Call reports 2003
DELTA BANK, THE — 2003
What DELTA BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 21,605,000 | 20,540,000 | 19,953,000 | 20,442,000 |
| Total loans | 8,720,000 | 8,428,000 | 8,258,000 | 8,776,000 |
| Allowance for loan losses | 72,000 | 77,000 | 82,000 | 88,000 |
| Securities available for sale | 4,710,000 | 5,251,000 | 4,935,000 | 6,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,111,000 | 18,003,000 | 17,430,000 | 18,007,000 |
| Interest-bearing deposits | 15,731,000 | 15,059,000 | 14,816,000 | 14,673,000 |
| Noninterest-bearing deposits | 3,380,000 | 2,944,000 | 2,614,000 | 3,334,000 |
| Equity capital | 2,336,000 | 2,356,000 | 2,369,000 | 2,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 261,000 | 511,000 | 757,000 | 999,000 |
| Interest expense | 110,000 | 208,000 | 300,000 | 384,000 |
| Net interest income | 151,000 | 303,000 | 457,000 | 615,000 |
| Noninterest income | 33,000 | 72,000 | 113,000 | 154,000 |
| Noninterest expense | 125,000 | 257,000 | 386,000 | 573,000 |
| Provision for loan losses | 3,000 | 9,000 | 15,000 | 21,000 |
| Pretax income | 56,000 | 109,000 | 169,000 | 175,000 |
| Income tax | 3,000 | 13,000 | 20,000 | 31,000 |
| Net income | 53,000 | 96,000 | 149,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,226,000 | 2,219,000 | 2,272,000 | 2,200,000 |
| Total capital | 2,298,000 | 2,296,000 | 2,354,000 | 2,288,000 |
| Risk-weighted assets | 21,530,000 | 20,429,000 | 19,908,000 | 20,411,000 |