Call reports 2013
BRITTON & KOONTZ BANK, N.A. — 2013
What BRITTON & KOONTZ BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 311,633,000 | 301,950,000 | 312,935,000 | 301,107,000 |
| Total loans | 155,059,000 | 172,111,000 | 177,936,000 | 177,005,000 |
| Allowance for loan losses | 2,451,000 | 2,441,000 | 2,329,000 | 2,190,000 |
| Securities available for sale | 77,586,000 | 77,923,000 | 85,064,000 | 76,229,000 |
| Securities held to maturity | 21,457,000 | 20,620,000 | 21,457,000 | 21,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,626,000 | 224,099,000 | 226,929,000 | 222,090,000 |
| Interest-bearing deposits | 174,019,000 | 163,775,000 | 165,421,000 | 159,842,000 |
| Noninterest-bearing deposits | 58,607,000 | 60,324,000 | 61,507,000 | 62,248,000 |
| Equity capital | 42,268,000 | 41,397,000 | 41,600,000 | 41,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,754,000 | 5,593,000 | 8,536,000 | 11,531,000 |
| Interest expense | 454,000 | 897,000 | 1,335,000 | 1,767,000 |
| Net interest income | 2,300,000 | 4,696,000 | 7,201,000 | 9,764,000 |
| Noninterest income | 763,000 | 1,428,000 | 2,233,000 | 2,620,000 |
| Noninterest expense | 2,838,000 | 5,761,000 | 8,506,000 | 11,396,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 225,000 | 363,000 | 1,043,000 | 1,103,000 |
| Income tax | -14,000 | -59,000 | 57,000 | -11,000 |
| Net income | 239,000 | 422,000 | 986,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,550,000 | 40,761,000 | 40,854,000 | 41,009,000 |
| Total capital | 42,858,000 | 43,206,000 | 43,239,000 | 43,255,000 |
| Risk-weighted assets | 184,428,000 | 195,557,000 | 199,130,000 | 197,648,000 |