Call reports 2004
DENVER SAVINGS BANK — 2004
What DENVER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,350,000 | 58,771,000 | 61,603,000 | 62,849,000 |
| Total loans | 30,709,000 | 31,444,000 | 33,324,000 | 33,579,000 |
| Allowance for loan losses | 232,000 | 233,000 | 238,000 | 242,000 |
| Securities available for sale | 21,867,000 | 21,617,000 | 20,911,000 | 20,617,000 |
| Securities held to maturity | 0 | 1,389,000 | 2,649,000 | 3,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,731,000 | 42,599,000 | 44,295,000 | 45,336,000 |
| Interest-bearing deposits | 36,863,000 | 37,752,000 | 39,409,000 | 40,196,000 |
| Noninterest-bearing deposits | 4,868,000 | 4,847,000 | 4,886,000 | 5,140,000 |
| Equity capital | 5,726,000 | 5,504,000 | 6,439,000 | 6,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,583,000 | 2,406,000 | 3,238,000 |
| Interest expense | 306,000 | 616,000 | 933,000 | 1,255,000 |
| Net interest income | 468,000 | 967,000 | 1,473,000 | 1,983,000 |
| Noninterest income | 52,000 | 103,000 | 146,000 | 187,000 |
| Noninterest expense | 301,000 | 579,000 | 869,000 | 1,175,000 |
| Provision for loan losses | 8,000 | 12,000 | 17,000 | 21,000 |
| Pretax income | 227,000 | 497,000 | 757,000 | 1,002,000 |
| Income tax | 50,000 | 117,000 | 180,000 | 238,000 |
| Net income | 177,000 | 380,000 | 577,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,998,000 | 4,008,000 | 4,790,000 | 4,967,000 |
| Total capital | 4,230,000 | 4,241,000 | 5,028,000 | 5,209,000 |
| Risk-weighted assets | 31,943,000 | 32,691,000 | 34,240,000 | 34,593,000 |
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