Sage Capital Bank, National Association in Gonzales, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Sage Capital Bank, National Association in Gonzales, Texas (TX)
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Sage Capital Bank, National Association routing number info

Sage Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 25621
    Status: Active
    Federal Reserve ID: 448554
    Bank Holding Company (Regulatory Top Holder): Anb Bancshares, Inc. (RSSDID: 2536642, Location: Gonzales, TX)
    Date Established: July 12, 1984
    WWW: http://www.sagecapitalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 17542
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 12, 1984
    Last Structure Change Effective Date: July 01, 2009
    Last Structure Change Process Date: January 13, 2010
    Last Data Update: January 13, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1606 North Sarah Dewitt Drive, Gonzales, TX 78629
    County: Gonzales
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $286.7 mil
    Equity capital: $27.3 mil
    Deposits held in domestic offices: $258.4 mil
    Return on assets (ROA): 0.90% ($2.6 mil)
    Quarterly return on assets: 1.00% ($2.9 mil)
    Return on Equity (ROE): 9.17% ($2.5 mil)
    Quarterly return on equity: 10.37% ($2.8 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.19% ($3,411.7 mil)
    Quarterly Pretax return on assets: 1.27% ($3,641.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 73Total employees (full-time equivalent)
  • $286,694Total assets
  • $15,332Cash and due from depository institutions
  • $100Interest-bearing balances
  • $60,863Securities
  • $29,600Federal funds sold & reverse repurchase agreements
  • $161,366Net loans & leases
  • $1,790Loan loss allowance
  • $0Trading account assets
  • $7,730Bank premises and fixed assets
  • $0Other real estate owned
  • $3,105Goodwill and other intangibles
  • $286,694Life insurance assets
  • $8,698All other assets
  • $259,415Total liabilities and capital
  • $258,405Total liabilities
  • $205,993Total deposits
  • $258,405Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,010Subordinated debt
  • $27,279All other liabilities
  • $27,279Total equity capital
  • $27,279Total bank equity capital
  • $0Perpetual preferred stock
  • $1,805Common stock
  • $9,395Surplus
  • $16,079Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $48Income earned, not collected on loans
  • $0Earning assets
  • $1,835Long-term assets (5+ years)
  • $251,929Average Assets, year-to-date
  • $79,491Average Assets, quarterly
  • $264,664Volatile liabilities
  • $279,269Insider loans
  • $166,365FHLB advances
  • $272,528Loans and leases held for sale
  • $5,312Unused loan commitments
  • $4,214Tier 1 (core) risk-based capital
  • $23,260Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,098Total unused commitments
  • $23,564Restructured Loans and leases
  • $487Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,927Total interest income
  • $1,839Total interest expense
  • $9,088Net interest income
  • $180Provision for loan and lease losses
  • $2,101Total noninterest income
  • $0Fiduciary activities
  • $1,070Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,031Additional noninterest income
  • $7,847Total noninterest expense
  • $4,300Salaries and employee benefits
  • $1,185Premises and equipment expense
  • $2,362Additional noninterest expense
  • $3,162Pre-tax net operating income
  • $0Securities gains (losses)
  • $782Applicable income taxes
  • $2,380Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,380Net income attributable to bank
  • $0Net charge-offs
  • $2,380Cash dividends
  • -$43Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 9.17%Return on equity (ROE)
  • 9.17%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -418.60%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,131Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 3729.17%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 62.45%Net loans and leases to core deposits
  • 70.63%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 8.53%Tier 1 risk-based capital ratio
  • 13.98%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $264,664Average earning assets
  • $25,943Average equity
  • $233,755Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    017542Sage Capital Bank, National Association1606 North Sarah Dewitt Drive, Gonzales, TX 78629July 12, 1984Full Service Brick and Mortar
    2258085Lockhart Branch501 Colorado, Lockhart, TX 78644September 25, 1995Full Service Brick and Mortar
    341741Luling Branch121 South Magnolia Street, Luling, TX 78648April 01, 1934Full Service Brick and Mortar
    5424628American National Bank2106 Hunter Road, San Marcos, TX 78666December 29, 2003Full Service Brick and Mortar
    6500331New Braunfels Branch2009 State Highway 46, New Braunfels, TX 78132December 08, 2009Full Service Brick and Mortar
    7510428Shiner Branch1406 N. Avenue E, Shiner, TX 77984April 26, 2010Full Service Brick and Mortar

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