Call reports 2007
SAGE CAPITAL BANK — 2007
What SAGE CAPITAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 196,915,000 | 198,069,000 | 200,160,000 | 219,349,000 |
| Total loans | 116,160,000 | 114,139,000 | 111,258,000 | 111,278,000 |
| Allowance for loan losses | 1,197,000 | 1,265,000 | 1,343,000 | 1,392,000 |
| Securities available for sale | 38,935,000 | 37,694,000 | 56,356,000 | 58,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,095,000 | 177,976,000 | 179,011,000 | 197,735,000 |
| Interest-bearing deposits | 140,894,000 | 143,546,000 | 146,774,000 | 163,114,000 |
| Noninterest-bearing deposits | 36,201,000 | 34,430,000 | 32,236,000 | 34,622,000 |
| Equity capital | 18,379,000 | 18,851,000 | 19,765,000 | 20,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,205,000 | 6,509,000 | 9,866,000 | 13,149,000 |
| Interest expense | 1,275,000 | 2,564,000 | 3,893,000 | 5,239,000 |
| Net interest income | 1,930,000 | 3,945,000 | 5,973,000 | 7,910,000 |
| Noninterest income | 483,000 | 1,078,000 | 1,622,000 | 2,133,000 |
| Noninterest expense | 1,575,000 | 3,133,000 | 4,677,000 | 6,356,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 778,000 | 1,770,000 | 2,777,000 | 3,486,000 |
| Income tax | 265,000 | 594,000 | 917,000 | 996,000 |
| Net income | 513,000 | 1,176,000 | 1,860,000 | 2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,358,000 | 16,021,000 | 16,705,000 | 16,935,000 |
| Total capital | 16,555,000 | 17,286,000 | 18,048,000 | 18,327,000 |
| Risk-weighted assets | 120,652,000 | 120,825,000 | 120,374,000 | 124,014,000 |
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