Call reports 2007
FIRST LOCKHART BANK — 2007
What FIRST LOCKHART BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,490,000 | 115,203,000 | 119,676,000 | 121,445,000 |
| Total loans | 81,195,000 | 83,396,000 | 83,225,000 | 82,280,000 |
| Allowance for loan losses | 953,000 | 981,000 | 966,000 | 967,000 |
| Securities available for sale | 23,396,000 | 22,132,000 | 21,691,000 | 22,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,939,000 | 98,680,000 | 102,366,000 | 104,327,000 |
| Interest-bearing deposits | 74,481,000 | 73,066,000 | 76,184,000 | 78,644,000 |
| Noninterest-bearing deposits | 27,458,000 | 25,614,000 | 26,182,000 | 25,683,000 |
| Equity capital | 10,440,000 | 10,328,000 | 11,050,000 | 10,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,431,000 | 5,219,000 | 7,036,000 |
| Interest expense | 518,000 | 1,077,000 | 1,729,000 | 2,406,000 |
| Net interest income | 1,176,000 | 2,354,000 | 3,490,000 | 4,630,000 |
| Noninterest income | 314,000 | 654,000 | 1,288,000 | 1,638,000 |
| Noninterest expense | 1,090,000 | 2,103,000 | 3,180,000 | 4,302,000 |
| Provision for loan losses | 15,000 | 30,000 | 39,000 | 55,000 |
| Pretax income | 385,000 | 875,000 | 1,559,000 | 1,911,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 373,000 | 851,000 | 1,523,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,937,000 | 11,211,000 | 11,565,000 | 10,874,000 |
| Total capital | 11,890,000 | 12,192,000 | 12,531,000 | 11,841,000 |
| Risk-weighted assets | 87,684,000 | 90,574,000 | 90,763,000 | 90,232,000 |