Call reports 2015
SAGE CAPITAL BANK — 2015
What SAGE CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 351,304,000 | 353,549,000 | 337,503,000 | 353,086,000 |
| Total loans | 215,806,000 | 200,709,000 | 203,034,000 | 204,587,000 |
| Allowance for loan losses | 2,524,000 | 2,558,000 | 2,602,000 | 2,660,000 |
| Securities available for sale | 86,518,000 | 86,685,000 | 81,406,000 | 75,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,913,000 | 301,142,000 | 299,424,000 | 314,323,000 |
| Interest-bearing deposits | 208,000,000 | 202,917,000 | 197,290,000 | 204,530,000 |
| Noninterest-bearing deposits | 106,913,000 | 98,225,000 | 102,134,000 | 109,794,000 |
| Equity capital | 34,857,000 | 35,279,000 | 36,388,000 | 37,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 6,153,000 | 9,438,000 | 12,664,000 |
| Interest expense | 137,000 | 270,000 | 406,000 | 547,000 |
| Net interest income | 2,777,000 | 5,883,000 | 9,032,000 | 12,117,000 |
| Noninterest income | 385,000 | 769,000 | 1,151,000 | 2,326,000 |
| Noninterest expense | 2,233,000 | 4,413,000 | 6,737,000 | 9,204,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 869,000 | 2,119,000 | 3,470,000 | 5,263,000 |
| Income tax | 246,000 | 611,000 | 1,003,000 | 1,496,000 |
| Net income | 623,000 | 1,508,000 | 2,467,000 | 3,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,014,000 | 31,599,000 | 32,558,000 | 33,658,000 |
| Total capital | 33,679,000 | 34,408,000 | 35,411,000 | 36,569,000 |
| Risk-weighted assets | 213,096,000 | 230,966,000 | 239,975,000 | 246,596,000 |