Call reports 2023
AUSTIN CAPITAL BANK SSB — 2023
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 300,119,000 | 286,725,000 | 279,224,000 | 288,577,000 |
| Total loans | 254,393,000 | 241,231,000 | 236,845,000 | 236,946,000 |
| Allowance for loan losses | 1,050,000 | 1,046,000 | 1,068,000 | 1,078,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,991,000 | 242,433,000 | 234,375,000 | 245,676,000 |
| Interest-bearing deposits | 251,070,000 | 233,846,000 | 227,565,000 | 238,792,000 |
| Noninterest-bearing deposits | 8,921,000 | 8,587,000 | 6,810,000 | 6,884,000 |
| Equity capital | 30,271,000 | 31,105,000 | 32,628,000 | 31,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,568,000 | 10,778,000 | 16,041,000 | 21,298,000 |
| Interest expense | 20,000 | 101,000 | 414,000 | 870,000 |
| Net interest income | 5,548,000 | 10,677,000 | 15,627,000 | 20,428,000 |
| Noninterest income | 940,000 | 3,919,000 | 4,746,000 | 5,625,000 |
| Noninterest expense | 7,431,000 | 14,463,000 | 20,844,000 | 27,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -943,000 | 133,000 | -471,000 | -1,778,000 |
| Income tax | -197,000 | 50,000 | -76,000 | 40,000 |
| Net income | -746,000 | 83,000 | -395,000 | -1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,271,000 | 31,105,000 | 32,628,000 | 31,205,000 |
| Total capital | 30,850,000 | 31,729,000 | 33,303,000 | 31,910,000 |
| Risk-weighted assets | 45,833,000 | 49,475,000 | 53,645,000 | 55,988,000 |