Sage Capital Bank, National Association

Sage Capital Bank, National Association is headquartered in Gonzales and is the 175^th largest bank in the state of Texas. It is also the 2,209^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 75 employees at 6 locations. Sage Capital Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Sage Capital Bank, National Association FDIC Certificate # 25621 BankRate Report View Year Established 1984 Employees 75 Primary Regulator OCC Assets and Liabilities Assets $295.61 million Loans $151.11 million Deposits $266.66 million Equity Capital $27.81 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $141,000 Historic Data - March 2011 Assets $254.01 million Equity Capital $25.14 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $31,000 Real Estate Owned $972,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.63% Return on Equity 6.7% Interest Income $2.74 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Sage Capital Bank, National Association had $141,000 in non-current loans and owned real-estate with $29.66 million in equity and loan loss allowances on hand to cover it. This gives Sage Capital Bank, National Association a Texas Ratio of 0.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sage Capital Bank, National Association decreased significantly from 4.08% as of March 31, 2011 to 0.48% as of March 31, 2012, resulting in a positive change of 88.36%.This indicates that the balance sheet and financial strength for Sage Capital Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Sage Capital Bank, National Association has increased its total deposits by $38.8 million, resulting in 17.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sage Capital Bank, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sage Capital Bank, National Association has $295.61 million in assets with $29.66 million in equity, resulting in a capitalization level of 10.03%, which is above average.

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