Call reports 2010
FIRST LOCKHART BANK — 2010
What FIRST LOCKHART BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 146,040,000 | 143,696,000 | 149,401,000 | 153,742,000 |
| Total loans | 97,434,000 | 97,180,000 | 95,046,000 | 95,667,000 |
| Allowance for loan losses | 1,268,000 | 1,324,000 | 1,401,000 | 1,523,000 |
| Securities available for sale | 33,209,000 | 31,688,000 | 32,220,000 | 29,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,262,000 | 127,378,000 | 132,471,000 | 137,407,000 |
| Interest-bearing deposits | 102,166,000 | 100,599,000 | 104,277,000 | 107,995,000 |
| Noninterest-bearing deposits | 27,096,000 | 26,779,000 | 28,194,000 | 29,412,000 |
| Equity capital | 13,287,000 | 13,749,000 | 14,337,000 | 13,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,773,000 | 5,626,000 | 7,439,000 |
| Interest expense | 391,000 | 757,000 | 1,109,000 | 1,439,000 |
| Net interest income | 1,522,000 | 3,016,000 | 4,517,000 | 6,000,000 |
| Noninterest income | 464,000 | 941,000 | 1,448,000 | 1,973,000 |
| Noninterest expense | 1,380,000 | 2,737,000 | 4,072,000 | 5,522,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 430,000 |
| Pretax income | 516,000 | 1,067,000 | 1,650,000 | 2,048,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 513,000 | 1,061,000 | 1,641,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,367,000 | 12,633,000 | 12,943,000 | 13,057,000 |
| Total capital | 13,635,000 | 13,923,000 | 14,190,000 | 14,308,000 |
| Risk-weighted assets | 103,348,000 | 103,196,000 | 99,566,000 | 99,826,000 |