<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
AMENDMENT TO
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FORM 10-Q
(Mark One)
/X/ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 1994
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OR
/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from to
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Commission file number 0-16193
DS BANCOR, INC.
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(Exact name of registrant as specified in its charter)
DELAWARE 06-1162884
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(State or other jurisdiction of (I.R.S. Employer
Incorporation or organization) Identification No.)
33 Elizabeth Street, Derby, Connecticut
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(Address of principal executive offices)
06418
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(Zip Code)
(203) 736-1000
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(Registrant's telephone number, including area code)
Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes X No
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Indicate the number of shares outstanding of each of the issuer's classes
of common stock, as of the latest practicable date.
Class: Common Stock, par value $1.00 per share
Outstanding at November 10, 1994: 2,745,071 shares
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PART II. OTHER INFORMATION
ITEM 1 LEGAL PROCEEDINGS
Not Applicable
ITEM 2 CHANGES IN SECURITIES
Not Applicable
ITEM 3 DEFAULTS UPON SENIOR SECURITIES
Not Applicable
ITEM 4 SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
Not Applicable
ITEM 5 OTHER INFORMATION
Not Applicable
ITEM 6 EXHIBITS AND REPORTS ON FORM 8-K
Exhibit Index
Exhibit Page of this
Number Report
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27 Financial Data Schedule 43
-42-
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
DS Bancor, Inc.
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Registrant
Date: December 21, 1994 By: /S/Harry P. DiAdamo, Jr.
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Harry P. DiAdamo, Jr.
President & CEO
Date: December 21, 1994 By: /S/Alfred T. Santoro
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Alfred T. Santoro
Vice President, Treasurer and CFO
-44-
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from the
Consolidated Statements of Position, the Consolidated Statements of Earnings,
the Notes to Consolidated Financial Statements and the Selected Consolidated
Financial and Other Data and is qualified in its entirety by reference to such
financial statements.)
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<EXCHANGE-RATE> 1
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-START> JAN-01-1994
<PERIOD-END> SEP-30-1994
<CASH> 15,187
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 4,125
<TRADING-ASSETS> 865
<INVESTMENTS-HELD-FOR-SALE> 227,157
<INVESTMENTS-CARRYING> 108,260
<INVESTMENTS-MARKET> 101,841
<LOANS> 836,407
<ALLOWANCE> (6,515)
<TOTAL-ASSETS> 1,232,930
<DEPOSITS> 1,015,032
<SHORT-TERM> 0
<LIABILITIES-OTHER> 4,424
<LONG-TERM> 138,867
<COMMON> 3,085
0
0
<OTHER-SE> 65,349
<TOTAL-LIABILITIES-AND-EQUITY> 1,232,930
<INTEREST-LOAN> 41,770
<INTEREST-INVEST> 15,098
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 56,868
<INTEREST-DEPOSIT> 26,197
<INTEREST-EXPENSE> 31,391
<INTEREST-INCOME-NET> 25,477
<LOAN-LOSSES> 1,625
<SECURITIES-GAINS> 740
<EXPENSE-OTHER> 19,103
<INCOME-PRETAX> 7,305
<INCOME-PRE-EXTRAORDINARY> 4,362
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,362
<EPS-PRIMARY> 1.57
<EPS-DILUTED> 1.56
<YIELD-ACTUAL> 2.90
<LOANS-NON> 8,363
<LOANS-PAST> 731
<LOANS-TROUBLED> 3,850
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,979
<CHARGE-OFFS> (2,141)
<RECOVERIES> 52
<ALLOWANCE-CLOSE> 6,515
<ALLOWANCE-DOMESTIC> 6,515
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
