Call reports 2003
DENVER SAVINGS BANK — 2003
What DENVER SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,515,000 | 51,892,000 | 53,588,000 | 55,948,000 |
| Total loans | 28,125,000 | 28,580,000 | 29,005,000 | 30,030,000 |
| Allowance for loan losses | 204,000 | 211,000 | 220,000 | 224,000 |
| Securities available for sale | 16,994,000 | 18,489,000 | 19,453,000 | 21,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,760,000 | 36,121,000 | 37,788,000 | 39,480,000 |
| Interest-bearing deposits | 30,749,000 | 30,842,000 | 32,851,000 | 34,476,000 |
| Noninterest-bearing deposits | 5,011,000 | 5,279,000 | 4,937,000 | 5,004,000 |
| Equity capital | 5,118,000 | 5,440,000 | 5,348,000 | 5,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,455,000 | 2,198,000 | 2,960,000 |
| Interest expense | 313,000 | 621,000 | 929,000 | 1,238,000 |
| Net interest income | 415,000 | 834,000 | 1,269,000 | 1,722,000 |
| Noninterest income | 52,000 | 93,000 | 143,000 | 191,000 |
| Noninterest expense | 270,000 | 526,000 | 786,000 | 1,087,000 |
| Provision for loan losses | 7,000 | 20,000 | 30,000 | 34,000 |
| Pretax income | 191,000 | 391,000 | 608,000 | 807,000 |
| Income tax | 39,000 | 81,000 | 128,000 | 157,000 |
| Net income | 152,000 | 310,000 | 480,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,525,000 | 3,683,000 | 3,722,000 | 3,807,000 |
| Total capital | 3,729,000 | 3,894,000 | 3,942,000 | 4,031,000 |
| Risk-weighted assets | 28,552,000 | 28,579,000 | 29,589,000 | 30,918,000 |
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