Call reports 2007
BRITTON & KOONTZ BANK, N.A. — 2007
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 367,595,000 | 371,281,000 | 363,811,000 | 368,276,000 |
| Total loans | 240,512,000 | 247,156,000 | 234,969,000 | 223,353,000 |
| Allowance for loan losses | 2,322,000 | 2,409,000 | 2,490,000 | 2,431,000 |
| Securities available for sale | 44,522,000 | 43,706,000 | 43,200,000 | 63,983,000 |
| Securities held to maturity | 38,720,000 | 37,653,000 | 38,218,000 | 39,988,000 |
| Trading assets | 19,358,000 | 19,592,000 | 19,525,000 | 19,199,000 |
| Total deposits | 269,215,000 | 262,331,000 | 258,161,000 | 250,381,000 |
| Interest-bearing deposits | 214,669,000 | 212,981,000 | 209,237,000 | 199,317,000 |
| Noninterest-bearing deposits | 54,546,000 | 49,350,000 | 48,924,000 | 51,064,000 |
| Equity capital | 35,818,000 | 35,019,000 | 35,827,000 | 36,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,007,000 | 12,292,000 | 18,616,000 | 24,605,000 |
| Interest expense | 2,640,000 | 5,389,000 | 8,142,000 | 10,836,000 |
| Net interest income | 3,367,000 | 6,903,000 | 10,474,000 | 13,769,000 |
| Noninterest income | 757,000 | 917,000 | 1,797,000 | 2,764,000 |
| Noninterest expense | 2,874,000 | 5,560,000 | 8,406,000 | 11,134,000 |
| Provision for loan losses | 80,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 611,000 | 1,501,000 | 2,986,000 | 4,400,000 |
| Income tax | 89,000 | 288,000 | 684,000 | 1,058,000 |
| Net income | 522,000 | 1,213,000 | 2,302,000 | 3,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,054,000 | 35,072,000 | 35,487,000 | 35,854,000 |
| Total capital | 37,376,000 | 37,481,000 | 37,977,000 | 38,285,000 |
| Risk-weighted assets | 274,130,000 | 279,474,000 | 268,522,000 | 257,968,000 |