Call reports 2012
DOWNS BANK — 2012
What DOWNS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 18,567,000 | 18,318,000 | 17,774,000 | 18,765,000 |
| Total loans | 5,648,000 | 6,334,000 | 6,469,000 | 6,627,000 |
| Allowance for loan losses | 168,000 | 168,000 | 144,000 | 144,000 |
| Securities available for sale | 7,124,000 | 6,794,000 | 6,629,000 | 5,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,740,000 | 15,987,000 | 15,481,000 | 16,895,000 |
| Interest-bearing deposits | 13,069,000 | 12,759,000 | 12,485,000 | 12,574,000 |
| Noninterest-bearing deposits | 3,671,000 | 3,228,000 | 2,995,000 | 4,321,000 |
| Equity capital | 1,791,000 | 1,814,000 | 1,835,000 | 1,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 147,000 | 295,000 | 445,000 | 597,000 |
| Interest expense | 16,000 | 29,000 | 43,000 | 56,000 |
| Net interest income | 131,000 | 266,000 | 402,000 | 541,000 |
| Noninterest income | 14,000 | 26,000 | 39,000 | 56,000 |
| Noninterest expense | 136,000 | 269,000 | 401,000 | 543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 23,000 | 40,000 | 54,000 |
| Income tax | 0 | 2,000 | 3,000 | 2,000 |
| Net income | 9,000 | 21,000 | 37,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,700,000 | 1,703,000 | 1,710,000 | 1,710,000 |
| Total capital | 1,804,000 | 1,813,000 | 1,793,000 | 1,798,000 |
| Risk-weighted assets | 8,221,000 | 8,730,000 | 6,558,000 | 6,951,000 |