Call reports 2011
SAGE CAPITAL BANK — 2011
What SAGE CAPITAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 254,012,000 | 260,267,000 | 271,844,000 | 286,694,000 |
| Total loans | 141,169,000 | 144,359,000 | 156,635,000 | 163,156,000 |
| Allowance for loan losses | 1,624,000 | 1,735,000 | 1,729,000 | 1,790,000 |
| Securities available for sale | 60,401,000 | 64,574,000 | 59,263,000 | 60,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,856,000 | 233,159,000 | 243,874,000 | 258,405,000 |
| Interest-bearing deposits | 182,968,000 | 186,697,000 | 196,215,000 | 205,993,000 |
| Noninterest-bearing deposits | 44,888,000 | 46,463,000 | 47,658,000 | 52,412,000 |
| Equity capital | 25,135,000 | 25,988,000 | 26,653,000 | 27,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,599,000 | 5,322,000 | 8,066,000 | 10,927,000 |
| Interest expense | 479,000 | 940,000 | 1,400,000 | 1,839,000 |
| Net interest income | 2,120,000 | 4,382,000 | 6,666,000 | 9,088,000 |
| Noninterest income | 569,000 | 1,141,000 | 1,624,000 | 2,101,000 |
| Noninterest expense | 1,992,000 | 3,967,000 | 5,897,000 | 7,847,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 180,000 |
| Pretax income | 637,000 | 1,436,000 | 2,273,000 | 3,162,000 |
| Income tax | 152,000 | 369,000 | 592,000 | 782,000 |
| Net income | 485,000 | 1,067,000 | 1,681,000 | 2,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,365,000 | 21,947,000 | 22,561,000 | 23,260,000 |
| Total capital | 23,180,000 | 23,859,000 | 24,541,000 | 25,301,000 |
| Risk-weighted assets | 152,016,000 | 152,964,000 | 160,478,000 | 166,365,000 |