Call reports 2010
SAGE CAPITAL BANK — 2010
What SAGE CAPITAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 226,971,000 | 227,705,000 | 233,905,000 | 250,502,000 |
| Total loans | 129,463,000 | 130,653,000 | 133,172,000 | 134,758,000 |
| Allowance for loan losses | 1,457,000 | 1,450,000 | 1,511,000 | 1,567,000 |
| Securities available for sale | 52,211,000 | 48,233,000 | 44,088,000 | 60,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,739,000 | 201,930,000 | 207,952,000 | 224,708,000 |
| Interest-bearing deposits | 165,995,000 | 165,575,000 | 170,549,000 | 183,899,000 |
| Noninterest-bearing deposits | 35,744,000 | 36,356,000 | 37,402,000 | 40,809,000 |
| Equity capital | 24,148,000 | 24,570,000 | 24,788,000 | 24,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,609,000 | 5,176,000 | 7,766,000 | 10,326,000 |
| Interest expense | 649,000 | 1,225,000 | 1,758,000 | 2,249,000 |
| Net interest income | 1,960,000 | 3,951,000 | 6,008,000 | 8,077,000 |
| Noninterest income | 474,000 | 997,000 | 1,513,000 | 2,088,000 |
| Noninterest expense | 2,061,000 | 4,085,000 | 6,090,000 | 8,147,000 |
| Provision for loan losses | 40,000 | 30,000 | 90,000 | 130,000 |
| Pretax income | 333,000 | 833,000 | 1,341,000 | 1,888,000 |
| Income tax | 85,000 | 229,000 | 381,000 | 442,000 |
| Net income | 248,000 | 604,000 | 960,000 | 1,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,933,000 | 20,290,000 | 20,644,000 | 20,880,000 |
| Total capital | 21,491,000 | 21,911,000 | 22,326,000 | 22,638,000 |
| Risk-weighted assets | 144,485,000 | 147,726,000 | 148,971,000 | 149,121,000 |