Call reports 2003
DELTA TRUST & BANK — 2003
What DELTA TRUST & BANK 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 | 164,151,000 | 168,946,000 | 178,859,000 | 183,500,000 |
| Total loans | 122,109,000 | 127,320,000 | 127,543,000 | 123,107,000 |
| Allowance for loan losses | 1,775,000 | 1,889,000 | 2,183,000 | 2,053,000 |
| Securities available for sale | 22,334,000 | 22,489,000 | 23,438,000 | 29,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,617,000 | 142,074,000 | 152,658,000 | 161,387,000 |
| Interest-bearing deposits | 127,175,000 | 130,354,000 | 137,097,000 | 146,398,000 |
| Noninterest-bearing deposits | 11,442,000 | 11,720,000 | 15,561,000 | 14,989,000 |
| Equity capital | 13,564,000 | 14,871,000 | 14,308,000 | 14,310,000 |
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 | 2,428,000 | 5,084,000 | 7,764,000 | 10,127,000 |
| Interest expense | 896,000 | 1,716,000 | 2,469,000 | 3,229,000 |
| Net interest income | 1,532,000 | 3,368,000 | 5,295,000 | 6,898,000 |
| Noninterest income | 579,000 | 1,312,000 | 2,037,000 | 2,707,000 |
| Noninterest expense | 1,872,000 | 4,023,000 | 6,127,000 | 8,080,000 |
| Provision for loan losses | 135,000 | 285,000 | 1,066,000 | 1,963,000 |
| Pretax income | 119,000 | 441,000 | 234,000 | -342,000 |
| Income tax | 7,000 | 8,000 | 26,000 | -123,000 |
| Net income | 112,000 | 433,000 | 208,000 | -219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,590,000 | 13,858,000 | 13,630,000 | 13,576,000 |
| Total capital | 14,136,000 | 15,440,000 | 15,282,000 | 15,213,000 |
| Risk-weighted assets | 123,419,000 | 126,246,000 | 131,662,000 | 130,520,000 |