Call reports 2002
BRITTON & KOONTZ BANK, N.A. — 2002
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 296,302,000 | 295,581,000 | 299,577,000 | 308,117,000 |
| Total loans | 182,304,000 | 180,321,000 | 182,508,000 | 184,792,000 |
| Allowance for loan losses | 2,163,000 | 1,942,000 | 1,907,000 | 2,129,000 |
| Securities available for sale | 55,700,000 | 58,361,000 | 55,955,000 | 60,566,000 |
| Securities held to maturity | 33,036,000 | 33,143,000 | 33,145,000 | 33,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,614,000 | 214,353,000 | 222,784,000 | 233,083,000 |
| Interest-bearing deposits | 186,428,000 | 181,670,000 | 190,177,000 | 198,596,000 |
| Noninterest-bearing deposits | 35,186,000 | 32,683,000 | 32,607,000 | 34,487,000 |
| Equity capital | 26,566,000 | 27,253,000 | 28,527,000 | 28,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,083,000 | 10,053,000 | 15,008,000 | 19,809,000 |
| Interest expense | 1,971,000 | 3,788,000 | 5,549,000 | 7,214,000 |
| Net interest income | 3,112,000 | 6,265,000 | 9,459,000 | 12,595,000 |
| Noninterest income | 524,000 | 1,039,000 | 1,571,000 | 2,222,000 |
| Noninterest expense | 2,409,000 | 5,134,000 | 7,801,000 | 10,544,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 1,025,000 |
| Pretax income | 1,092,000 | 1,900,000 | 2,824,000 | 3,402,000 |
| Income tax | 284,000 | 539,000 | 818,000 | 952,000 |
| Net income | 808,000 | 1,361,000 | 2,006,000 | 2,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,962,000 | 24,842,000 | 25,514,000 | 25,185,000 |
| Total capital | 27,125,000 | 26,784,000 | 27,421,000 | 27,314,000 |
| Risk-weighted assets | 191,511,000 | 189,394,000 | 191,843,000 | 193,099,000 |