Call reports 2010
AUSTIN CAPITAL BANK SSB — 2010
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 40,724,000 | 39,894,000 | 37,713,000 | 39,296,000 |
| Total loans | 26,394,000 | 25,327,000 | 25,813,000 | 27,801,000 |
| Allowance for loan losses | 415,000 | 456,000 | 464,000 | 465,000 |
| Securities available for sale | 3,848,000 | 3,452,000 | 3,120,000 | 2,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,008,000 | 30,001,000 | 28,092,000 | 29,697,000 |
| Interest-bearing deposits | 28,168,000 | 27,795,000 | 26,243,000 | 26,588,000 |
| Noninterest-bearing deposits | 2,840,000 | 2,206,000 | 1,849,000 | 3,109,000 |
| Equity capital | 6,542,000 | 6,714,000 | 6,739,000 | 6,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,244,000 | 1,845,000 | 2,467,000 |
| Interest expense | 146,000 | 280,000 | 409,000 | 521,000 |
| Net interest income | 487,000 | 964,000 | 1,436,000 | 1,946,000 |
| Noninterest income | 29,000 | 49,000 | 69,000 | 91,000 |
| Noninterest expense | 494,000 | 1,010,000 | 1,490,000 | 2,012,000 |
| Provision for loan losses | 6,000 | -53,000 | -53,000 | -53,000 |
| Pretax income | 16,000 | 56,000 | 68,000 | 78,000 |
| Income tax | 5,000 | 9,000 | 13,000 | 16,000 |
| Net income | 11,000 | 47,000 | 55,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,502,000 | 6,638,000 | 6,646,000 | 6,654,000 |
| Total capital | 6,791,000 | 6,913,000 | 6,925,000 | 6,952,000 |
| Risk-weighted assets | 22,983,000 | 21,793,000 | 22,101,000 | 23,705,000 |