Call reports 2025
AUSTIN CAPITAL BANK SSB — 2025
What AUSTIN CAPITAL BANK SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 462,233,000 | 503,769,000 | 485,390,000 | 469,187,000 |
| Total loans | 403,186,000 | 440,393,000 | 425,763,000 | 409,490,000 |
| Allowance for loan losses | 1,570,000 | 1,576,000 | 1,589,000 | 1,593,000 |
| Securities available for sale | 8,871,000 | 7,152,000 | 6,456,000 | 6,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,451,000 | 430,914,000 | 391,240,000 | 373,388,000 |
| Interest-bearing deposits | 367,670,000 | 413,409,000 | 379,135,000 | 360,606,000 |
| Noninterest-bearing deposits | 8,781,000 | 17,505,000 | 12,105,000 | 12,782,000 |
| Equity capital | 37,691,000 | 38,770,000 | 40,290,000 | 41,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,694,000 | 17,848,000 | 26,970,000 | 35,619,000 |
| Interest expense | 1,610,000 | 3,085,000 | 4,284,000 | 5,373,000 |
| Net interest income | 7,084,000 | 14,763,000 | 22,686,000 | 30,246,000 |
| Noninterest income | 1,209,000 | 2,677,000 | 4,617,000 | 6,500,000 |
| Noninterest expense | 7,611,000 | 15,522,000 | 23,756,000 | 31,909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 721,000 | 1,957,000 | 3,586,000 | 4,837,000 |
| Income tax | 153,000 | 97,000 | 425,000 | -61,000 |
| Net income | 568,000 | 1,860,000 | 3,161,000 | 4,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,890,000 | 37,126,000 | 38,142,000 | 40,490,000 |
| Total capital | 37,320,000 | 38,551,000 | 39,450,000 | 41,879,000 |
| Risk-weighted assets | 114,277,000 | 113,842,000 | 104,370,000 | 110,974,000 |