Call reports 2020
AUSTIN COUNTY STATE BANK — 2020
What AUSTIN COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 198,877,000 | 241,325,000 | 256,183,000 | 258,215,000 |
| Total loans | 147,929,000 | 187,886,000 | 200,191,000 | 203,409,000 |
| Allowance for loan losses | 2,596,000 | 2,700,000 | 2,938,000 | 3,162,000 |
| Securities available for sale | 24,923,000 | 25,110,000 | 23,114,000 | 22,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,665,000 | 196,415,000 | 211,110,000 | 223,383,000 |
| Interest-bearing deposits | 137,402,000 | 143,836,000 | 157,812,000 | 167,059,000 |
| Noninterest-bearing deposits | 33,263,000 | 52,579,000 | 53,298,000 | 56,324,000 |
| Equity capital | 18,564,000 | 19,742,000 | 22,843,000 | 23,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,477,000 | 4,925,000 | 8,254,000 | 11,478,000 |
| Interest expense | 504,000 | 955,000 | 1,364,000 | 1,749,000 |
| Net interest income | 1,973,000 | 3,970,000 | 6,890,000 | 9,729,000 |
| Noninterest income | 182,000 | 386,000 | 603,000 | 717,000 |
| Noninterest expense | 1,481,000 | 2,841,000 | 4,738,000 | 6,607,000 |
| Provision for loan losses | 110,000 | 209,000 | 449,000 | 749,000 |
| Pretax income | 564,000 | 1,306,000 | 2,306,000 | 3,090,000 |
| Income tax | 0 | 0 | 24,000 | 39,000 |
| Net income | 559,000 | 1,274,000 | 2,230,000 | 2,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,127,000 | 18,833,000 | 21,793,000 | 22,550,000 |
| Total capital | 19,975,000 | 20,679,000 | 23,838,000 | 24,847,000 |
| Risk-weighted assets | 147,073,000 | 146,860,000 | 162,711,000 | 182,952,000 |