Call reports 2014
FIRST LOCKHART BANK — 2014
What FIRST LOCKHART BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 189,165,000 | 190,348,000 | 203,508,000 | 207,154,000 |
| Total loans | 137,762,000 | 143,324,000 | 146,405,000 | 144,694,000 |
| Allowance for loan losses | 2,299,000 | 2,375,000 | 2,497,000 | 2,501,000 |
| Securities available for sale | 27,737,000 | 27,448,000 | 29,861,000 | 40,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,282,000 | 168,197,000 | 180,632,000 | 186,340,000 |
| Interest-bearing deposits | 127,849,000 | 128,953,000 | 137,433,000 | 141,767,000 |
| Noninterest-bearing deposits | 40,433,000 | 39,244,000 | 43,199,000 | 44,573,000 |
| Equity capital | 16,370,000 | 16,786,000 | 17,509,000 | 18,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,957,000 | 6,021,000 | 8,104,000 |
| Interest expense | 232,000 | 460,000 | 711,000 | 982,000 |
| Net interest income | 1,727,000 | 3,497,000 | 5,310,000 | 7,122,000 |
| Noninterest income | 577,000 | 1,131,000 | 1,861,000 | 2,372,000 |
| Noninterest expense | 2,115,000 | 3,988,000 | 5,813,000 | 7,641,000 |
| Provision for loan losses | 40,000 | 115,000 | 220,000 | 325,000 |
| Pretax income | 257,000 | 633,000 | 1,246,000 | 1,654,000 |
| Income tax | 4,000 | 5,000 | 7,000 | 9,000 |
| Net income | 253,000 | 628,000 | 1,239,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,378,000 | 16,576,000 | 17,396,000 | 17,858,000 |
| Total capital | 18,057,000 | 18,307,000 | 19,194,000 | 19,647,000 |
| Risk-weighted assets | 133,678,000 | 137,843,000 | 143,181,000 | 142,385,000 |