Call reports 2005
DELTA TRUST & BANK — 2005
What DELTA TRUST & BANK 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 | 201,180,000 | 211,724,000 | 204,214,000 | 211,648,000 |
| Total loans | 155,905,000 | 167,255,000 | 160,589,000 | 148,741,000 |
| Allowance for loan losses | 2,536,000 | 2,259,000 | 2,200,000 | 1,695,000 |
| Securities available for sale | 27,107,000 | 26,957,000 | 25,593,000 | 24,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,791,000 | 180,557,000 | 181,123,000 | 188,132,000 |
| Interest-bearing deposits | 154,180,000 | 162,191,000 | 162,164,000 | 164,621,000 |
| Noninterest-bearing deposits | 19,611,000 | 18,366,000 | 18,959,000 | 23,511,000 |
| Equity capital | 17,604,000 | 17,284,000 | 18,248,000 | 18,447,000 |
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 | 2,798,000 | 5,667,000 | 8,754,000 | 11,992,000 |
| Interest expense | 880,000 | 1,959,000 | 3,170,000 | 4,485,000 |
| Net interest income | 1,918,000 | 3,708,000 | 5,584,000 | 7,507,000 |
| Noninterest income | 921,000 | 1,791,000 | 2,581,000 | 3,803,000 |
| Noninterest expense | 2,192,000 | 4,357,000 | 6,369,000 | 8,769,000 |
| Provision for loan losses | 382,000 | 1,379,000 | 1,474,000 | 1,601,000 |
| Pretax income | 198,000 | -316,000 | 237,000 | 855,000 |
| Income tax | 8,000 | 25,000 | 43,000 | 282,000 |
| Net income | 190,000 | -341,000 | 194,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,174,000 | 16,645,000 | 17,704,000 | 18,082,000 |
| Total capital | 19,161,000 | 18,755,000 | 19,743,000 | 19,777,000 |
| Risk-weighted assets | 158,447,000 | 168,636,000 | 162,949,000 | 154,911,000 |