Call reports 2016
DENVER SAVINGS BANK — 2016
What DENVER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 150,185,000 | 153,270,000 | 155,657,000 | 160,837,000 |
| Total loans | 91,510,000 | 94,755,000 | 95,760,000 | 99,043,000 |
| Allowance for loan losses | 669,000 | 735,000 | 767,000 | 778,000 |
| Securities available for sale | 47,700,000 | 48,215,000 | 48,185,000 | 50,832,000 |
| Securities held to maturity | 1,350,000 | 1,350,000 | 1,350,000 | 1,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,943,000 | 131,024,000 | 132,253,000 | 138,222,000 |
| Interest-bearing deposits | 115,995,000 | 119,480,000 | 120,076,000 | 126,186,000 |
| Noninterest-bearing deposits | 12,948,000 | 11,544,000 | 12,177,000 | 12,036,000 |
| Equity capital | 15,785,000 | 16,345,000 | 16,397,000 | 15,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,823,000 | 4,282,000 | 5,779,000 |
| Interest expense | 376,000 | 776,000 | 1,194,000 | 1,626,000 |
| Net interest income | 999,000 | 2,047,000 | 3,088,000 | 4,153,000 |
| Noninterest income | 77,000 | 166,000 | 281,000 | 357,000 |
| Noninterest expense | 730,000 | 1,524,000 | 2,391,000 | 3,205,000 |
| Provision for loan losses | 60,000 | 117,000 | 147,000 | 217,000 |
| Pretax income | 321,000 | 688,000 | 984,000 | 1,303,000 |
| Income tax | 59,000 | 132,000 | 182,000 | 238,000 |
| Net income | 262,000 | 556,000 | 802,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,796,000 | 14,032,000 | 14,224,000 | 14,440,000 |
| Total capital | 14,465,000 | 14,767,000 | 14,991,000 | 15,218,000 |
| Risk-weighted assets | 106,454,000 | 110,040,000 | 112,934,000 | 119,193,000 |