Call reports 2018
SAGE CAPITAL BANK — 2018
What SAGE CAPITAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 386,952,000 | 389,828,000 | 395,875,000 | 405,478,000 |
| Total loans | 269,077,000 | 279,796,000 | 278,330,000 | 274,073,000 |
| Allowance for loan losses | 3,148,000 | 3,371,000 | 3,458,000 | 3,609,000 |
| Securities available for sale | 46,501,000 | 46,308,000 | 45,919,000 | 44,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,814,000 | 345,667,000 | 350,515,000 | 358,672,000 |
| Interest-bearing deposits | 227,372,000 | 224,246,000 | 228,010,000 | 231,617,000 |
| Noninterest-bearing deposits | 116,441,000 | 121,421,000 | 122,506,000 | 127,056,000 |
| Equity capital | 41,096,000 | 42,243,000 | 43,215,000 | 44,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,064,000 | 8,348,000 | 12,703,000 | 17,332,000 |
| Interest expense | 319,000 | 691,000 | 1,165,000 | 1,764,000 |
| Net interest income | 3,745,000 | 7,657,000 | 11,538,000 | 15,568,000 |
| Noninterest income | 384,000 | 775,000 | 1,150,000 | 1,532,000 |
| Noninterest expense | 2,781,000 | 5,369,000 | 8,248,000 | 10,989,000 |
| Provision for loan losses | 120,000 | 341,000 | 461,000 | 581,000 |
| Pretax income | 1,228,000 | 2,722,000 | 3,979,000 | 5,530,000 |
| Income tax | 250,000 | 553,000 | 809,000 | 1,009,000 |
| Net income | 978,000 | 2,169,000 | 3,170,000 | 4,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,736,000 | 37,929,000 | 38,929,000 | 40,279,000 |
| Total capital | 40,135,000 | 41,450,000 | 42,537,000 | 44,038,000 |
| Risk-weighted assets | 293,633,000 | 302,415,000 | 301,314,000 | 301,902,000 |