Call reports 2010
DENVER SAVINGS BANK — 2010
What DENVER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 105,447,000 | 103,936,000 | 103,406,000 | 104,576,000 |
| Total loans | 39,734,000 | 39,619,000 | 39,785,000 | 40,723,000 |
| Allowance for loan losses | 311,000 | 240,000 | 258,000 | 247,000 |
| Securities available for sale | 32,328,000 | 34,207,000 | 41,011,000 | 41,609,000 |
| Securities held to maturity | 19,152,000 | 19,976,000 | 13,459,000 | 13,661,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,729,000 | 78,182,000 | 78,090,000 | 80,686,000 |
| Interest-bearing deposits | 71,262,000 | 70,548,000 | 70,557,000 | 74,250,000 |
| Noninterest-bearing deposits | 7,467,000 | 7,634,000 | 7,533,000 | 6,436,000 |
| Equity capital | 9,246,000 | 9,618,000 | 10,299,000 | 9,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,234,000 | 2,479,000 | 3,685,000 | 4,910,000 |
| Interest expense | 546,000 | 1,075,000 | 1,567,000 | 2,029,000 |
| Net interest income | 688,000 | 1,404,000 | 2,118,000 | 2,881,000 |
| Noninterest income | 50,000 | 101,000 | 127,000 | 198,000 |
| Noninterest expense | 452,000 | 918,000 | 1,384,000 | 1,872,000 |
| Provision for loan losses | 19,000 | 39,000 | 57,000 | 76,000 |
| Pretax income | 255,000 | 542,000 | 841,000 | 1,182,000 |
| Income tax | 47,000 | 105,000 | 164,000 | 236,000 |
| Net income | 208,000 | 437,000 | 677,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,692,000 | 7,898,000 | 8,094,000 | 8,334,000 |
| Total capital | 8,003,000 | 8,138,000 | 8,352,000 | 8,581,000 |
| Risk-weighted assets | 52,354,000 | 51,876,000 | 51,415,000 | 53,180,000 |