 |
| Net income | 81,000 | 139,000 | 332,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,615,000 | 4,674,000 | 4,866,000 | 4,678,000 |
| Total capital | 4,915,000 | 4,979,000 | 5,189,000 | 4,985,000 |
| Risk-weighted assets | 23,865,000 | 25,064,000 | 30,080,000 | 24,519,000 |
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