Call reports 2008
BRITTON & KOONTZ BANK, N.A. — 2008
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 365,808,000 | 391,666,000 | 387,293,000 | 412,854,000 |
| Total loans | 230,680,000 | 230,230,000 | 221,494,000 | 225,511,000 |
| Allowance for loan losses | 2,376,000 | 2,469,000 | 2,292,000 | 2,398,000 |
| Securities available for sale | 61,871,000 | 86,577,000 | 90,645,000 | 111,895,000 |
| Securities held to maturity | 54,206,000 | 54,015,000 | 54,101,000 | 54,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,471,000 | 245,506,000 | 241,204,000 | 261,366,000 |
| Interest-bearing deposits | 193,069,000 | 192,792,000 | 188,075,000 | 205,567,000 |
| Noninterest-bearing deposits | 53,402,000 | 52,714,000 | 53,129,000 | 55,799,000 |
| Equity capital | 37,525,000 | 36,503,000 | 37,216,000 | 39,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,836,000 | 11,491,000 | 17,150,000 | 22,798,000 |
| Interest expense | 2,411,000 | 4,583,000 | 6,626,000 | 8,428,000 |
| Net interest income | 3,425,000 | 6,908,000 | 10,524,000 | 14,370,000 |
| Noninterest income | 668,000 | 1,322,000 | 2,041,000 | 2,714,000 |
| Noninterest expense | 2,830,000 | 5,616,000 | 8,400,000 | 11,254,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 730,000 |
| Pretax income | 1,291,000 | 2,522,000 | 3,953,000 | 5,248,000 |
| Income tax | 344,000 | 670,000 | 1,106,000 | 1,473,000 |
| Net income | 947,000 | 1,852,000 | 2,847,000 | 3,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,129,000 | 36,360,000 | 36,682,000 | 36,937,000 |
| Total capital | 38,505,000 | 38,829,000 | 38,974,000 | 39,335,000 |
| Risk-weighted assets | 263,327,000 | 262,495,000 | 256,333,000 | 255,619,000 |