Call reports 2022
FIRST LOCKHART BANK — 2022
What FIRST LOCKHART BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 390,389,000 | 391,727,000 | 373,090,000 | 377,767,000 |
| Total loans | 235,387,000 | 237,326,000 | 243,869,000 | 254,663,000 |
| Allowance for loan losses | 3,118,000 | 3,152,000 | 3,189,000 | 3,228,000 |
| Securities available for sale | 68,946,000 | 67,126,000 | 69,770,000 | 68,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,243,000 | 359,923,000 | 340,950,000 | 344,403,000 |
| Interest-bearing deposits | 246,453,000 | 250,155,000 | 234,018,000 | 241,207,000 |
| Noninterest-bearing deposits | 110,791,000 | 109,768,000 | 106,932,000 | 103,196,000 |
| Equity capital | 31,078,000 | 29,523,000 | 29,484,000 | 30,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,209,000 | 6,516,000 | 10,158,000 | 14,155,000 |
| Interest expense | 168,000 | 347,000 | 575,000 | 1,089,000 |
| Net interest income | 3,041,000 | 6,169,000 | 9,583,000 | 13,066,000 |
| Noninterest income | 374,000 | 784,000 | 1,078,000 | 1,297,000 |
| Noninterest expense | 2,591,000 | 5,243,000 | 7,987,000 | 10,752,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 785,000 | 1,632,000 | 2,557,000 | 3,455,000 |
| Income tax | 154,000 | 320,000 | 503,000 | 674,000 |
| Net income | 631,000 | 1,312,000 | 2,054,000 | 2,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,520,000 | 32,842,000 | 33,255,000 | 33,792,000 |
| Total capital | 35,449,000 | 35,762,000 | 36,136,000 | 36,892,000 |
| Risk-weighted assets | 234,117,000 | 233,352,000 | 230,153,000 | 247,852,000 |