Call reports 2019
SAGE CAPITAL BANK — 2019
What SAGE CAPITAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 409,488,000 | 412,871,000 | 406,526,000 | 419,948,000 |
| Total loans | 267,211,000 | 266,366,000 | 261,906,000 | 279,075,000 |
| Allowance for loan losses | 3,705,000 | 3,787,000 | 3,720,000 | 3,465,000 |
| Securities available for sale | 41,989,000 | 49,534,000 | 58,401,000 | 63,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,038,000 | 363,985,000 | 356,383,000 | 368,664,000 |
| Interest-bearing deposits | 233,961,000 | 228,375,000 | 227,475,000 | 240,534,000 |
| Noninterest-bearing deposits | 128,077,000 | 135,610,000 | 128,909,000 | 128,130,000 |
| Equity capital | 45,149,000 | 46,482,000 | 47,598,000 | 48,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,464,000 | 8,990,000 | 13,604,000 | 18,168,000 |
| Interest expense | 657,000 | 1,326,000 | 2,018,000 | 2,720,000 |
| Net interest income | 3,807,000 | 7,664,000 | 11,586,000 | 15,448,000 |
| Noninterest income | 433,000 | 897,000 | 1,340,000 | 1,775,000 |
| Noninterest expense | 3,036,000 | 5,996,000 | 8,906,000 | 12,033,000 |
| Provision for loan losses | 120,000 | 200,000 | 200,000 | -50,000 |
| Pretax income | 1,084,000 | 2,365,000 | 3,820,000 | 5,240,000 |
| Income tax | 218,000 | 473,000 | 748,000 | 1,004,000 |
| Net income | 866,000 | 1,892,000 | 3,072,000 | 4,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,546,000 | 41,571,000 | 42,751,000 | 43,916,000 |
| Total capital | 44,268,000 | 45,302,000 | 46,475,000 | 47,777,000 |
| Risk-weighted assets | 297,596,000 | 298,294,000 | 297,799,000 | 308,862,000 |