Call reports 2025
AUSTIN COUNTY STATE BANK — 2025
What AUSTIN COUNTY STATE 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 | 417,616,000 | 423,098,000 | 442,713,000 | 478,154,000 |
| Total loans | 325,808,000 | 332,161,000 | 350,574,000 | 366,378,000 |
| Allowance for loan losses | 5,676,000 | 5,911,000 | 6,281,000 | 5,918,000 |
| Securities available for sale | 31,942,000 | 39,589,000 | 43,225,000 | 66,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,149,000 | 376,131,000 | 392,285,000 | 426,445,000 |
| Interest-bearing deposits | 286,703,000 | 288,183,000 | 301,474,000 | 333,287,000 |
| Noninterest-bearing deposits | 86,446,000 | 87,948,000 | 90,811,000 | 93,158,000 |
| Equity capital | 39,711,000 | 42,148,000 | 45,230,000 | 47,493,000 |
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 | 6,586,000 | 13,631,000 | 20,833,000 | 28,697,000 |
| Interest expense | 1,800,000 | 3,672,000 | 5,551,000 | 7,544,000 |
| Net interest income | 4,786,000 | 9,959,000 | 15,282,000 | 21,153,000 |
| Noninterest income | 344,000 | 712,000 | 1,103,000 | 1,407,000 |
| Noninterest expense | 2,687,000 | 5,129,000 | 8,066,000 | 11,759,000 |
| Provision for loan losses | 300,000 | 600,000 | 975,000 | 1,112,000 |
| Pretax income | 1,755,000 | 4,502,000 | 6,904,000 | 9,189,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,761,000 | 4,500,000 | 6,898,000 | 9,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,819,000 | 43,170,000 | 45,566,000 | 47,848,000 |