Call reports 2015
DENVER SAVINGS BANK — 2015
What DENVER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,945,000 | 137,638,000 | 141,293,000 | 143,987,000 |
| Total loans | 71,494,000 | 72,886,000 | 75,613,000 | 84,494,000 |
| Allowance for loan losses | 503,000 | 528,000 | 553,000 | 609,000 |
| Securities available for sale | 54,686,000 | 53,055,000 | 51,218,000 | 47,397,000 |
| Securities held to maturity | 1,350,000 | 1,350,000 | 1,350,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,321,000 | 117,703,000 | 121,250,000 | 121,527,000 |
| Interest-bearing deposits | 107,111,000 | 107,680,000 | 108,467,000 | 108,336,000 |
| Noninterest-bearing deposits | 10,210,000 | 10,023,000 | 12,783,000 | 13,191,000 |
| Equity capital | 15,167,000 | 14,843,000 | 15,190,000 | 15,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,523,000 | 3,779,000 | 5,078,000 |
| Interest expense | 361,000 | 722,000 | 1,086,000 | 1,458,000 |
| Net interest income | 908,000 | 1,801,000 | 2,693,000 | 3,620,000 |
| Noninterest income | 72,000 | 138,000 | 198,000 | 264,000 |
| Noninterest expense | 639,000 | 1,330,000 | 2,014,000 | 2,799,000 |
| Provision for loan losses | 35,000 | 60,000 | 85,000 | 125,000 |
| Pretax income | 360,000 | 626,000 | 886,000 | 1,129,000 |
| Income tax | 70,000 | 103,000 | 135,000 | 161,000 |
| Net income | 290,000 | 523,000 | 751,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,011,000 | 13,215,000 | 13,363,000 | 13,553,000 |
| Total capital | 13,514,000 | 13,743,000 | 13,916,000 | 14,162,000 |
| Risk-weighted assets | 84,976,000 | 87,700,000 | 89,478,000 | 97,926,000 |