Call reports 2014
DENVER SAVINGS BANK — 2014
What DENVER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 141,060,000 | 139,193,000 | 137,004,000 | 138,125,000 |
| Total loans | 63,466,000 | 68,427,000 | 71,355,000 | 71,765,000 |
| Allowance for loan losses | 365,000 | 395,000 | 444,000 | 468,000 |
| Securities available for sale | 65,963,000 | 60,279,000 | 56,500,000 | 57,657,000 |
| Securities held to maturity | 1,450,000 | 1,350,000 | 1,350,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,698,000 | 119,335,000 | 116,984,000 | 116,969,000 |
| Interest-bearing deposits | 111,406,000 | 109,385,000 | 107,684,000 | 107,252,000 |
| Noninterest-bearing deposits | 10,292,000 | 9,950,000 | 9,300,000 | 9,717,000 |
| Equity capital | 13,366,000 | 13,877,000 | 14,346,000 | 14,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,596,000 | 3,915,000 | 5,152,000 |
| Interest expense | 385,000 | 754,000 | 1,109,000 | 1,469,000 |
| Net interest income | 901,000 | 1,842,000 | 2,806,000 | 3,683,000 |
| Noninterest income | 81,000 | 138,000 | 213,000 | 284,000 |
| Noninterest expense | 576,000 | 1,236,000 | 1,851,000 | 2,580,000 |
| Provision for loan losses | 43,000 | 73,000 | 119,000 | 154,000 |
| Pretax income | 274,000 | 611,000 | 1,053,000 | 1,335,000 |
| Income tax | 32,000 | 94,000 | 187,000 | 189,000 |
| Net income | 242,000 | 517,000 | 866,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,027,000 | 12,251,000 | 12,567,000 | 12,816,000 |
| Total capital | 12,392,000 | 12,646,000 | 13,011,000 | 13,284,000 |
| Risk-weighted assets | 80,479,000 | 83,857,000 | 86,614,000 | 87,553,000 |