Call reports 2006
BRITTON & KOONTZ BANK, N.A. — 2006
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 382,545,000 | 376,838,000 | 376,713,000 | 369,167,000 |
| Total loans | 234,509,000 | 243,176,000 | 247,136,000 | 243,589,000 |
| Allowance for loan losses | 2,424,000 | 2,471,000 | 2,358,000 | 2,344,000 |
| Securities available for sale | 74,377,000 | 69,812,000 | 67,171,000 | 64,419,000 |
| Securities held to maturity | 37,902,000 | 37,750,000 | 37,583,000 | 38,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,020,000 | 266,630,000 | 258,645,000 | 256,378,000 |
| Interest-bearing deposits | 212,786,000 | 206,132,000 | 204,036,000 | 203,152,000 |
| Noninterest-bearing deposits | 53,234,000 | 60,498,000 | 54,609,000 | 53,226,000 |
| Equity capital | 34,171,000 | 34,232,000 | 35,498,000 | 35,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,716,000 | 11,561,000 | 17,634,000 | 23,707,000 |
| Interest expense | 2,238,000 | 4,583,000 | 7,160,000 | 9,791,000 |
| Net interest income | 3,478,000 | 6,978,000 | 10,474,000 | 13,916,000 |
| Noninterest income | 600,000 | 1,184,000 | 1,797,000 | 2,464,000 |
| Noninterest expense | 2,642,000 | 5,252,000 | 7,886,000 | 10,452,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 475,000 |
| Pretax income | 1,376,000 | 2,790,000 | 4,173,000 | 5,423,000 |
| Income tax | 372,000 | 759,000 | 1,136,000 | 1,459,000 |
| Net income | 1,004,000 | 2,031,000 | 3,037,000 | 3,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,576,000 | 35,130,000 | 35,663,000 | 35,617,000 |
| Total capital | 37,000,000 | 37,601,000 | 38,021,000 | 37,961,000 |
| Risk-weighted assets | 266,027,000 | 273,290,000 | 276,569,000 | 267,944,000 |