Call reports 2025
FIRST LOCKHART BANK — 2025
What FIRST LOCKHART BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 390,344,000 | 378,764,000 | 386,137,000 | 397,918,000 |
| Total loans | 275,925,000 | 281,836,000 | 292,780,000 | 302,790,000 |
| Allowance for loan losses | 3,250,000 | 3,224,000 | 3,227,000 | 3,170,000 |
| Securities available for sale | 34,135,000 | 34,577,000 | 28,594,000 | 22,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,886,000 | 340,854,000 | 347,065,000 | 357,734,000 |
| Interest-bearing deposits | 265,396,000 | 254,826,000 | 259,922,000 | 278,291,000 |
| Noninterest-bearing deposits | 87,490,000 | 86,028,000 | 87,143,000 | 79,443,000 |
| Equity capital | 35,031,000 | 35,650,000 | 36,646,000 | 37,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,986,000 | 10,141,000 | 15,451,000 | 21,078,000 |
| Interest expense | 1,585,000 | 2,957,000 | 4,292,000 | 5,744,000 |
| Net interest income | 3,401,000 | 7,184,000 | 11,159,000 | 15,334,000 |
| Noninterest income | 277,000 | 492,000 | 727,000 | 949,000 |
| Noninterest expense | 3,027,000 | 6,117,000 | 9,084,000 | 12,402,000 |
| Provision for loan losses | 0 | 0 | 0 | -59,000 |
| Pretax income | 651,000 | 1,559,000 | 2,802,000 | 3,881,000 |
| Income tax | 127,000 | 303,000 | 552,000 | 747,000 |
| Net income | 524,000 | 1,256,000 | 2,250,000 | 3,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,862,000 | 36,298,000 | 37,041,000 | 37,539,000 |
| Total capital | 39,112,000 | 39,522,000 | 40,268,000 | — |
| Risk-weighted assets | 262,674,000 | 268,992,000 | 279,449,000 | — |