Call reports 2007
AUSTIN CAPITAL BANK SSB — 2007
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,029,000 | 21,633,000 | 26,446,000 | 29,757,000 |
| Total loans | 13,397,000 | 17,755,000 | 20,337,000 | 23,008,000 |
| Allowance for loan losses | 120,000 | 154,000 | 154,000 | 202,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,995,000 | 14,496,000 | 18,918,000 | 21,283,000 |
| Interest-bearing deposits | 9,053,000 | 11,836,000 | 16,079,000 | 18,157,000 |
| Noninterest-bearing deposits | 1,942,000 | 2,660,000 | 2,839,000 | 3,127,000 |
| Equity capital | 4,766,000 | 4,554,000 | 4,450,000 | 4,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 307,000 | 722,000 | 1,233,000 | 1,751,000 |
| Interest expense | 102,000 | 253,000 | 458,000 | 693,000 |
| Net interest income | 205,000 | 469,000 | 775,000 | 1,058,000 |
| Noninterest income | 64,000 | 140,000 | 208,000 | 266,000 |
| Noninterest expense | 516,000 | 1,050,000 | 1,538,000 | 2,086,000 |
| Provision for loan losses | 22,000 | 56,000 | 56,000 | 104,000 |
| Pretax income | -269,000 | -497,000 | -611,000 | -866,000 |
| Income tax | 0 | 0 | 12,000 | 17,000 |
| Net income | -269,000 | -497,000 | -623,000 | -883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,766,000 | 4,554,000 | 4,450,000 | 4,214,000 |
| Total capital | 4,886,000 | 4,708,000 | 4,604,000 | 4,416,000 |
| Risk-weighted assets | 18,737,000 | 20,675,000 | 25,430,000 | 25,943,000 |
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