Call reports 2012
DENVER SAVINGS BANK — 2012
What DENVER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,980,000 | 132,060,000 | 131,918,000 | 136,426,000 |
| Total loans | 47,990,000 | 47,339,000 | 45,584,000 | 47,648,000 |
| Allowance for loan losses | 338,000 | 358,000 | 364,000 | 362,000 |
| Securities available for sale | 71,140,000 | 74,365,000 | 75,555,000 | 78,478,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,234,000 | 108,343,000 | 107,769,000 | 112,663,000 |
| Interest-bearing deposits | 96,980,000 | 99,872,000 | 98,519,000 | 102,552,000 |
| Noninterest-bearing deposits | 9,254,000 | 8,471,000 | 9,250,000 | 10,111,000 |
| Equity capital | 12,531,000 | 13,090,000 | 13,689,000 | 13,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,562,000 | 3,785,000 | 5,037,000 |
| Interest expense | 469,000 | 932,000 | 1,381,000 | 1,811,000 |
| Net interest income | 823,000 | 1,630,000 | 2,404,000 | 3,226,000 |
| Noninterest income | 97,000 | 187,000 | 253,000 | 357,000 |
| Noninterest expense | 542,000 | 1,066,000 | 1,602,000 | 2,150,000 |
| Provision for loan losses | 0 | 20,000 | 58,000 | 59,000 |
| Pretax income | 647,000 | 1,084,000 | 1,477,000 | 1,854,000 |
| Income tax | 172,000 | 263,000 | 339,000 | 411,000 |
| Net income | 475,000 | 821,000 | 1,138,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,831,000 | 10,149,000 | 10,435,000 | 10,685,000 |
| Total capital | 10,169,000 | 10,507,000 | 10,799,000 | 11,047,000 |
| Risk-weighted assets | 62,600,000 | 63,710,000 | 61,559,000 | 63,518,000 |