Call reports 2022
SAGE CAPITAL BANK — 2022
What SAGE CAPITAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 635,511,000 | 655,602,000 | 668,961,000 | 654,463,000 |
| Total loans | 332,810,000 | 334,536,000 | 349,868,000 | 357,503,000 |
| Allowance for loan losses | 3,925,000 | 3,466,000 | 3,512,000 | 4,137,000 |
| Securities available for sale | 52,400,000 | 115,762,000 | 122,933,000 | 121,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,901,000 | 596,930,000 | 609,398,000 | 593,784,000 |
| Interest-bearing deposits | 353,298,000 | 368,089,000 | 358,777,000 | 340,793,000 |
| Noninterest-bearing deposits | 222,603,000 | 228,841,000 | 250,621,000 | 252,991,000 |
| Equity capital | 56,688,000 | 55,136,000 | 55,510,000 | 57,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,491,000 | 9,674,000 | 15,874,000 | 22,819,000 |
| Interest expense | 353,000 | 731,000 | 1,241,000 | 1,967,000 |
| Net interest income | 4,138,000 | 8,943,000 | 14,633,000 | 20,852,000 |
| Noninterest income | 508,000 | 1,056,000 | 1,548,000 | 2,052,000 |
| Noninterest expense | 3,214,000 | 7,296,000 | 10,898,000 | 14,294,000 |
| Provision for loan losses | 45,000 | -410,000 | -365,000 | -185,000 |
| Pretax income | 1,381,000 | 3,100,000 | 5,635,000 | 8,782,000 |
| Income tax | 282,000 | 633,000 | 1,154,000 | 1,799,000 |
| Net income | 1,099,000 | 2,467,000 | 4,481,000 | 6,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,549,000 | 55,917,000 | 57,932,000 | 59,983,000 |
| Total capital | 58,474,000 | 59,883,000 | 61,944,000 | 64,470,000 |
| Risk-weighted assets | 386,018,000 | 368,022,000 | 373,281,000 | 384,909,000 |