Call reports 2014
SAGE BANK — 2014
What SAGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 227,740,000 | 228,982,000 | 207,838,000 | 195,227,000 |
| Total loans | 204,990,000 | 204,270,000 | 188,047,000 | 169,380,000 |
| Allowance for loan losses | 1,458,000 | 1,457,000 | 1,456,000 | 1,211,000 |
| Securities available for sale | 1,280,000 | 1,285,000 | 1,280,000 | 1,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,575,000 | 159,555,000 | 148,480,000 | 137,913,000 |
| Interest-bearing deposits | 146,657,000 | 150,564,000 | 139,175,000 | 128,622,000 |
| Noninterest-bearing deposits | 8,918,000 | 8,991,000 | 9,305,000 | 9,291,000 |
| Equity capital | 16,513,000 | 16,546,000 | 16,068,000 | 13,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,663,000 | 6,801,000 | 8,798,000 |
| Interest expense | 377,000 | 830,000 | 1,298,000 | 1,734,000 |
| Net interest income | 1,993,000 | 3,833,000 | 5,503,000 | 7,064,000 |
| Noninterest income | 1,135,000 | 2,815,000 | 3,851,000 | 9,516,000 |
| Noninterest expense | 2,933,000 | 6,405,000 | 9,845,000 | 18,074,000 |
| Provision for loan losses | 93,000 | 93,000 | 93,000 | -187,000 |
| Pretax income | 102,000 | 150,000 | -584,000 | -1,307,000 |
| Income tax | 40,000 | 58,000 | -202,000 | 1,768,000 |
| Net income | 62,000 | 92,000 | -382,000 | -3,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,747,000 | 14,073,000 | 13,142,000 | 13,415,000 |
| Total capital | 16,253,000 | 15,578,000 | 14,646,000 | 14,670,000 |
| Risk-weighted assets | 161,075,000 | 154,170,000 | 145,171,000 | 132,794,000 |
Machine access — free, no API key
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