Call reports 2008
AUSTIN CAPITAL BANK SSB — 2008
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 39,092,000 | 42,899,000 | 41,844,000 | 44,766,000 |
| Total loans | 31,813,000 | 34,704,000 | 31,117,000 | 29,869,000 |
| Allowance for loan losses | 485,000 | 515,000 | 576,000 | 583,000 |
| Securities available for sale | 0 | 0 | 2,011,000 | 6,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,676,000 | 31,930,000 | 33,794,000 | 35,687,000 |
| Interest-bearing deposits | 23,196,000 | 28,350,000 | 31,520,000 | 33,331,000 |
| Noninterest-bearing deposits | 4,481,000 | 3,579,000 | 2,274,000 | 2,357,000 |
| Equity capital | 4,468,000 | 4,562,000 | 4,343,000 | 5,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,282,000 | 1,968,000 | 2,601,000 |
| Interest expense | 260,000 | 567,000 | 903,000 | 1,217,000 |
| Net interest income | 339,000 | 715,000 | 1,065,000 | 1,384,000 |
| Noninterest income | 103,000 | 252,000 | 334,000 | 390,000 |
| Noninterest expense | 625,000 | 1,340,000 | 1,944,000 | 2,616,000 |
| Provision for loan losses | 287,000 | 319,000 | 379,000 | 387,000 |
| Pretax income | -470,000 | -692,000 | -924,000 | -1,229,000 |
| Income tax | 6,000 | 6,000 | 8,000 | 12,000 |
| Net income | -476,000 | -698,000 | -932,000 | -1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,468,000 | 4,562,000 | 4,343,000 | 5,560,000 |
| Total capital | 4,873,000 | 4,990,000 | 4,706,000 | 5,927,000 |
| Risk-weighted assets | 32,458,000 | 34,060,000 | 28,856,000 | 29,182,000 |