Call reports 2022
AUSTIN CAPITAL BANK SSB — 2022
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 418,791,000 | 399,371,000 | 359,455,000 | 328,171,000 |
| Total loans | 339,713,000 | 317,175,000 | 282,051,000 | 274,020,000 |
| Allowance for loan losses | 1,024,000 | 1,024,000 | 885,000 | 941,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,396,000 | 365,646,000 | 320,676,000 | 293,073,000 |
| Interest-bearing deposits | 367,485,000 | 347,663,000 | 309,477,000 | 283,726,000 |
| Noninterest-bearing deposits | 17,911,000 | 17,983,000 | 11,199,000 | 9,347,000 |
| Equity capital | 28,699,000 | 29,404,000 | 35,152,000 | 31,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,495,000 | 13,217,000 | 19,423,000 | 25,194,000 |
| Interest expense | 32,000 | 59,000 | 79,000 | 101,000 |
| Net interest income | 6,463,000 | 13,158,000 | 19,344,000 | 25,093,000 |
| Noninterest income | 5,220,000 | 9,881,000 | 14,048,000 | 15,564,000 |
| Noninterest expense | 10,602,000 | 21,046,000 | 31,207,000 | 43,231,000 |
| Provision for loan losses | 76,000 | 76,000 | 76,000 | 180,000 |
| Pretax income | 1,005,000 | 1,917,000 | 2,109,000 | -2,754,000 |
| Income tax | 231,000 | 438,000 | -118,000 | -869,000 |
| Net income | 774,000 | 1,479,000 | 2,227,000 | -1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,699,000 | 29,404,000 | 35,152,000 | 31,040,000 |
| Total capital | 29,113,000 | 29,795,000 | 35,552,000 | 31,552,000 |
| Risk-weighted assets | 32,524,000 | 30,651,000 | 31,547,000 | 40,561,000 |