Creating and deleting files is based on **directory** permissions. Since only Joey has access to the directory no one else can create or delete files in that folder.
To read the file you need to have `r` access to it. To write to the file you need to have `w` access to it. In your case, anyone can read `reportx` and everyone in the group `ta` can modify it. Also, anyone can write to `ourGoal` but only members of ta or joey can read it.