(i know i should really be replacing the bike but sprockets are much cheaper

from what i can find on the net the standard size is 16 front 48 rear
currently this bike has on it a 13 front and 45 rear.
what effect should that have on acceleration and top speed?
most info i have read says to drop 1 in the front and go up 2 in the back. seems strange to me to go down at both ends.
any ideas why the previous owner would do this?
my head hurts when i try to figure it out myself

Currently it has good acceleration and any top speed reduction is not that noticeable by me (other than the speedo being incorrect)