Call reports 2007
DELTA TRUST & BANK — 2007
What DELTA TRUST & BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 217,192,000 | 217,391,000 | 220,292,000 | 216,177,000 |
| Total loans | 158,916,000 | 171,768,000 | 171,613,000 | 162,150,000 |
| Allowance for loan losses | 1,810,000 | 1,874,000 | 1,924,000 | 1,911,000 |
| Securities available for sale | 28,520,000 | 27,512,000 | 28,627,000 | 29,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,665,000 | 195,752,000 | 195,777,000 | 193,968,000 |
| Interest-bearing deposits | 172,925,000 | 174,945,000 | 172,642,000 | 171,627,000 |
| Noninterest-bearing deposits | 20,739,000 | 20,807,000 | 23,135,000 | 22,341,000 |
| Equity capital | 19,624,000 | 19,622,000 | 20,103,000 | 20,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,687,000 | 7,583,000 | 11,532,000 | 15,286,000 |
| Interest expense | 1,928,000 | 3,883,000 | 5,803,000 | 7,593,000 |
| Net interest income | 1,759,000 | 3,700,000 | 5,729,000 | 7,693,000 |
| Noninterest income | 1,001,000 | 1,986,000 | 3,079,000 | 4,207,000 |
| Noninterest expense | 2,366,000 | 4,623,000 | 6,986,000 | 9,523,000 |
| Provision for loan losses | 108,000 | 316,000 | 520,000 | 854,000 |
| Pretax income | 286,000 | 747,000 | 1,302,000 | 1,527,000 |
| Income tax | 100,000 | 247,000 | 490,000 | 521,000 |
| Net income | 186,000 | 500,000 | 812,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,173,000 | 19,495,000 | 19,814,000 | 19,844,000 |
| Total capital | 20,983,000 | 21,369,000 | 21,738,000 | 21,755,000 |
| Risk-weighted assets | 166,945,000 | 178,030,000 | 180,278,000 | 171,439,000 |