Call reports 2013
FIRST LOCKHART BANK — 2013
What FIRST LOCKHART BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 174,339,000 | 179,138,000 | 184,559,000 | 190,406,000 |
| Total loans | 122,190,000 | 129,326,000 | 133,591,000 | 136,879,000 |
| Allowance for loan losses | 2,279,000 | 2,237,000 | 2,308,000 | 2,409,000 |
| Securities available for sale | 32,160,000 | 29,565,000 | 28,342,000 | 28,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,839,000 | 154,460,000 | 164,011,000 | 169,636,000 |
| Interest-bearing deposits | 120,383,000 | 118,639,000 | 123,672,000 | 130,991,000 |
| Noninterest-bearing deposits | 34,456,000 | 35,821,000 | 40,339,000 | 38,645,000 |
| Equity capital | 16,304,000 | 16,378,000 | 16,114,000 | 16,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,762,000 | 5,774,000 | 7,772,000 |
| Interest expense | 233,000 | 466,000 | 701,000 | 935,000 |
| Net interest income | 1,612,000 | 3,296,000 | 5,073,000 | 6,837,000 |
| Noninterest income | 567,000 | 1,290,000 | 1,914,000 | 2,577,000 |
| Noninterest expense | 1,789,000 | 3,526,000 | 5,277,000 | 7,139,000 |
| Provision for loan losses | 60,000 | 130,000 | 220,000 | 310,000 |
| Pretax income | 330,000 | 945,000 | 1,533,000 | 2,008,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 18,000 |
| Net income | 326,000 | 936,000 | 1,519,000 | 1,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,399,000 | 15,791,000 | 16,015,000 | 16,227,000 |
| Total capital | 16,932,000 | 17,376,000 | 17,653,000 | 17,911,000 |
| Risk-weighted assets | 121,887,000 | 126,117,000 | 130,358,000 | 133,984,000 |