Vitals
  • Total Assets
    248.2M 10.7 %
  • Total Deposits
    223.9M 10.7 %
  • Total Net Loans
    170.9M 7.2 %
  • Net Income
    2.6M 1.3 %
  • Book Value
    21.4M 11.8 %
  • Book Value x2
    42.9M 11.8 %
  • Book Value x3
    64.3M 11.8 %
ROAA

1.102

ROAE

12.627

Efficiency Ratio

74.604

Net Interest Margin

3.797

Balance Sheet Highlights
Financial Highlights First-Lockhart National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 248,184 358,087
Total Net Loans 170,893 213,533
Total Deposits 223,891 308,027
Total Equity 21,435 38,740
Profitability
Net Income 2,558 3,845
Return on Average Assets 1.102 1.025
Return on Average Equity 12.627 9.415
Net Interest Margin 3.797 3.773
Efficiency Ratio 74.604 66.762
Noninterest Income/Revenue 20.249 16.375
Balance Sheet Ratios
Loan-to-Deposit 76.329 65.494
Securities/Assets .174 .214
Total Equity/Total Assets .086 .108
Tangible Equity/Tangible Assets .086 .104
Capital Adequacy
Tier 1 Common Capital 22,076 37,278
Tier 1 Capital 22,076 37,303
Tier 2 Capital 2,192 2,526
Total Capital 24,268 39,866
Total Risk Weighted Assets 174,710 237,367
Leverage Ratio 8.96 10.563
Common Equity Tier 1 Capital Ratio 12.64 18.073
Tier 1 Capital Ratio 12.64 18.097
Total Capital Ratio 13.89 19.169

Timeline for First-Lockhart National Bank

Lockhart Bankshares, Inc.

Lockhart Bankshares, Inc. became a new parent organization for First-Lockhart National Bank.

View Profile Nov 20 2008

Lockhart Bankshares - Delaware, Inc.

Lockhart Bankshares - Delaware, Inc. became a new parent organization for First-Lockhart National Bank.

View Profile Sep 22 1992

First-Lockhart National Bank

First-Lockhart National Bank was established 90 years ago and is currently headquartered in Lockhart, TX.

Jan 09 1934
Relationships Role Relationship Start Relationship End
Lockhart Bankshares, Inc. Parent 11/20/2008
Lockhart Bankshares - Delaware, Inc. Parent 9/22/1992 11/19/2008
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