Call reports 2009
DENVER SAVINGS BANK — 2009
What DENVER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,256,000 | 98,476,000 | 99,861,000 | 100,670,000 |
| Total loans | 38,652,000 | 38,553,000 | 39,381,000 | 39,568,000 |
| Allowance for loan losses | 465,000 | 267,000 | 333,000 | 357,000 |
| Securities available for sale | 26,653,000 | 31,028,000 | 33,024,000 | 33,842,000 |
| Securities held to maturity | 25,623,000 | 22,057,000 | 19,885,000 | 17,741,000 |
| Trading assets | 809,000 | 0 | 0 | 0 |
| Total deposits | 71,993,000 | 71,887,000 | 72,173,000 | 74,659,000 |
| Interest-bearing deposits | 65,315,000 | 65,345,000 | 66,016,000 | 67,957,000 |
| Noninterest-bearing deposits | 6,678,000 | 6,542,000 | 6,157,000 | 6,702,000 |
| Equity capital | 8,822,000 | 8,913,000 | 9,211,000 | 8,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,649,000 | 3,966,000 | 5,253,000 |
| Interest expense | 657,000 | 1,302,000 | 1,919,000 | 2,496,000 |
| Net interest income | 674,000 | 1,347,000 | 2,047,000 | 2,757,000 |
| Noninterest income | 57,000 | 94,000 | 147,000 | 184,000 |
| Noninterest expense | 390,000 | 819,000 | 1,248,000 | 1,686,000 |
| Provision for loan losses | 294,000 | 480,000 | 945,000 | 1,040,000 |
| Pretax income | 46,000 | 135,000 | -6,000 | 207,000 |
| Income tax | -24,000 | -31,000 | -125,000 | -89,000 |
| Net income | 70,000 | 166,000 | 119,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,390,000 | 7,457,000 | 7,375,000 | 7,517,000 |
| Total capital | 7,855,000 | 7,724,000 | 7,708,000 | 7,874,000 |
| Risk-weighted assets | 49,482,000 | 48,951,000 | 49,970,000 | 50,739,000 |