Call reports 2012
BRITTON & KOONTZ BANK, N.A. — 2012
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 356,243,000 | 340,469,000 | 334,182,000 | 305,144,000 |
| Total loans | 178,609,000 | 168,626,000 | 163,005,000 | 158,597,000 |
| Allowance for loan losses | 4,210,000 | 3,940,000 | 3,249,000 | 2,630,000 |
| Securities available for sale | 86,369,000 | 81,275,000 | 76,014,000 | 70,058,000 |
| Securities held to maturity | 23,833,000 | 23,345,000 | 22,890,000 | 22,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,227,000 | 240,290,000 | 235,357,000 | 226,562,000 |
| Interest-bearing deposits | 197,432,000 | 187,842,000 | 183,128,000 | 169,633,000 |
| Noninterest-bearing deposits | 57,795,000 | 52,448,000 | 52,229,000 | 56,929,000 |
| Equity capital | 42,081,000 | 42,393,000 | 42,167,000 | 42,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,278,000 | 6,386,000 | 9,310,000 | 12,162,000 |
| Interest expense | 835,000 | 1,620,000 | 2,353,000 | 2,934,000 |
| Net interest income | 2,443,000 | 4,766,000 | 6,957,000 | 9,228,000 |
| Noninterest income | 723,000 | 1,698,000 | 2,507,000 | 2,795,000 |
| Noninterest expense | 2,817,000 | 6,094,000 | 9,917,000 | 12,315,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 349,000 | 370,000 | -453,000 | -42,000 |
| Income tax | 32,000 | -54,000 | -443,000 | -388,000 |
| Net income | 317,000 | 424,000 | -10,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,175,000 | 40,308,000 | 39,902,000 | 40,282,000 |
| Total capital | 42,879,000 | 42,869,000 | 42,349,000 | 42,633,000 |
| Risk-weighted assets | 214,729,000 | 203,434,000 | 194,889,000 | 187,741,000 |