Call reports 2004
BRITTON & KOONTZ BANK, N.A. — 2004
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 376,541,000 | 378,619,000 | 381,983,000 | 376,890,000 |
| Total loans | 216,312,000 | 220,730,000 | 222,131,000 | 220,999,000 |
| Allowance for loan losses | 2,179,000 | 2,226,000 | 2,344,000 | 2,237,000 |
| Securities available for sale | 87,793,000 | 88,483,000 | 90,823,000 | 91,947,000 |
| Securities held to maturity | 41,398,000 | 40,468,000 | 40,390,000 | 39,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,667,000 | 231,199,000 | 225,873,000 | 227,934,000 |
| Interest-bearing deposits | 202,685,000 | 191,844,000 | 187,599,000 | 186,485,000 |
| Noninterest-bearing deposits | 38,982,000 | 39,355,000 | 38,274,000 | 41,449,000 |
| Equity capital | 34,423,000 | 32,687,000 | 34,585,000 | 34,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,835,000 | 9,791,000 | 14,774,000 | 19,774,000 |
| Interest expense | 1,524,000 | 3,011,000 | 4,600,000 | 6,233,000 |
| Net interest income | 3,311,000 | 6,780,000 | 10,174,000 | 13,541,000 |
| Noninterest income | 554,000 | 1,294,000 | 1,904,000 | 2,566,000 |
| Noninterest expense | 2,907,000 | 6,065,000 | 8,961,000 | 11,815,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 390,000 |
| Pretax income | 838,000 | 1,769,000 | 2,757,000 | 3,902,000 |
| Income tax | 170,000 | 380,000 | 609,000 | 893,000 |
| Net income | 668,000 | 1,389,000 | 2,148,000 | 3,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,877,000 | 31,775,000 | 32,561,000 | 32,599,000 |
| Total capital | 34,056,000 | 34,001,000 | 34,905,000 | 34,836,000 |
| Risk-weighted assets | 232,085,000 | 239,601,000 | 242,023,000 | 237,955,000 |