Call reports 2019
FIRST LOCKHART BANK — 2019
What FIRST LOCKHART BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 269,236,000 | 265,349,000 | 274,902,000 | 304,032,000 |
| Total loans | 190,126,000 | 192,467,000 | 196,020,000 | 195,621,000 |
| Allowance for loan losses | 2,978,000 | 3,007,000 | 3,029,000 | 3,031,000 |
| Securities available for sale | 47,103,000 | 43,241,000 | 42,102,000 | 49,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,496,000 | 236,320,000 | 245,216,000 | 273,929,000 |
| Interest-bearing deposits | 186,645,000 | 185,519,000 | 191,108,000 | 213,081,000 |
| Noninterest-bearing deposits | 53,852,000 | 50,802,000 | 54,109,000 | 60,847,000 |
| Equity capital | 25,675,000 | 26,557,000 | 27,027,000 | 27,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,867,000 | 5,762,000 | 8,789,000 | 11,832,000 |
| Interest expense | 597,000 | 1,204,000 | 1,877,000 | 2,526,000 |
| Net interest income | 2,270,000 | 4,558,000 | 6,912,000 | 9,306,000 |
| Noninterest income | 465,000 | 971,000 | 1,524,000 | 2,015,000 |
| Noninterest expense | 2,150,000 | 4,244,000 | 6,321,000 | 8,383,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 555,000 | 1,228,000 | 2,038,000 | 2,861,000 |
| Income tax | 106,000 | 230,000 | 383,000 | 538,000 |
| Net income | 449,000 | 998,000 | 1,655,000 | 2,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,268,000 | 26,587,000 | 26,979,000 | 27,425,000 |
| Total capital | 28,562,000 | 28,907,000 | 29,359,000 | 29,864,000 |
| Risk-weighted assets | 182,863,000 | 184,886,000 | 189,768,000 | 194,558,000 |