Call reports 2006
FIRST LOCKHART BANK — 2006
What FIRST LOCKHART BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 109,821,000 | 109,706,000 | 113,153,000 | 116,415,000 |
| Total loans | 77,572,000 | 78,395,000 | 80,997,000 | 80,070,000 |
| Allowance for loan losses | 928,000 | 942,000 | 947,000 | 965,000 |
| Securities available for sale | 20,086,000 | 19,098,000 | 18,778,000 | 23,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,754,000 | 97,716,000 | 99,455,000 | 103,876,000 |
| Interest-bearing deposits | 70,408,000 | 71,318,000 | 73,130,000 | 77,240,000 |
| Noninterest-bearing deposits | 25,346,000 | 26,398,000 | 26,325,000 | 26,636,000 |
| Equity capital | 10,210,000 | 10,045,000 | 10,614,000 | 10,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,487,000 | 3,039,000 | 4,650,000 | 6,316,000 |
| Interest expense | 365,000 | 778,000 | 1,232,000 | 1,739,000 |
| Net interest income | 1,122,000 | 2,261,000 | 3,418,000 | 4,577,000 |
| Noninterest income | 343,000 | 637,000 | 931,000 | 1,230,000 |
| Noninterest expense | 1,049,000 | 2,129,000 | 3,166,000 | 4,211,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 45,000 |
| Pretax income | 401,000 | 739,000 | 1,153,000 | 1,551,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 401,000 | 739,000 | 1,153,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,843,000 | 11,044,000 | 11,290,000 | 10,971,000 |
| Total capital | 11,771,000 | 11,986,000 | 12,237,000 | 11,936,000 |
| Risk-weighted assets | 83,159,000 | 83,959,000 | 86,496,000 | 86,829,000 |