Call reports 2013
SAGE CAPITAL BANK — 2013
What SAGE CAPITAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 313,339,000 | 309,085,000 | 314,072,000 | 345,963,000 |
| Total loans | 178,869,000 | 180,429,000 | 169,723,000 | 164,839,000 |
| Allowance for loan losses | 2,092,000 | 2,149,000 | 2,207,000 | 2,263,000 |
| Securities available for sale | 35,648,000 | 42,058,000 | 48,106,000 | 45,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,126,000 | 277,763,000 | 282,414,000 | 313,897,000 |
| Interest-bearing deposits | 215,133,000 | 206,375,000 | 204,553,000 | 229,695,000 |
| Noninterest-bearing deposits | 66,993,000 | 71,389,000 | 77,861,000 | 84,203,000 |
| Equity capital | 30,043,000 | 30,057,000 | 30,427,000 | 30,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,872,000 | 5,625,000 | 8,385,000 | 11,157,000 |
| Interest expense | 259,000 | 486,000 | 695,000 | 886,000 |
| Net interest income | 2,613,000 | 5,139,000 | 7,690,000 | 10,271,000 |
| Noninterest income | 421,000 | 831,000 | 1,250,000 | 1,641,000 |
| Noninterest expense | 2,124,000 | 4,164,000 | 6,142,000 | 8,384,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 850,000 | 1,686,000 | 2,618,000 | 3,288,000 |
| Income tax | 242,000 | 484,000 | 755,000 | 854,000 |
| Net income | 608,000 | 1,202,000 | 1,863,000 | 2,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,106,000 | 26,700,000 | 27,361,000 | 27,932,000 |
| Total capital | 28,449,000 | 29,013,000 | 29,653,000 | 30,262,000 |
| Risk-weighted assets | 188,639,000 | 184,972,000 | 183,198,000 | 186,200,000 |