| Weiss Ratings |
First Lockhart Bank
Lockhart, TX |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 7.50 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 3.90 | |||
| 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 | 9.80% | |||
| 5-Year Asset Growth | 4.35% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 2.18% | |||
| Non-Performing Loans to Loans | 0.09% | |||
| Balance Sheet |
First Lockhart Bank
Lockhart, TX |
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| Total Assets | 415.88M | |||
| Total Deposits | 375.05M | |||
| Capital and Reserves |
First Lockhart Bank
Lockhart, TX |
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| Capital | 37.97M | |||
| Leverage Ratio | 9.34 | |||
| Loan Loss Reserves to Loans | 1.02% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Lockhart Bank
Lockhart, TX |
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| Hot Money Ratio | 20.78% | |||
| Liquidity Ratio | 19.09% | |||
| Profitability |
First Lockhart Bank
Lockhart, TX |
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| 5-Year Return on Average Assets | 0.64% | |||
| Net Income | 1.43M | |||
| Net Interest Spread | 4.25% | |||
| Operating Profit to Average Assets | 0.86% | |||
| Overhead Efficiency Ratio | 78.80% | |||
| Return on Assets | 0.70% | |||
| Return on Equity | 7.60% | |||