Call reports 2025
SAGE CAPITAL BANK — 2025
What SAGE CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 689,159,000 | 690,829,000 | 703,549,000 | 741,121,000 |
| Total loans | 405,383,000 | 427,328,000 | 439,890,000 | 467,081,000 |
| Allowance for loan losses | 4,946,000 | 4,963,000 | 5,086,000 | 5,212,000 |
| Securities available for sale | 126,315,000 | 116,828,000 | 113,608,000 | 109,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,199,000 | 611,654,000 | 623,037,000 | 657,972,000 |
| Interest-bearing deposits | 408,068,000 | 412,285,000 | 422,732,000 | 454,434,000 |
| Noninterest-bearing deposits | 204,131,000 | 199,369,000 | 200,305,000 | 203,538,000 |
| Equity capital | 71,850,000 | 74,276,000 | 75,209,000 | 78,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,008,000 | 18,647,000 | 28,195,000 | 38,384,000 |
| Interest expense | 2,762,000 | 5,496,000 | 8,285,000 | 11,210,000 |
| Net interest income | 6,246,000 | 13,151,000 | 19,910,000 | 27,174,000 |
| Noninterest income | 495,000 | 979,000 | 1,472,000 | 1,993,000 |
| Noninterest expense | 4,384,000 | 8,663,000 | 12,989,000 | 17,360,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 2,240,000 | 5,219,000 | 8,031,000 | 11,316,000 |
| Income tax | 466,000 | 1,164,000 | 1,739,000 | 2,219,000 |
| Net income | 1,774,000 | 4,055,000 | 6,292,000 | 9,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,636,000 | 72,917,000 | 73,197,000 | 76,002,000 |
| Total capital | 75,932,000 | 78,230,000 | 78,633,000 | 81,564,000 |
| Risk-weighted assets | 427,850,000 | 461,856,000 | 472,382,000 | 502,985,000 |