Call reports 2009
AUSTIN CAPITAL BANK SSB — 2009
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,555,000 | 54,028,000 | 45,019,000 | 42,208,000 |
| Total loans | 28,590,000 | 26,615,000 | 25,643,000 | 27,042,000 |
| Allowance for loan losses | 428,000 | 692,000 | 526,000 | 441,000 |
| Securities available for sale | 6,359,000 | 5,535,000 | 5,093,000 | 4,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,813,000 | 44,656,000 | 36,346,000 | 33,018,000 |
| Interest-bearing deposits | 38,597,000 | 40,594,000 | 33,001,000 | 29,803,000 |
| Noninterest-bearing deposits | 3,217,000 | 4,062,000 | 3,345,000 | 3,215,000 |
| Equity capital | 6,292,000 | 5,907,000 | 5,393,000 | 5,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,251,000 | 1,810,000 | 2,414,000 |
| Interest expense | 319,000 | 632,000 | 882,000 | 1,071,000 |
| Net interest income | 293,000 | 619,000 | 928,000 | 1,343,000 |
| Noninterest income | 19,000 | 40,000 | 64,000 | 82,000 |
| Noninterest expense | 505,000 | 989,000 | 1,782,000 | 2,323,000 |
| Provision for loan losses | 215,000 | 480,000 | 545,000 | 620,000 |
| Pretax income | -408,000 | -810,000 | -1,335,000 | -1,518,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 14,000 |
| Net income | -411,000 | -817,000 | -1,345,000 | -1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,254,000 | 5,874,000 | 5,346,000 | 5,909,000 |
| Total capital | 6,627,000 | 6,227,000 | 5,664,000 | 6,231,000 |
| Risk-weighted assets | 29,749,000 | 27,931,000 | 25,251,000 | 25,678,000 |