| Weiss Ratings |
First-Lockhart National Bank
Lockhart, TX |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 8.10 | |||
| Liquidity Index | 1.90 | |||
| Profitability Index | 4.00 | |||
| Stability Index | 5.50 | |||
| Company Info |
First-Lockhart National Bank
Lockhart, TX |
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| FDIC Number | 13599 | |||
| Phone Number | (512) 398-3416 | |||
| Website | www.firstlockhart.com | |||
| Asset Quality |
First-Lockhart National Bank
Lockhart, TX |
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| 1-Year Asset Growth | 1.04% | |||
| 5-Year Asset Growth | 6.70% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.22% | |||
| Non-Performing Loans to Capital | 0.75% | |||
| Non-Performing Loans to Loans | 0.10% | |||
| Balance Sheet |
First-Lockhart National Bank
Lockhart, TX |
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| Total Assets | 386.14M | |||
| Total Deposits | 347.07M | |||
| Capital and Reserves |
First-Lockhart National Bank
Lockhart, TX |
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| Capital | 36.65M | |||
| Leverage Ratio | 9.71 | |||
| Loan Loss Reserves to Loans | 1.10% | |||
| Risk-Based Capital Ratio | 14.41 | |||
| Liquidity |
First-Lockhart National Bank
Lockhart, TX |
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| Hot Money Ratio | 16.40% | |||
| Liquidity Ratio | 20.14% | |||
| Profitability |
First-Lockhart National Bank
Lockhart, TX |
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| 5-Year Return on Average Assets | 0.64% | |||
| Net Income | 2.25M | |||
| Net Interest Spread | 4.08% | |||
| Operating Profit to Average Assets | 0.96% | |||
| Overhead Efficiency Ratio | 76.43% | |||
| Return on Assets | 0.77% | |||
| Return on Equity | 8.47% | |||