Call reports 2008
SAGE CAPITAL BANK — 2008
What SAGE CAPITAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 207,525,000 | 212,053,000 | 211,834,000 | 217,962,000 |
| Total loans | 110,738,000 | 116,419,000 | 117,699,000 | 118,327,000 |
| Allowance for loan losses | 1,215,000 | 1,550,000 | 1,570,000 | 1,401,000 |
| Securities available for sale | 54,229,000 | 50,464,000 | 60,277,000 | 54,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,330,000 | 189,230,000 | 188,210,000 | 193,308,000 |
| Interest-bearing deposits | 148,738,000 | 148,206,000 | 149,664,000 | 155,971,000 |
| Noninterest-bearing deposits | 35,592,000 | 41,024,000 | 38,546,000 | 37,338,000 |
| Equity capital | 21,384,000 | 21,186,000 | 21,985,000 | 22,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,211,000 | 6,279,000 | 9,287,000 | 12,152,000 |
| Interest expense | 1,246,000 | 2,372,000 | 3,410,000 | 4,349,000 |
| Net interest income | 1,965,000 | 3,907,000 | 5,877,000 | 7,803,000 |
| Noninterest income | 507,000 | 984,000 | 1,497,000 | 1,948,000 |
| Noninterest expense | 1,664,000 | 3,238,000 | 4,878,000 | 6,781,000 |
| Provision for loan losses | 60,000 | 100,000 | 100,000 | 20,000 |
| Pretax income | 748,000 | 1,553,000 | 2,396,000 | 3,003,000 |
| Income tax | 239,000 | 485,000 | 765,000 | 827,000 |
| Net income | 509,000 | 1,068,000 | 1,631,000 | 2,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,444,000 | 17,852,000 | 18,416,000 | 18,960,000 |
| Total capital | 18,659,000 | 19,402,000 | 19,986,000 | 20,442,000 |
| Risk-weighted assets | 122,057,000 | 128,460,000 | 129,459,000 | 130,707,000 |
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