Call reports 2021
AUSTIN CAPITAL BANK SSB — 2021
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 341,214,000 | 383,436,000 | 423,361,000 | 414,678,000 |
| Total loans | 299,718,000 | 331,389,000 | 356,003,000 | 340,897,000 |
| Allowance for loan losses | 858,000 | 865,000 | 922,000 | 947,000 |
| Securities available for sale | 1,190,000 | 1,138,000 | 1,083,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,695,000 | 350,387,000 | 389,553,000 | 381,232,000 |
| Interest-bearing deposits | 298,661,000 | 342,614,000 | 382,836,000 | 369,501,000 |
| Noninterest-bearing deposits | 9,034,000 | 7,773,000 | 6,717,000 | 11,731,000 |
| Equity capital | 24,191,000 | 25,939,000 | 27,511,000 | 28,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,956,000 | 10,956,000 | 17,635,000 | 24,314,000 |
| Interest expense | 141,000 | 202,000 | 250,000 | 291,000 |
| Net interest income | 4,815,000 | 10,754,000 | 17,385,000 | 24,023,000 |
| Noninterest income | 7,156,000 | 12,924,000 | 19,508,000 | 24,943,000 |
| Noninterest expense | 10,997,000 | 20,380,000 | 32,438,000 | 43,580,000 |
| Provision for loan losses | 15,000 | 45,000 | 150,000 | 206,000 |
| Pretax income | 959,000 | 3,253,000 | 4,305,000 | 5,198,000 |
| Income tax | 218,000 | 764,000 | 1,034,000 | 1,073,000 |
| Net income | 741,000 | 2,489,000 | 3,271,000 | 4,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,168,000 | 25,916,000 | 27,491,000 | 28,135,000 |
| Total capital | 24,717,000 | 26,369,000 | 27,899,000 | 28,522,000 |
| Risk-weighted assets | 43,584,000 | 35,813,000 | 32,104,000 | 30,424,000 |