Call reports 2005
DELTA BANK, THE — 2005
What DELTA BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,314,000 | 18,491,000 | 18,315,000 | 18,047,000 |
| Total loans | 9,165,000 | 9,374,000 | 9,400,000 | 9,252,000 |
| Allowance for loan losses | 97,000 | 93,000 | 93,000 | 93,000 |
| Securities available for sale | 5,310,000 | 5,331,000 | 4,697,000 | 4,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,913,000 | 16,060,000 | 15,783,000 | 15,535,000 |
| Interest-bearing deposits | 13,101,000 | 12,666,000 | 12,389,000 | 12,473,000 |
| Noninterest-bearing deposits | 2,812,000 | 3,394,000 | 3,394,000 | 3,062,000 |
| Equity capital | 2,332,000 | 2,321,000 | 2,389,000 | 2,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 494,000 | 751,000 | 1,015,000 |
| Interest expense | 68,000 | 139,000 | 212,000 | 289,000 |
| Net interest income | 174,000 | 355,000 | 539,000 | 726,000 |
| Noninterest income | 37,000 | 75,000 | 122,000 | 160,000 |
| Noninterest expense | 114,000 | 225,000 | 342,000 | 498,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 91,000 | 199,000 | 313,000 | 382,000 |
| Income tax | 20,000 | 52,000 | 86,000 | 112,000 |
| Net income | 71,000 | 147,000 | 227,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,338,000 | 2,313,000 | 2,386,000 | 2,355,000 |
| Total capital | 2,425,000 | 2,406,000 | 2,479,000 | 2,448,000 |
| Risk-weighted assets | 18,412,000 | 18,582,000 | 18,413,000 | 18,150,000 |