Call reports 2004
DELTA BANK, THE — 2004
What DELTA BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,273,000 | 19,041,000 | 18,649,000 | 18,677,000 |
| Total loans | 8,102,000 | 8,301,000 | 8,822,000 | 8,977,000 |
| Allowance for loan losses | 78,000 | 84,000 | 88,000 | 92,000 |
| Securities available for sale | 5,188,000 | 5,067,000 | 5,118,000 | 4,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,749,000 | 16,665,000 | 16,146,000 | 16,261,000 |
| Interest-bearing deposits | 13,632,000 | 13,632,000 | 13,246,000 | 13,140,000 |
| Noninterest-bearing deposits | 3,117,000 | 3,033,000 | 2,900,000 | 3,121,000 |
| Equity capital | 2,365,000 | 2,252,000 | 2,359,000 | 2,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 434,000 | 666,000 | 923,000 |
| Interest expense | 71,000 | 136,000 | 200,000 | 267,000 |
| Net interest income | 167,000 | 298,000 | 466,000 | 656,000 |
| Noninterest income | 35,000 | 69,000 | 93,000 | 87,000 |
| Noninterest expense | 122,000 | 265,000 | 364,000 | 524,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 30,000 |
| Pretax income | 74,000 | 90,000 | 177,000 | 198,000 |
| Income tax | 19,000 | 30,000 | 44,000 | 33,000 |
| Net income | 55,000 | 60,000 | 133,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,255,000 | 2,221,000 | 2,294,000 | 2,267,000 |
| Total capital | 2,333,000 | 2,305,000 | 2,382,000 | 2,359,000 |
| Risk-weighted assets | 19,204,000 | 19,097,000 | 18,657,000 | 18,739,000 |