Call reports 2009
SAGE CAPITAL BANK — 2009
What SAGE CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 213,757,000 | 210,316,000 | 221,120,000 | 243,316,000 |
| Total loans | 115,617,000 | 120,290,000 | 121,913,000 | 125,397,000 |
| Allowance for loan losses | 1,408,000 | 1,467,000 | 1,495,000 | 1,429,000 |
| Securities available for sale | 61,763,000 | 58,458,000 | 53,569,000 | 57,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,395,000 | 185,857,000 | 195,930,000 | 218,167,000 |
| Interest-bearing deposits | 151,327,000 | 151,233,000 | 158,039,000 | 177,072,000 |
| Noninterest-bearing deposits | 38,069,000 | 34,625,000 | 37,891,000 | 41,095,000 |
| Equity capital | 23,369,000 | 23,548,000 | 24,119,000 | 23,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,600,000 | 5,184,000 | 7,749,000 | 10,313,000 |
| Interest expense | 816,000 | 1,576,000 | 2,333,000 | 3,055,000 |
| Net interest income | 1,784,000 | 3,608,000 | 5,416,000 | 7,258,000 |
| Noninterest income | 444,000 | 918,000 | 1,391,000 | 1,812,000 |
| Noninterest expense | 1,750,000 | 3,699,000 | 5,555,000 | 7,522,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 940,000 |
| Pretax income | 625,000 | 914,000 | 1,279,000 | 815,000 |
| Income tax | 195,000 | 292,000 | 409,000 | 90,000 |
| Net income | 430,000 | 622,000 | 870,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,390,000 | 19,582,000 | 19,830,000 | 19,685,000 |
| Total capital | 20,879,000 | 21,130,000 | 21,406,000 | 21,195,000 |
| Risk-weighted assets | 128,108,000 | 129,663,000 | 135,940,000 | 143,533,000 |
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