Call reports 2011
BRITTON & KOONTZ BANK, N.A. — 2011
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 381,724,000 | 382,176,000 | 371,063,000 | 365,845,000 |
| Total loans | 209,550,000 | 200,505,000 | 196,417,000 | 187,057,000 |
| Allowance for loan losses | 3,072,000 | 3,562,000 | 6,085,000 | 4,288,000 |
| Securities available for sale | 91,940,000 | 95,916,000 | 77,848,000 | 91,528,000 |
| Securities held to maturity | 35,228,000 | 33,240,000 | 29,505,000 | 25,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,946,000 | 278,665,000 | 269,628,000 | 265,414,000 |
| Interest-bearing deposits | 225,303,000 | 217,574,000 | 213,156,000 | 210,417,000 |
| Noninterest-bearing deposits | 51,643,000 | 61,091,000 | 56,472,000 | 54,997,000 |
| Equity capital | 41,926,000 | 42,062,000 | 41,094,000 | 41,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,304,000 | 8,407,000 | 12,186,000 | 15,726,000 |
| Interest expense | 1,186,000 | 2,350,000 | 3,312,000 | 4,221,000 |
| Net interest income | 3,118,000 | 6,057,000 | 8,874,000 | 11,505,000 |
| Noninterest income | 864,000 | 1,533,000 | 2,374,000 | 3,103,000 |
| Noninterest expense | 3,070,000 | 6,537,000 | 9,327,000 | 12,320,000 |
| Provision for loan losses | 750,000 | 1,312,000 | 4,692,000 | 4,692,000 |
| Pretax income | 829,000 | 1,063,000 | -139,000 | 250,000 |
| Income tax | 185,000 | 135,000 | -390,000 | -370,000 |
| Net income | 644,000 | 928,000 | 251,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,175,000 | 40,085,000 | 39,436,000 | 39,831,000 |
| Total capital | 43,247,000 | 43,031,000 | 42,297,000 | 42,623,000 |
| Risk-weighted assets | 251,281,000 | 234,976,000 | 225,560,000 | 221,793,000 |