First-Lockhart National Bank in Lockhart, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First-Lockhart National Bank - Overview

  • General
  • FDIC Certificate #: 13599
    Status: Active
    Federal Reserve ID: 631150
    Bank Holding Company (Regulatory Top Holder): Lockhart Bankshares, Inc. (RSSDID: 1995998, Location: Lockhart, TX)
    Date Established: January 09, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8504
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 09, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Main Street, Lockhart, TX 78644
    County: Caldwell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $159.9 mil
    Equity capital: $15.4 mil
    Deposits held in domestic offices: $142.2 mil
    Return on assets (ROA): 1.56% ($2.5 mil)
    Quarterly return on assets: 1.12% ($1.8 mil)
    Return on Equity (ROE): 16.49% ($2.5 mil)
    Quarterly return on equity: 11.53% ($1.7 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.56% ($2,494.6 mil)
    Quarterly Pretax return on assets: 1.13% ($1,807.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $159,912Total assets
  • $13,301Cash and due from depository institutions
  • $8,784Interest-bearing balances
  • $31,060Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,120Net loans & leases
  • $1,996Loan loss allowance
  • $0Trading account assets
  • $2,559Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $159,912Life insurance assets
  • $5,872All other assets
  • $144,547Total liabilities and capital
  • $142,232Total liabilities
  • $109,197Total deposits
  • $142,232Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $226Trading liabilities
  • $0Other borrowed funds
  • $2,089Subordinated debt
  • $15,365All other liabilities
  • $15,365Total equity capital
  • $15,365Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $1,300Surplus
  • $13,825Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $624Long-term assets (5+ years)
  • $146,964Average Assets, year-to-date
  • $85,586Average Assets, quarterly
  • $156,308Volatile liabilities
  • $158,227Insider loans
  • $108,479FHLB advances
  • $159,758Loans and leases held for sale
  • $3,933Unused loan commitments
  • $3,933Tier 1 (core) risk-based capital
  • $14,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,910Restructured Loans and leases
  • $3,365Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,523Total interest income
  • $1,054Total interest expense
  • $6,469Net interest income
  • $530Provision for loan and lease losses
  • $2,298Total noninterest income
  • $0Fiduciary activities
  • $1,299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $999Additional noninterest income
  • $5,912Total noninterest expense
  • $3,163Salaries and employee benefits
  • $495Premises and equipment expense
  • $2,254Additional noninterest expense
  • $2,325Pre-tax net operating income
  • $119Securities gains (losses)
  • $12Applicable income taxes
  • $2,432Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,432Net income attributable to bank
  • $0Net charge-offs
  • $2,432Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $1,391Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.58%Noninterest income to earning assets
  • 4.07%Noninterest expense to earning assets
  • 1.48%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 16.49%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 929.82%Credit loss provision to net charge-offs
  • 50.09%Efficiency ratio
  • 67,435Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.20%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 75.31%Net loans and leases to core deposits
  • 79.65%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 13.00%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $156,308Average earning assets
  • $14,750Average equity
  • $145,368Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08504First-Lockhart National Bank111 Main Street, Lockhart, TX 78644January 09, 1934Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First-Lockhart National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents