Call reports 2005
SAGE CAPITAL BANK — 2005
What SAGE CAPITAL 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 | 185,821,000 | 187,722,000 | 191,798,000 | 195,084,000 |
| Total loans | 125,176,000 | 130,084,000 | 129,335,000 | 128,534,000 |
| Allowance for loan losses | 1,384,000 | 1,379,000 | 1,443,000 | 1,481,000 |
| Securities available for sale | 27,852,000 | 25,507,000 | 21,036,000 | 29,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,386,000 | 169,709,000 | 173,766,000 | 176,755,000 |
| Interest-bearing deposits | 138,327,000 | 138,751,000 | 140,306,000 | 143,397,000 |
| Noninterest-bearing deposits | 30,058,000 | 30,958,000 | 33,459,000 | 33,358,000 |
| Equity capital | 16,448,000 | 17,057,000 | 16,994,000 | 17,291,000 |
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 | 2,399,000 | 4,984,000 | 7,702,000 | 10,612,000 |
| Interest expense | 607,000 | 1,282,000 | 2,058,000 | 2,967,000 |
| Net interest income | 1,792,000 | 3,702,000 | 5,644,000 | 7,645,000 |
| Noninterest income | 597,000 | 1,059,000 | 1,635,000 | 2,138,000 |
| Noninterest expense | 1,655,000 | 3,236,000 | 4,827,000 | 6,519,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 674,000 | 1,405,000 | 2,274,000 | 3,026,000 |
| Income tax | 231,000 | 146,000 | 442,000 | 492,000 |
| Net income | 443,000 | 1,259,000 | 1,832,000 | 2,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,586,000 | 14,151,000 | 14,104,000 | 14,506,000 |
| Total capital | 14,970,000 | 15,530,000 | 15,547,000 | 15,987,000 |
| Risk-weighted assets | 125,956,000 | 129,965,000 | 130,440,000 | 129,966,000 |
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