Call reports 2014
DOWNS BANK — 2014
What DOWNS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Total assets | 19,331,000 | 17,894,000 | 16,925,000 |
| Total loans | 5,570,000 | 5,860,000 | 4,941,000 |
| Allowance for loan losses | 143,000 | 145,000 | 74,000 |
| Securities available for sale | 5,940,000 | 5,717,000 | 5,500,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 17,585,000 | 16,122,000 | 15,177,000 |
| Interest-bearing deposits | 13,791,000 | 12,848,000 | 12,076,000 |
| Noninterest-bearing deposits | 3,794,000 | 3,274,000 | 3,101,000 |
| Equity capital | 1,725,000 | 1,749,000 | 1,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Interest income | 132,000 | 262,000 | 378,000 |
| Interest expense | 9,000 | 18,000 | 27,000 |
| Net interest income | 123,000 | 244,000 | 351,000 |
| Noninterest income | 18,000 | 28,000 | 75,000 |
| Noninterest expense | 136,000 | 270,000 | 443,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 5,000 | 2,000 | -19,000 |
| Income tax | 0 | 1,000 | 1,000 |
| Net income | 5,000 | 1,000 | -20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 1,774,000 | 1,761,000 | 1,736,000 |
| Total capital | 1,860,000 | 1,850,000 | 1,799,000 |
| Risk-weighted assets | 6,802,000 | 7,029,000 | 5,017,000 |