Call reports 2015
AUSTIN CAPITAL BANK SSB — 2015
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,434,000 | 75,582,000 | 83,036,000 | 88,387,000 |
| Total loans | 54,189,000 | 58,800,000 | 64,178,000 | 66,399,000 |
| Allowance for loan losses | 539,000 | 542,000 | 544,000 | 545,000 |
| Securities available for sale | 2,302,000 | 2,201,000 | 2,129,000 | 2,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,655,000 | 59,291,000 | 66,831,000 | 69,346,000 |
| Interest-bearing deposits | 52,256,000 | 56,518,000 | 62,442,000 | 64,733,000 |
| Noninterest-bearing deposits | 4,399,000 | 2,773,000 | 4,389,000 | 4,613,000 |
| Equity capital | 7,649,000 | 9,002,000 | 9,166,000 | 9,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,683,000 | 2,593,000 | 3,570,000 |
| Interest expense | 159,000 | 320,000 | 490,000 | 669,000 |
| Net interest income | 667,000 | 1,363,000 | 2,103,000 | 2,901,000 |
| Noninterest income | 8,000 | 16,000 | 24,000 | 272,000 |
| Noninterest expense | 484,000 | 990,000 | 1,501,000 | 2,028,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 389,000 | 626,000 | 1,145,000 |
| Income tax | 6,000 | -166,000 | -79,000 | 98,000 |
| Net income | 185,000 | 555,000 | 705,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,061,000 | 8,304,000 | 8,534,000 | 9,403,000 |
| Total capital | 7,600,000 | 8,846,000 | 9,078,000 | 9,948,000 |
| Risk-weighted assets | 45,609,000 | 48,897,000 | 53,513,000 | 57,357,000 |