Call reports 2012
SAGE CAPITAL BANK — 2012
What SAGE CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 295,609,000 | 293,154,000 | 290,245,000 | 313,075,000 |
| Total loans | 152,970,000 | 160,588,000 | 180,843,000 | 196,811,000 |
| Allowance for loan losses | 1,859,000 | 1,918,000 | 1,973,000 | 2,040,000 |
| Securities available for sale | 55,783,000 | 50,542,000 | 45,268,000 | 41,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,658,000 | 263,918,000 | 260,117,000 | 282,651,000 |
| Interest-bearing deposits | 211,321,000 | 210,961,000 | 203,581,000 | 222,813,000 |
| Noninterest-bearing deposits | 55,337,000 | 52,957,000 | 56,536,000 | 59,838,000 |
| Equity capital | 27,805,000 | 28,186,000 | 28,916,000 | 29,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,377,000 | 8,238,000 | 11,204,000 |
| Interest expense | 416,000 | 794,000 | 1,137,000 | 1,434,000 |
| Net interest income | 2,324,000 | 4,583,000 | 7,101,000 | 9,770,000 |
| Noninterest income | 445,000 | 878,000 | 1,293,000 | 1,704,000 |
| Noninterest expense | 2,067,000 | 4,113,000 | 6,110,000 | 8,117,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 642,000 | 1,228,000 | 2,104,000 | 3,117,000 |
| Income tax | 181,000 | 336,000 | 587,000 | 779,000 |
| Net income | 461,000 | 892,000 | 1,517,000 | 2,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,721,000 | 24,152,000 | 24,777,000 | 25,498,000 |
| Total capital | 25,796,000 | 26,273,000 | 27,001,000 | 27,789,000 |
| Risk-weighted assets | 165,974,000 | 169,659,000 | 178,855,000 | 191,129,000 |