Call reports 2012
FIRST LOCKHART BANK — 2012
What FIRST LOCKHART BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,232,000 | 159,765,000 | 167,496,000 | 178,521,000 |
| Total loans | 109,381,000 | 107,896,000 | 115,103,000 | 121,557,000 |
| Allowance for loan losses | 2,088,000 | 2,126,000 | 2,179,000 | 2,219,000 |
| Securities available for sale | 29,504,000 | 31,219,000 | 29,709,000 | 27,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,606,000 | 141,859,000 | 148,984,000 | 158,887,000 |
| Interest-bearing deposits | 112,092,000 | 109,590,000 | 114,576,000 | 124,281,000 |
| Noninterest-bearing deposits | 32,514,000 | 32,269,000 | 34,408,000 | 34,606,000 |
| Equity capital | 15,478,000 | 15,797,000 | 16,173,000 | 16,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,648,000 | 5,463,000 | 7,326,000 |
| Interest expense | 226,000 | 457,000 | 676,000 | 898,000 |
| Net interest income | 1,609,000 | 3,191,000 | 4,787,000 | 6,428,000 |
| Noninterest income | 530,000 | 1,083,000 | 1,694,000 | 2,310,000 |
| Noninterest expense | 1,537,000 | 3,038,000 | 4,593,000 | 6,260,000 |
| Provision for loan losses | 90,000 | 180,000 | 225,000 | 270,000 |
| Pretax income | 512,000 | 1,056,000 | 1,663,000 | 2,208,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 14,000 |
| Net income | 507,000 | 1,047,000 | 1,649,000 | 2,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,348,000 | 14,632,000 | 14,961,000 | 15,248,000 |
| Total capital | 15,712,000 | 16,011,000 | 16,426,000 | 16,787,000 |
| Risk-weighted assets | 108,357,000 | 109,609,000 | 116,477,000 | 122,464,000 |