Call reports 2009
FIRST LOCKHART BANK — 2009
What FIRST LOCKHART BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,585,000 | 131,877,000 | 150,542,000 | 147,680,000 |
| Total loans | 86,280,000 | 89,376,000 | 98,214,000 | 100,354,000 |
| Allowance for loan losses | 1,106,000 | 1,092,000 | 1,094,000 | 1,180,000 |
| Securities available for sale | 30,776,000 | 31,258,000 | 34,050,000 | 34,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,750,000 | 113,990,000 | 132,154,000 | 131,039,000 |
| Interest-bearing deposits | 88,275,000 | 87,709,000 | 107,195,000 | 103,726,000 |
| Noninterest-bearing deposits | 24,475,000 | 26,281,000 | 24,959,000 | 27,313,000 |
| Equity capital | 12,060,000 | 12,056,000 | 12,635,000 | 12,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,750,000 | 3,536,000 | 5,448,000 | 7,414,000 |
| Interest expense | 486,000 | 965,000 | 1,464,000 | 1,950,000 |
| Net interest income | 1,264,000 | 2,571,000 | 3,984,000 | 5,464,000 |
| Noninterest income | 449,000 | 918,000 | 1,436,000 | 1,922,000 |
| Noninterest expense | 1,219,000 | 2,510,000 | 3,819,000 | 5,144,000 |
| Provision for loan losses | 75,000 | 105,000 | 165,000 | 300,000 |
| Pretax income | 441,000 | 896,000 | 1,458,000 | 2,001,000 |
| Income tax | 9,000 | 12,000 | 12,000 | -18,000 |
| Net income | 432,000 | 884,000 | 1,446,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,296,000 | 11,506,000 | 11,812,000 | 12,100,000 |
| Total capital | 12,402,000 | 12,598,000 | 12,906,000 | 13,280,000 |
| Risk-weighted assets | 93,557,000 | 96,023,000 | 104,403,000 | 106,866,000 |