Call reports 2008
DELTA TRUST & BANK — 2008
What DELTA TRUST & BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 218,669,000 | 241,289,000 | 236,220,000 | 242,810,000 |
| Total loans | 171,082,000 | 186,705,000 | 185,189,000 | 181,828,000 |
| Allowance for loan losses | 2,013,000 | 1,928,000 | 2,101,000 | 2,007,000 |
| Securities available for sale | 27,946,000 | 29,248,000 | 29,128,000 | 30,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,682,000 | 219,069,000 | 213,224,000 | 220,757,000 |
| Interest-bearing deposits | 171,943,000 | 193,945,000 | 194,026,000 | 189,565,000 |
| Noninterest-bearing deposits | 20,739,000 | 25,124,000 | 19,198,000 | 31,192,000 |
| Equity capital | 20,761,000 | 21,056,000 | 20,591,000 | 20,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,476,000 | 6,966,000 | 10,611,000 | 13,916,000 |
| Interest expense | 1,476,000 | 2,759,000 | 4,079,000 | 5,308,000 |
| Net interest income | 2,000,000 | 4,207,000 | 6,532,000 | 8,608,000 |
| Noninterest income | 1,138,000 | 2,200,000 | 3,012,000 | 4,045,000 |
| Noninterest expense | 2,467,000 | 4,815,000 | 7,300,000 | 9,787,000 |
| Provision for loan losses | 254,000 | 532,000 | 804,000 | 1,364,000 |
| Pretax income | 438,000 | 1,094,000 | 1,360,000 | 1,363,000 |
| Income tax | 159,000 | 406,000 | 501,000 | 515,000 |
| Net income | 279,000 | 688,000 | 859,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,075,000 | 20,489,000 | 20,667,000 | 20,478,000 |
| Total capital | 22,088,000 | 22,417,000 | 22,768,000 | 22,485,000 |
| Risk-weighted assets | 178,324,000 | 195,058,000 | 194,581,000 | 193,453,000 |