Call reports 2016
FIRST LOCKHART BANK — 2016
What FIRST LOCKHART BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,396,000 | 234,075,000 | 246,802,000 | 248,184,000 |
| Total loans | 171,200,000 | 176,387,000 | 171,865,000 | 173,756,000 |
| Allowance for loan losses | 2,701,000 | 2,772,000 | 2,818,000 | 2,863,000 |
| Securities available for sale | 35,714,000 | 35,139,000 | 41,919,000 | 43,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,891,000 | 210,848,000 | 223,410,000 | 223,891,000 |
| Interest-bearing deposits | 151,114,000 | 163,471,000 | 171,653,000 | 175,211,000 |
| Noninterest-bearing deposits | 47,777,000 | 47,377,000 | 51,757,000 | 48,680,000 |
| Equity capital | 19,790,000 | 20,418,000 | 20,476,000 | 21,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,286,000 | 4,645,000 | 7,040,000 | 9,468,000 |
| Interest expense | 290,000 | 599,000 | 932,000 | 1,272,000 |
| Net interest income | 1,996,000 | 4,046,000 | 6,108,000 | 8,196,000 |
| Noninterest income | 537,000 | 1,419,000 | 1,854,000 | 2,404,000 |
| Noninterest expense | 1,920,000 | 3,904,000 | 5,870,000 | 7,908,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 580,000 | 1,523,000 | 2,009,000 | 2,564,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 6,000 |
| Net income | 578,000 | 1,520,000 | 2,004,000 | 2,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,284,000 | 19,810,000 | 19,914,000 | 22,076,000 |
| Total capital | 21,407,000 | 21,986,000 | 22,107,000 | 24,268,000 |
| Risk-weighted assets | 169,281,000 | 173,515,000 | 174,844,000 | 174,710,000 |