Call reports 2007
DOWNS BANK — 2007
What DOWNS 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 | 13,738,000 | 14,241,000 | 14,243,000 | 14,363,000 |
| Total loans | 6,700,000 | 6,896,000 | 7,003,000 | 7,141,000 |
| Allowance for loan losses | 147,000 | 150,000 | 137,000 | 140,000 |
| Securities available for sale | 4,972,000 | 4,355,000 | 4,395,000 | 4,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,126,000 | 12,608,000 | 12,569,000 | 12,662,000 |
| Interest-bearing deposits | 9,969,000 | 10,283,000 | 10,187,000 | 10,379,000 |
| Noninterest-bearing deposits | 2,157,000 | 2,324,000 | 2,382,000 | 2,283,000 |
| Equity capital | 1,562,000 | 1,573,000 | 1,611,000 | 1,629,000 |
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 | 195,000 | 394,000 | 600,000 | 809,000 |
| Interest expense | 65,000 | 133,000 | 206,000 | 280,000 |
| Net interest income | 130,000 | 261,000 | 394,000 | 529,000 |
| Noninterest income | 32,000 | 61,000 | 72,000 | 84,000 |
| Noninterest expense | 137,000 | 257,000 | 377,000 | 509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 65,000 | 89,000 | 104,000 |
| Income tax | 0 | 2,000 | 3,000 | 3,000 |
| Net income | 25,000 | 63,000 | 86,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,612,000 | 1,632,000 | 1,625,000 | 1,613,000 |
| Total capital | 1,701,000 | 1,720,000 | 1,717,000 | 1,708,000 |
| Risk-weighted assets | 7,063,000 | 6,954,000 | 7,279,000 | 7,586,000 |
Machine access — free, no API key
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