Britton & Koontz Bank, N.A. in Natchez, Mississippi (MS), LA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Britton & Koontz Bank, N.A. in Natchez, Mississippi (MS), LA
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Britton & Koontz Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 4995
    Status: Active
    Federal Reserve ID: 539939
    Bank Holding Company (Regulatory Top Holder): Britton & Koontz Capital Corporation (RSSDID: 1084212, Location: Natchez, MS)
    Date Established: July 01, 1933
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 10127
    FDIC's unique #: 3332
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 Main Street, Natchez, MS 39120
    County: Adams
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Natchez, MS-LA (#35020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $365.8 mil
    Equity capital: $41.6 mil
    Deposits held in domestic offices: $265.4 mil
    Return on assets (ROA): 0.17% ($0.6 mil)
    Quarterly return on assets: 0.40% ($1.5 mil)
    Return on Equity (ROE): 1.48% ($0.6 mil)
    Quarterly return on equity: 3.57% ($1.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.07% ($256.1 mil)
    Quarterly Pretax return on assets: 0.42% ($1,536.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 102Total employees (full-time equivalent)
  • $365,845Total assets
  • $48,623Cash and due from depository institutions
  • $39,185Interest-bearing balances
  • $117,357Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $182,769Net loans & leases
  • $4,288Loan loss allowance
  • $0Trading account assets
  • $7,308Bank premises and fixed assets
  • $3,701Other real estate owned
  • $235Goodwill and other intangibles
  • $365,845Life insurance assets
  • $5,852All other assets
  • $324,262Total liabilities and capital
  • $265,414Total liabilities
  • $210,417Total deposits
  • $265,414Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 48485.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $1,363Subordinated debt
  • $41,583All other liabilities
  • $41,583Total equity capital
  • $41,583Total bank equity capital
  • $0Perpetual preferred stock
  • $2,305Common stock
  • $15,084Surplus
  • $24,194Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,915Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,377Income earned, not collected on loans
  • $0Earning assets
  • $1,335Long-term assets (5+ years)
  • $339,311Average Assets, year-to-date
  • $127,338Average Assets, quarterly
  • $375,211Volatile liabilities
  • $368,454Insider loans
  • $221,793FHLB advances
  • $365,142Loans and leases held for sale
  • $1,106Unused loan commitments
  • $1,106Tier 1 (core) risk-based capital
  • $39,831Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,883Restructured Loans and leases
  • $869Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,726Total interest income
  • $4,221Total interest expense
  • $11,505Net interest income
  • $4,692Provision for loan and lease losses
  • $3,103Total noninterest income
  • $0Fiduciary activities
  • $1,430Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,673Additional noninterest income
  • $12,320Total noninterest expense
  • $6,372Salaries and employee benefits
  • $2,229Premises and equipment expense
  • $3,719Additional noninterest expense
  • -$2,404Pre-tax net operating income
  • $2,654Securities gains (losses)
  • -$370Applicable income taxes
  • $620Income before extraordinary items
  • $0Extraordinary gains - net
  • $620Net income attributable to bank
  • $0Net charge-offs
  • $620Cash dividends
  • $2,824Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • -0.54%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 1.48%Return on equity (ROE)
  • -0.43%Retained earnings to average equity (YTD only)
  • 1.40%Net charge-offs to loans
  • 166.15%Credit loss provision to net charge-offs
  • 0.81%Efficiency ratio
  • 83,605Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 129.03%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 51.19%Noncurrent assets plus other real estate owned to assets
  • 3.30%Noncurrent loans to loans
  • 4.48%Net loans and leases to deposits
  • 68.86%Net loans and leases to core deposits
  • 78.29%Equity capital to assets
  • 11.37%Core capital (leverage) ratio
  • 10.91%Tier 1 risk-based capital ratio
  • 17.96%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $375,211Average earning assets
  • $41,766Average equity
  • $350,322Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12,310Managed Assets
  • 1Number of Accounts
  • $4,369Personal trust and agency accounts
  • $4,369Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 44Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,941Other retirement accounts
  • $5,698Corporate trust and agency accounts
  • $1,811Other fiduciary accounts
  • $409Fiduciary accounts held in foreign offices

List of branches

  • 4 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    14361998Bluebonnet Branch8810 Bluebonnet Blvd, Baton Rouge, LA 70810June 01, 2001Full Service Brick and Mortar
    18495410Bluebonnet Parc4703 Bluebonnet Boulevard, Baton Rouge, LA 70809September 21, 2009Full Service Brick and Mortar
    19499339Towne Center Branch7415 Corporate Boulevard, Suite 935, Building H, Baton Rouge, LA 70809November 19, 2009Full Service Brick and Mortar
    20521499Central Loan Production Office Branc7529 Minette Lane, Baton Rouge, LA 70818May 31, 2010Limited Service Loan Production
  • 5 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03332Britton & Koontz Bank, N.A.500 Main Street, Natchez, MS 39120July 01, 1933Full Service Brick and Mortar
    2206334St. Catherine BranchHighway 61 North, Natchez, MS 39120July 11, 1966Full Service Brick and Mortar
    3206335Fatherland BranchHighway 61 South, Natchez, MS 39120August 07, 1967Full Service Brick and Mortar
    11272422Vicksburg Branch2150 South Frontage Road, Vicksburg, MS 39180October 14, 1996Full Service Brick and Mortar
    1542935061 N. Medical Center Branch2059 Hwy 61 North, Vicksburg, MS 39183December 08, 2003Full Service Brick and Mortar

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