Call reports 2016
AUSTIN CAPITAL BANK SSB — 2016
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 89,453,000 | 95,826,000 | 102,122,000 | 102,179,000 |
| Total loans | 71,149,000 | 73,217,000 | 74,208,000 | 79,068,000 |
| Allowance for loan losses | 545,000 | 595,000 | 595,000 | 595,000 |
| Securities available for sale | 1,984,000 | 1,917,000 | 1,823,000 | 2,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,394,000 | 74,320,000 | 79,920,000 | 79,518,000 |
| Interest-bearing deposits | 66,306,000 | 71,435,000 | 76,488,000 | 76,404,000 |
| Noninterest-bearing deposits | 4,088,000 | 2,885,000 | 3,432,000 | 3,114,000 |
| Equity capital | 10,067,000 | 10,794,000 | 11,059,000 | 11,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,095,000 | 3,214,000 | 4,481,000 |
| Interest expense | 190,000 | 399,000 | 631,000 | 850,000 |
| Net interest income | 834,000 | 1,696,000 | 2,583,000 | 3,631,000 |
| Noninterest income | 157,000 | 238,000 | 325,000 | 391,000 |
| Noninterest expense | 693,000 | 1,244,000 | 1,809,000 | 2,425,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 298,000 | 640,000 | 1,049,000 | 1,547,000 |
| Income tax | 94,000 | 219,000 | 367,000 | 506,000 |
| Net income | 204,000 | 421,000 | 682,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,706,000 | 10,541,000 | 10,940,000 | 11,214,000 |
| Total capital | 10,251,000 | 11,136,000 | 11,535,000 | 11,809,000 |
| Risk-weighted assets | 59,520,000 | 59,016,000 | 58,408,000 | 58,676,000 |