Call reports 2020
AUSTIN CAPITAL BANK SSB — 2020
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 152,344,000 | 194,774,000 | 226,474,000 | 291,816,000 |
| Total loans | 107,637,000 | 126,260,000 | 184,666,000 | 227,040,000 |
| Allowance for loan losses | 862,000 | 858,000 | 858,000 | 858,000 |
| Securities available for sale | 1,944,000 | 1,873,000 | 1,814,000 | 752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,593,000 | 170,392,000 | 192,811,000 | 241,988,000 |
| Interest-bearing deposits | 98,939,000 | 128,716,000 | 178,830,000 | 227,610,000 |
| Noninterest-bearing deposits | 16,654,000 | 41,676,000 | 13,981,000 | 14,378,000 |
| Equity capital | 14,100,000 | 15,372,000 | 16,948,000 | 18,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 4,033,000 | 6,980,000 | 10,664,000 |
| Interest expense | 494,000 | 884,000 | 1,236,000 | 1,533,000 |
| Net interest income | 1,235,000 | 3,149,000 | 5,744,000 | 9,131,000 |
| Noninterest income | 4,582,000 | 10,410,000 | 17,123,000 | 23,919,000 |
| Noninterest expense | 5,773,000 | 11,864,000 | 19,275,000 | 27,506,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 1,695,000 | 3,592,000 | 5,544,000 |
| Income tax | 35,000 | 391,000 | 710,000 | 1,154,000 |
| Net income | 9,000 | 1,304,000 | 2,882,000 | 4,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,046,000 | 15,341,000 | 16,919,000 | 18,427,000 |
| Total capital | 14,801,000 | 15,889,000 | 17,505,000 | 19,033,000 |
| Risk-weighted assets | 60,362,000 | 43,571,000 | 46,633,000 | 48,231,000 |