| Weiss Ratings |
First-Lockhart National Bank
Lockhart, TX |
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| Rating | ||||
| Asset Quality Index | 6.20 | |||
| Capitalization Index | 7.60 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 3.40 | |||
| 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 | -1.14% | |||
| 5-Year Asset Growth | 6.70% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.24% | |||
| Non-Performing Loans to Capital | 4.12% | |||
| Non-Performing Loans to Loans | 0.32% | |||
| Balance Sheet |
First-Lockhart National Bank
Lockhart, TX |
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| Total Assets | 378.76M | |||
| Total Deposits | 340.85M | |||
| Capital and Reserves |
First-Lockhart National Bank
Lockhart, TX |
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| Capital | 35.65M | |||
| Leverage Ratio | 9.42 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | 14.69 | |||
| Liquidity |
First-Lockhart National Bank
Lockhart, TX |
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| Hot Money Ratio | 15.42% | |||
| Liquidity Ratio | 21.47% | |||
| Profitability |
First-Lockhart National Bank
Lockhart, TX |
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| 5-Year Return on Average Assets | 0.64% | |||
| Net Income | 1.26M | |||
| Net Interest Spread | 3.90% | |||
| Operating Profit to Average Assets | 0.80% | |||
| Overhead Efficiency Ratio | 79.69% | |||
| Return on Assets | 0.64% | |||
| Return on Equity | 7.17% | |||