Call reports 2003
BRITTON & KOONTZ BANK, N.A. — 2003
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 326,628,000 | 342,764,000 | 352,481,000 | 372,590,000 |
| Total loans | 195,255,000 | 205,143,000 | 205,395,000 | 209,693,000 |
| Allowance for loan losses | 2,253,000 | 2,271,000 | 2,250,000 | 2,070,000 |
| Securities available for sale | 69,959,000 | 70,662,000 | 80,467,000 | 93,663,000 |
| Securities held to maturity | 33,150,000 | 43,087,000 | 42,135,000 | 42,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,499,000 | 237,675,000 | 236,035,000 | 234,372,000 |
| Interest-bearing deposits | 210,417,000 | 202,607,000 | 199,942,000 | 195,653,000 |
| Noninterest-bearing deposits | 38,082,000 | 35,068,000 | 36,093,000 | 38,719,000 |
| Equity capital | 33,697,000 | 33,246,000 | 33,458,000 | 33,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,903,000 | 9,904,000 | 14,695,000 | 19,565,000 |
| Interest expense | 1,570,000 | 3,155,000 | 4,680,000 | 6,167,000 |
| Net interest income | 3,333,000 | 6,749,000 | 10,015,000 | 13,398,000 |
| Noninterest income | 635,000 | 1,291,000 | 1,988,000 | 2,547,000 |
| Noninterest expense | 2,709,000 | 5,505,000 | 8,578,000 | 11,520,000 |
| Provision for loan losses | 135,000 | 270,000 | 330,000 | 670,000 |
| Pretax income | 1,124,000 | 2,265,000 | 3,095,000 | 3,755,000 |
| Income tax | 313,000 | 728,000 | 920,000 | 865,000 |
| Net income | 811,000 | 1,537,000 | 2,175,000 | 2,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,023,000 | 30,526,000 | 31,190,000 | 31,182,000 |
| Total capital | 33,276,000 | 32,797,000 | 33,440,000 | 33,252,000 |
| Risk-weighted assets | 204,239,000 | 214,681,000 | 217,313,000 | 227,158,000 |