Call reports 2005
DOWNS BANK — 2005
What DOWNS 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 | 15,583,000 | 15,134,000 | 14,549,000 | 14,841,000 |
| Total loans | 6,764,000 | 7,116,000 | 7,162,000 | 7,317,000 |
| Allowance for loan losses | 162,000 | 162,000 | 162,000 | 146,000 |
| Securities available for sale | 4,908,000 | 5,036,000 | 4,865,000 | 4,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,004,000 | 13,070,000 | 12,683,000 | 13,317,000 |
| Interest-bearing deposits | 11,972,000 | 11,208,000 | 10,571,000 | 9,051,000 |
| Noninterest-bearing deposits | 2,032,000 | 1,862,000 | 2,112,000 | 4,266,000 |
| Equity capital | 1,527,000 | 1,569,000 | 1,515,000 | 1,468,000 |
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 | 189,000 | 389,000 | 582,000 | 778,000 |
| Interest expense | 49,000 | 98,000 | 150,000 | 204,000 |
| Net interest income | 140,000 | 291,000 | 432,000 | 574,000 |
| Noninterest income | 31,000 | 56,000 | 67,000 | 93,000 |
| Noninterest expense | 144,000 | 280,000 | 415,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 67,000 | 84,000 | 122,000 |
| Income tax | 0 | 1,000 | 2,000 | 4,000 |
| Net income | 27,000 | 66,000 | 82,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,608,000 | 1,602,000 | 1,588,000 | 1,564,000 |
| Total capital | 1,702,000 | 1,697,000 | 1,683,000 | 1,660,000 |
| Risk-weighted assets | 7,444,000 | 7,556,000 | 7,561,000 | 7,625,000 |
Machine access — free, no API key
Every figure shown here about DOWNS BANK — 2005 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.