Call reports 2013
SAGE BANK — 2013
What SAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,236,000 | 195,300,000 | 202,248,000 | 214,961,000 |
| Total loans | 154,934,000 | 178,462,000 | 188,339,000 | 199,208,000 |
| Allowance for loan losses | 1,122,000 | 1,152,000 | 1,365,000 | 1,409,000 |
| Securities available for sale | 1,554,000 | 1,535,000 | 1,535,000 | 1,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,343,000 | 165,244,000 | 160,965,000 | 152,474,000 |
| Interest-bearing deposits | 157,579,000 | 158,671,000 | 153,183,000 | 143,715,000 |
| Noninterest-bearing deposits | 6,764,000 | 6,573,000 | 7,782,000 | 8,759,000 |
| Equity capital | 17,822,000 | 17,921,000 | 17,250,000 | 16,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,997,000 | 4,132,000 | 6,615,000 | 8,397,000 |
| Interest expense | 295,000 | 551,000 | 808,000 | 1,088,000 |
| Net interest income | 1,702,000 | 3,581,000 | 5,807,000 | 7,309,000 |
| Noninterest income | 4,757,000 | 10,142,000 | 13,576,000 | 11,669,000 |
| Noninterest expense | 6,318,000 | 12,763,000 | 18,808,000 | 19,360,000 |
| Provision for loan losses | 80,000 | 110,000 | 322,000 | 437,000 |
| Pretax income | 61,000 | 850,000 | 253,000 | -819,000 |
| Income tax | 23,000 | 336,000 | 107,000 | -207,000 |
| Net income | 38,000 | 514,000 | 146,000 | -612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,202,000 | 17,311,000 | 16,136,000 | 14,494,000 |
| Total capital | 18,400,000 | 18,553,000 | 17,562,000 | 15,949,000 |
| Risk-weighted assets | 125,381,000 | 135,013,000 | 145,382,000 | 154,215,000 |
Machine access — free, no API key
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