Call reports 2005
SAGE BANK — 2005
What SAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 107,314,000 | 115,190,000 | 118,973,000 | 118,682,000 |
| Total loans | 67,289,000 | 71,815,000 | 77,002,000 | 80,489,000 |
| Allowance for loan losses | 804,000 | 827,000 | 848,000 | 890,000 |
| Securities available for sale | 32,231,000 | 33,316,000 | 33,082,000 | 30,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,746,000 | 96,256,000 | 96,042,000 | 93,624,000 |
| Interest-bearing deposits | 89,316,000 | 91,255,000 | 90,644,000 | 89,079,000 |
| Noninterest-bearing deposits | 3,430,000 | 5,001,000 | 5,398,000 | 4,545,000 |
| Equity capital | 8,394,000 | 8,711,000 | 8,720,000 | 8,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,481,000 | 3,050,000 | 4,734,000 | 6,508,000 |
| Interest expense | 515,000 | 1,073,000 | 1,704,000 | 2,452,000 |
| Net interest income | 966,000 | 1,977,000 | 3,030,000 | 4,056,000 |
| Noninterest income | 29,000 | 75,000 | 116,000 | 160,000 |
| Noninterest expense | 745,000 | 1,526,000 | 2,300,000 | 3,089,000 |
| Provision for loan losses | 52,000 | 75,000 | 97,000 | 139,000 |
| Pretax income | 199,000 | 452,000 | 747,000 | 993,000 |
| Income tax | 82,000 | 186,000 | 307,000 | 403,000 |
| Net income | 117,000 | 266,000 | 440,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,773,000 | 8,921,000 | 9,108,000 | 9,255,000 |
| Total capital | 9,577,000 | 9,748,000 | 9,956,000 | 10,145,000 |
| Risk-weighted assets | 70,552,000 | 77,121,000 | 80,371,000 | 82,879,000 |
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