Call reports 2024
AUSTIN CAPITAL BANK SSB — 2024
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 310,285,000 | 368,382,000 | 417,854,000 | 458,955,000 |
| Total loans | 262,509,000 | 314,271,000 | 359,318,000 | 395,383,000 |
| Allowance for loan losses | 1,087,000 | 1,325,000 | 1,501,000 | 1,566,000 |
| Securities available for sale | 3,612,000 | 7,833,000 | 7,683,000 | 9,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,702,000 | 311,070,000 | 340,078,000 | 366,023,000 |
| Interest-bearing deposits | 256,462,000 | 304,208,000 | 333,044,000 | 359,725,000 |
| Noninterest-bearing deposits | 6,240,000 | 6,862,000 | 7,034,000 | 6,298,000 |
| Equity capital | 31,168,000 | 33,507,000 | 36,163,000 | 36,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,535,000 | 12,124,000 | 19,716,000 | 27,969,000 |
| Interest expense | 550,000 | 1,334,000 | 2,470,000 | 4,000,000 |
| Net interest income | 4,985,000 | 10,790,000 | 17,246,000 | 23,969,000 |
| Noninterest income | 1,082,000 | 2,282,000 | 3,406,000 | 3,425,000 |
| Noninterest expense | 7,252,000 | 13,898,000 | 20,970,000 | 28,902,000 |
| Provision for loan losses | 0 | 235,000 | 338,000 | 386,000 |
| Pretax income | -1,185,000 | -1,061,000 | -656,000 | -1,894,000 |
| Income tax | 21,000 | 21,000 | 20,000 | -2,153,000 |
| Net income | -1,206,000 | -1,082,000 | -676,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,999,000 | 33,123,000 | 35,529,000 | 35,357,000 |
| Total capital | 31,837,000 | 34,168,000 | 36,718,000 | 36,742,000 |
| Risk-weighted assets | 66,800,000 | 83,289,000 | 94,808,000 | 110,647,000 |