Call reports 2015
AUSTIN COUNTY STATE BANK — 2015
What AUSTIN COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,247,000 | 126,428,000 | 128,421,000 | 125,421,000 |
| Total loans | 94,595,000 | 95,467,000 | 95,974,000 | 97,163,000 |
| Allowance for loan losses | 1,640,000 | 1,719,000 | 1,754,000 | 1,785,000 |
| Securities available for sale | 17,928,000 | 17,134,000 | 17,369,000 | 19,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,691,000 | 112,371,000 | 113,719,000 | 111,972,000 |
| Interest-bearing deposits | 92,280,000 | 91,910,000 | 93,163,000 | 93,439,000 |
| Noninterest-bearing deposits | 18,411,000 | 20,461,000 | 20,556,000 | 18,533,000 |
| Equity capital | 11,375,000 | 11,852,000 | 12,445,000 | 12,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,906,000 | 4,374,000 | 5,858,000 |
| Interest expense | 172,000 | 348,000 | 531,000 | 720,000 |
| Net interest income | 1,273,000 | 2,558,000 | 3,843,000 | 5,138,000 |
| Noninterest income | 97,000 | 190,000 | 300,000 | 365,000 |
| Noninterest expense | 810,000 | 1,601,000 | 2,423,000 | 3,245,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 315,000 |
| Pretax income | 470,000 | 967,000 | 1,450,000 | 1,943,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 470,000 | 967,000 | 1,450,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,189,000 | 11,684,000 | 12,168,000 | 11,911,000 |
| Total capital | 12,300,000 | 12,805,000 | 13,325,000 | 13,079,000 |
| Risk-weighted assets | 88,917,000 | 89,058,000 | 91,961,000 | 92,796,000 |