Call reports 2013
DOWNS BANK — 2013
What DOWNS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 19,358,000 | 18,569,000 | 17,904,000 | 18,168,000 |
| Total loans | 5,645,000 | 6,921,000 | 6,556,000 | 6,829,000 |
| Allowance for loan losses | 144,000 | 142,000 | 142,000 | 142,000 |
| Securities available for sale | 5,991,000 | 5,972,000 | 6,586,000 | 6,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,543,000 | 16,919,000 | 16,181,000 | 16,357,000 |
| Interest-bearing deposits | 13,462,000 | 10,183,000 | 12,906,000 | 3,412,000 |
| Noninterest-bearing deposits | 4,081,000 | 6,736,000 | 3,275,000 | 12,945,000 |
| Equity capital | 1,777,000 | 1,630,000 | 1,696,000 | 1,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 131,000 | 267,000 | 414,000 | 561,000 |
| Interest expense | 11,000 | 21,000 | 31,000 | 41,000 |
| Net interest income | 120,000 | 246,000 | 383,000 | 520,000 |
| Noninterest income | 15,000 | 41,000 | 56,000 | 82,000 |
| Noninterest expense | 141,000 | 279,000 | 418,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -6,000 | 8,000 | 21,000 | 57,000 |
| Income tax | -2,000 | -1,000 | -2,000 | 1,000 |
| Net income | -4,000 | 9,000 | 23,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,704,000 | 1,721,000 | 1,736,000 | 1,770,000 |
| Total capital | 1,787,000 | 1,815,000 | 1,824,000 | 1,874,000 |
| Risk-weighted assets | 6,584,000 | 7,437,000 | 6,982,000 | 8,242,000 |