Institution Statistics
| Denver Savings Bank | | FDIC Certificate # | 12857 | | BankRate Report | View | | Year Established | 1902 | | Employees | 19 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $129.98 million | | Loans | $47.65 million | | Deposits | $106.23 million | | Equity Capital | $12.53 million | | Loan Loss Allowance | $338,000 | | Unbacked Noncurrent Loans | $361,000 | | Real Estate Owned | $250,000 |
Historic Data - March 2011 | | Assets | $108.13 million | | Equity Capital | $9.81 million | | Loan Loss Allowance | $300,000 | | Unbacked Noncurrent Loans | $374,000 | | Real Estate Owned | $427,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.76% | | Return on Assets | 1.49% | | Return on Equity | 15.47% | | Interest Income | $1.29 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Denver Savings Bank had $611,000 in non-current loans and owned real-estate with $12.87 million in equity and loan loss allowances on hand to cover it. This gives Denver Savings Bank a Texas Ratio of 4.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Denver Savings Bank decreased significantly from 7.93% as of March 31, 2011 to 4.75% as of March 31, 2012, resulting in a positive change of 40.10%.This indicates that the balance sheet and financial strength for Denver Savings Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Denver Savings Bank has increased its total deposits by $20.41 million, resulting in 23.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Denver Savings Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Denver Savings Bank has $129.98 million in assets with $12.87 million in equity, resulting in a capitalization level of 9.90%, which is average. |
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