Call reports 2012
AUSTIN CAPITAL BANK SSB — 2012
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 37,185,000 | 41,637,000 | 43,322,000 | 41,140,000 |
| Total loans | 26,792,000 | 29,809,000 | 31,447,000 | 33,270,000 |
| Allowance for loan losses | 583,000 | 586,000 | 578,000 | 580,000 |
| Securities available for sale | 1,097,000 | 954,000 | 835,000 | 704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,823,000 | 33,344,000 | 34,269,000 | 31,805,000 |
| Interest-bearing deposits | 27,314,000 | 30,846,000 | 32,606,000 | 30,355,000 |
| Noninterest-bearing deposits | 1,509,000 | 2,498,000 | 1,663,000 | 1,450,000 |
| Equity capital | 6,015,000 | 6,016,000 | 6,020,000 | 6,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 1,008,000 | 1,537,000 | 2,102,000 |
| Interest expense | 80,000 | 168,000 | 267,000 | 370,000 |
| Net interest income | 412,000 | 840,000 | 1,270,000 | 1,732,000 |
| Noninterest income | 148,000 | 173,000 | 182,000 | 192,000 |
| Noninterest expense | 553,000 | 990,000 | 1,455,000 | 1,906,000 |
| Provision for loan losses | 0 | 0 | -26,000 | -26,000 |
| Pretax income | 7,000 | 23,000 | 23,000 | 44,000 |
| Income tax | 3,000 | 7,000 | 6,000 | 9,000 |
| Net income | 4,000 | 16,000 | 17,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,994,000 | 6,006,000 | 6,007,000 | 6,025,000 |
| Total capital | 6,303,000 | 6,336,000 | 6,352,000 | 6,384,000 |
| Risk-weighted assets | 24,478,000 | 26,170,000 | 27,305,000 | 28,533,000 |