Call reports 2010
BRITTON & KOONTZ BANK, N.A. — 2010
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 369,550,000 | 380,534,000 | 374,382,000 | 375,249,000 |
| Total loans | 223,056,000 | 222,352,000 | 216,934,000 | 216,639,000 |
| Allowance for loan losses | 3,145,000 | 2,539,000 | 2,714,000 | 2,420,000 |
| Securities available for sale | 80,783,000 | 93,796,000 | 94,862,000 | 97,308,000 |
| Securities held to maturity | 43,237,000 | 42,152,000 | 41,418,000 | 39,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,364,000 | 261,204,000 | 259,517,000 | 261,121,000 |
| Interest-bearing deposits | 206,294,000 | 213,180,000 | 214,674,000 | 213,132,000 |
| Noninterest-bearing deposits | 48,070,000 | 48,024,000 | 44,843,000 | 47,989,000 |
| Equity capital | 41,599,000 | 42,552,000 | 42,584,000 | 42,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,873,000 | 9,621,000 | 14,246,000 | 18,773,000 |
| Interest expense | 1,448,000 | 2,872,000 | 4,262,000 | 5,530,000 |
| Net interest income | 3,425,000 | 6,749,000 | 9,984,000 | 13,243,000 |
| Noninterest income | 1,102,000 | 1,846,000 | 2,831,000 | 3,826,000 |
| Noninterest expense | 3,895,000 | 7,095,000 | 10,244,000 | 13,368,000 |
| Provision for loan losses | 1,100,000 | 1,300,000 | 1,450,000 | 1,675,000 |
| Pretax income | -21,000 | 648,000 | 1,569,000 | 2,491,000 |
| Income tax | -146,000 | -39,000 | 158,000 | 362,000 |
| Net income | 125,000 | 687,000 | 1,411,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,019,000 | 39,207,000 | 39,558,000 | 39,903,000 |
| Total capital | 42,164,000 | 41,746,000 | 42,272,000 | 42,323,000 |
| Risk-weighted assets | 256,430,000 | 255,091,000 | 252,270,000 | 252,463,000 |