Call reports 2013
DENVER SAVINGS BANK — 2013
What DENVER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 139,189,000 | 135,916,000 | 138,798,000 | 140,412,000 |
| Total loans | 48,909,000 | 50,983,000 | 54,845,000 | 59,118,000 |
| Allowance for loan losses | 271,000 | 291,000 | 301,000 | 331,000 |
| Securities available for sale | 77,024,000 | 74,076,000 | 73,904,000 | 67,318,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,208,000 | 114,435,000 | 117,461,000 | 119,938,000 |
| Interest-bearing deposits | 104,400,000 | 103,953,000 | 106,099,000 | 110,000,000 |
| Noninterest-bearing deposits | 10,808,000 | 10,482,000 | 11,362,000 | 9,938,000 |
| Equity capital | 13,947,000 | 12,638,000 | 12,697,000 | 12,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,466,000 | 3,784,000 | 5,585,000 |
| Interest expense | 417,000 | 821,000 | 1,220,000 | 1,627,000 |
| Net interest income | 816,000 | 1,645,000 | 2,564,000 | 3,958,000 |
| Noninterest income | 80,000 | 141,000 | 215,000 | 274,000 |
| Noninterest expense | 528,000 | 1,145,000 | 1,687,000 | 2,333,000 |
| Provision for loan losses | 10,000 | 30,000 | 40,000 | 70,000 |
| Pretax income | 357,000 | 726,000 | 1,168,000 | 1,530,000 |
| Income tax | 64,000 | 128,000 | 214,000 | 250,000 |
| Net income | 293,000 | 598,000 | 954,000 | 1,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,944,000 | 11,213,000 | 11,547,000 | 11,811,000 |
| Total capital | 11,215,000 | 11,504,000 | 11,848,000 | 12,142,000 |
| Risk-weighted assets | 64,693,000 | 68,225,000 | 73,552,000 | 75,753,000 |