Call reports 2014
AUSTIN CAPITAL BANK SSB — 2014
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 59,967,000 | 66,068,000 | 70,173,000 | 71,885,000 |
| Total loans | 43,795,000 | 50,145,000 | 55,348,000 | 57,779,000 |
| Allowance for loan losses | 532,000 | 534,000 | 535,000 | 537,000 |
| Securities available for sale | 2,603,000 | 2,531,000 | 2,417,000 | 2,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,658,000 | 53,304,000 | 57,230,000 | 57,759,000 |
| Interest-bearing deposits | 45,482,000 | 47,970,000 | 52,217,000 | 52,438,000 |
| Noninterest-bearing deposits | 2,176,000 | 5,334,000 | 5,013,000 | 5,321,000 |
| Equity capital | 6,886,000 | 7,076,000 | 7,250,000 | 7,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,430,000 | 2,224,000 | 3,073,000 |
| Interest expense | 146,000 | 297,000 | 454,000 | 617,000 |
| Net interest income | 520,000 | 1,133,000 | 1,770,000 | 2,456,000 |
| Noninterest income | 8,000 | 50,000 | 69,000 | 106,000 |
| Noninterest expense | 449,000 | 920,000 | 1,382,000 | 1,925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 263,000 | 457,000 | 637,000 |
| Income tax | -485,000 | -479,000 | -473,000 | -473,000 |
| Net income | 564,000 | 742,000 | 930,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,578,000 | 6,784,000 | 7,011,000 | 7,253,000 |
| Total capital | 7,082,000 | 7,318,000 | 7,546,000 | 7,790,000 |
| Risk-weighted assets | 40,347,000 | 45,158,000 | 48,375,000 | 48,199,000 |