Call reports 2013
AUSTIN CAPITAL BANK SSB — 2013
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,775,000 | 56,147,000 | 56,063,000 | 55,616,000 |
| Total loans | 33,545,000 | 35,258,000 | 38,470,000 | 40,900,000 |
| Allowance for loan losses | 548,000 | 517,000 | 529,000 | 530,000 |
| Securities available for sale | 594,000 | 977,000 | 2,806,000 | 2,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,278,000 | 45,120,000 | 45,004,000 | 44,170,000 |
| Interest-bearing deposits | 31,642,000 | 42,808,000 | 42,099,000 | 41,775,000 |
| Noninterest-bearing deposits | 2,636,000 | 2,312,000 | 2,905,000 | 2,395,000 |
| Equity capital | 6,075,000 | 6,162,000 | 6,187,000 | 6,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 539,000 | 1,140,000 | 1,756,000 | 2,412,000 |
| Interest expense | 100,000 | 215,000 | 356,000 | 496,000 |
| Net interest income | 439,000 | 925,000 | 1,400,000 | 1,916,000 |
| Noninterest income | 14,000 | 24,000 | 33,000 | 42,000 |
| Noninterest expense | 442,000 | 879,000 | 1,365,000 | 1,819,000 |
| Provision for loan losses | -35,000 | -70,000 | -105,000 | -105,000 |
| Pretax income | 46,000 | 140,000 | 173,000 | 244,000 |
| Income tax | 3,000 | 8,000 | 9,000 | 14,000 |
| Net income | 43,000 | 132,000 | 164,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,068,000 | 6,158,000 | 6,189,000 | 6,306,000 |
| Total capital | 6,424,000 | 6,535,000 | 6,639,000 | 6,776,000 |
| Risk-weighted assets | 28,266,000 | 29,950,000 | 35,985,000 | 37,506,000 |