Call reports 2017
AUSTIN CAPITAL BANK SSB — 2017
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 113,313,000 | 111,100,000 | 120,702,000 | 116,993,000 |
| Total loans | 81,468,000 | 85,754,000 | 95,112,000 | 89,715,000 |
| Allowance for loan losses | 595,000 | 650,000 | 837,000 | 837,000 |
| Securities available for sale | 2,762,000 | 2,553,000 | 2,484,000 | 2,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,931,000 | 1,304,000 | 0 | 0 |
| Total deposits | 90,151,000 | 88,023,000 | 97,366,000 | 94,969,000 |
| Interest-bearing deposits | 86,764,000 | 84,226,000 | 93,233,000 | 90,053,000 |
| Noninterest-bearing deposits | 3,387,000 | 3,797,000 | 4,133,000 | 4,916,000 |
| Equity capital | 11,666,000 | 11,966,000 | 12,243,000 | 12,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 3,058,000 | 4,854,000 | 6,670,000 |
| Interest expense | 218,000 | 423,000 | 636,000 | 850,000 |
| Net interest income | 1,247,000 | 2,635,000 | 4,218,000 | 5,820,000 |
| Noninterest income | 74,000 | 148,000 | 232,000 | 289,000 |
| Noninterest expense | 876,000 | 1,845,000 | 2,887,000 | 4,120,000 |
| Provision for loan losses | 0 | 55,000 | 242,000 | 242,000 |
| Pretax income | 445,000 | 883,000 | 1,321,000 | 1,747,000 |
| Income tax | 130,000 | 292,000 | 453,000 | 621,000 |
| Net income | 315,000 | 591,000 | 868,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,456,000 | 11,731,000 | 11,892,000 | 12,280,000 |
| Total capital | 12,051,000 | 12,381,000 | 12,663,000 | 12,996,000 |
| Risk-weighted assets | 57,456,000 | 59,120,000 | 61,566,000 | 57,160,000 |