Call reports 2004
DOWNS BANK — 2004
What DOWNS 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 | 15,786,000 | 15,835,000 | 15,335,000 | 15,286,000 |
| Total loans | 7,338,000 | 7,592,000 | 7,250,000 | 6,946,000 |
| Allowance for loan losses | 145,000 | 145,000 | 145,000 | 162,000 |
| Securities available for sale | 4,009,000 | 3,995,000 | 4,117,000 | 4,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,044,000 | 14,196,000 | 13,683,000 | 13,630,000 |
| Interest-bearing deposits | 11,995,000 | 12,119,000 | 11,581,000 | 11,554,000 |
| Noninterest-bearing deposits | 2,049,000 | 2,077,000 | 2,102,000 | 2,076,000 |
| Equity capital | 1,681,000 | 1,578,000 | 1,594,000 | 1,595,000 |
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 | 199,000 | 404,000 | 604,000 | 800,000 |
| Interest expense | 50,000 | 99,000 | 148,000 | 194,000 |
| Net interest income | 149,000 | 305,000 | 456,000 | 606,000 |
| Noninterest income | 30,000 | 51,000 | 58,000 | 71,000 |
| Noninterest expense | 160,000 | 294,000 | 428,000 | 559,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 62,000 | 86,000 | 118,000 |
| Income tax | 0 | 4,000 | 6,000 | 8,000 |
| Net income | 19,000 | 58,000 | 80,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,610,000 | 1,603,000 | 1,581,000 | 1,611,000 |
| Total capital | 1,712,000 | 1,709,000 | 1,681,000 | 1,709,000 |
| Risk-weighted assets | 8,156,000 | 8,441,000 | 7,972,000 | 7,736,000 |
Machine access — free, no API key
Every figure shown here about DOWNS BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.