| Weiss Ratings |
First-Lockhart Bank
Lockhart, TX |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 7.80 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 5.50 | |||
| Company Info |
First-Lockhart Bank
Lockhart, TX |
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| FDIC Number | 13599 | |||
| Phone Number | (512) 398-3416 | |||
| Website | www.firstlockhart.com | |||
| Asset Quality |
First-Lockhart Bank
Lockhart, TX |
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| 1-Year Asset Growth | -1.92% | |||
| 5-Year Asset Growth | 4.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 0.73% | |||
| Non-Performing Loans to Loans | 0.09% | |||
| Balance Sheet |
First-Lockhart Bank
Lockhart, TX |
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| Total Assets | 398.04M | |||
| Total Deposits | 357.73M | |||
| Capital and Reserves |
First-Lockhart Bank
Lockhart, TX |
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| Capital | 37.37M | |||
| Leverage Ratio | 9.54 | |||
| Loan Loss Reserves to Loans | 1.07% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First-Lockhart Bank
Lockhart, TX |
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| Hot Money Ratio | 17.59% | |||
| Liquidity Ratio | 18.24% | |||
| Profitability |
First-Lockhart Bank
Lockhart, TX |
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| 5-Year Return on Average Assets | 0.64% | |||
| Net Income | 3.28M | |||
| Net Interest Spread | 4.19% | |||
| Operating Profit to Average Assets | 1.03% | |||
| Overhead Efficiency Ratio | 75.27% | |||
| Return on Assets | 0.84% | |||
| Return on Equity | 9.15% | |||