Call reports 2009
BRITTON & KOONTZ BANK, N.A. — 2009
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 407,514,000 | 401,025,000 | 395,603,000 | 392,883,000 |
| Total loans | 221,653,000 | 224,766,000 | 224,275,000 | 224,601,000 |
| Allowance for loan losses | 2,966,000 | 2,832,000 | 2,445,000 | 3,879,000 |
| Securities available for sale | 113,955,000 | 101,837,000 | 99,556,000 | 98,300,000 |
| Securities held to maturity | 52,886,000 | 54,335,000 | 49,783,000 | 45,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,689,000 | 256,289,000 | 255,870,000 | 254,235,000 |
| Interest-bearing deposits | 213,097,000 | 207,781,000 | 209,113,000 | 201,416,000 |
| Noninterest-bearing deposits | 52,592,000 | 48,508,000 | 46,757,000 | 52,819,000 |
| Equity capital | 40,931,000 | 41,105,000 | 42,300,000 | 41,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,465,000 | 10,799,000 | 16,089,000 | 20,979,000 |
| Interest expense | 1,693,000 | 3,257,000 | 4,784,000 | 6,259,000 |
| Net interest income | 3,772,000 | 7,542,000 | 11,305,000 | 14,720,000 |
| Noninterest income | 612,000 | 1,230,000 | 1,769,000 | 2,648,000 |
| Noninterest expense | 2,890,000 | 6,024,000 | 8,927,000 | 12,168,000 |
| Provision for loan losses | 700,000 | 950,000 | 1,870,000 | 3,420,000 |
| Pretax income | 794,000 | 1,816,000 | 2,314,000 | 1,872,000 |
| Income tax | 125,000 | 339,000 | 469,000 | 50,000 |
| Net income | 669,000 | 1,477,000 | 1,845,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,634,000 | 38,468,000 | 38,863,000 | 38,867,000 |
| Total capital | 40,600,000 | 41,300,000 | 41,308,000 | 42,118,000 |
| Risk-weighted assets | 253,321,000 | 256,054,000 | 257,587,000 | 259,416,000 |