Call reports 2005
BRITTON & KOONTZ BANK, N.A. — 2005
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 387,229,000 | 398,049,000 | 397,199,000 | 388,896,000 |
| Total loans | 230,273,000 | 237,784,000 | 244,377,000 | 245,083,000 |
| Allowance for loan losses | 2,307,000 | 2,393,000 | 2,403,000 | 2,378,000 |
| Securities available for sale | 92,747,000 | 93,382,000 | 85,742,000 | 78,287,000 |
| Securities held to maturity | 39,026,000 | 38,566,000 | 38,268,000 | 37,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,026,000 | 230,145,000 | 244,571,000 | 259,451,000 |
| Interest-bearing deposits | 191,490,000 | 189,001,000 | 194,793,000 | 205,910,000 |
| Noninterest-bearing deposits | 42,536,000 | 41,144,000 | 49,778,000 | 53,541,000 |
| Equity capital | 34,177,000 | 34,625,000 | 34,318,000 | 33,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,154,000 | 10,567,000 | 16,225,000 | 22,000,000 |
| Interest expense | 1,764,000 | 3,689,000 | 5,875,000 | 8,121,000 |
| Net interest income | 3,390,000 | 6,878,000 | 10,350,000 | 13,879,000 |
| Noninterest income | 588,000 | 1,154,000 | 1,781,000 | 2,352,000 |
| Noninterest expense | 2,797,000 | 5,557,000 | 8,418,000 | 11,530,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 300,000 |
| Pretax income | 1,091,000 | 2,295,000 | 3,473,000 | 4,401,000 |
| Income tax | 142,000 | 451,000 | 752,000 | 963,000 |
| Net income | 949,000 | 1,844,000 | 2,721,000 | 3,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,575,000 | 33,647,000 | 33,801,000 | 34,045,000 |
| Total capital | 35,882,000 | 36,040,000 | 36,204,000 | 36,423,000 |
| Risk-weighted assets | 250,083,000 | 254,875,000 | 264,633,000 | 268,118,000 |