Call reports 2004
DELTA TRUST & BANK — 2004
What DELTA TRUST & BANK 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 | 181,324,000 | 185,509,000 | 197,437,000 | 197,091,000 |
| Total loans | 129,145,000 | 134,323,000 | 140,814,000 | 147,719,000 |
| Allowance for loan losses | 2,243,000 | 2,287,000 | 2,627,000 | 2,292,000 |
| Securities available for sale | 29,561,000 | 29,209,000 | 29,597,000 | 28,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,021,000 | 153,602,000 | 168,750,000 | 173,326,000 |
| Interest-bearing deposits | 141,435,000 | 134,133,000 | 148,809,000 | 152,672,000 |
| Noninterest-bearing deposits | 16,586,000 | 19,469,000 | 19,941,000 | 20,654,000 |
| Equity capital | 15,489,000 | 17,248,000 | 18,061,000 | 17,655,000 |
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 | 2,266,000 | 4,785,000 | 7,409,000 | 10,210,000 |
| Interest expense | 669,000 | 1,297,000 | 1,951,000 | 2,764,000 |
| Net interest income | 1,597,000 | 3,488,000 | 5,458,000 | 7,446,000 |
| Noninterest income | 751,000 | 1,473,000 | 2,306,000 | 3,102,000 |
| Noninterest expense | 2,202,000 | 4,358,000 | 6,445,000 | 8,801,000 |
| Provision for loan losses | 316,000 | 416,000 | 866,000 | 1,421,000 |
| Pretax income | -138,000 | 228,000 | 509,000 | 374,000 |
| Income tax | 21,000 | 26,000 | 33,000 | 238,000 |
| Net income | -159,000 | 202,000 | 476,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,590,000 | 17,037,000 | 17,307,000 | 16,984,000 |
| Total capital | 16,270,000 | 18,778,000 | 19,125,000 | 18,862,000 |
| Risk-weighted assets | 133,803,000 | 138,771,000 | 144,604,000 | 149,814,000 |