Britton & Koontz Bank, N.A. in city_name, state_name - Detailed Financial Reports, Location

Britton & Koontz Bank, N.A. in Natchez, Mississippi (MS), LA
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Britton & Koontz Bank, N.A. routing number info

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
WWW: http://www.bkbank.com
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

No	ID	Name	Address	Established	Service Type
14	361998	Bluebonnet Branch	8810 Bluebonnet Blvd, Baton Rouge, LA 70810	June 01, 2001	Full Service Brick and Mortar
18	495410	Bluebonnet Parc	4703 Bluebonnet Boulevard, Baton Rouge, LA 70809	September 21, 2009	Full Service Brick and Mortar
19	499339	Towne Center Branch	7415 Corporate Boulevard, Suite 935, Building H, Baton Rouge, LA 70809	November 19, 2009	Full Service Brick and Mortar
20	521499	Central Loan Production Office Branc	7529 Minette Lane, Baton Rouge, LA 70818	May 31, 2010	Limited Service Loan Production

5 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3332	Britton & Koontz Bank, N.A.	500 Main Street, Natchez, MS 39120	July 01, 1933	Full Service Brick and Mortar
2	206334	St. Catherine Branch	Highway 61 North, Natchez, MS 39120	July 11, 1966	Full Service Brick and Mortar
3	206335	Fatherland Branch	Highway 61 South, Natchez, MS 39120	August 07, 1967	Full Service Brick and Mortar
11	272422	Vicksburg Branch	2150 South Frontage Road, Vicksburg, MS 39180	October 14, 1996	Full Service Brick and Mortar
15	429350	61 N. Medical Center Branch	2059 Hwy 61 North, Vicksburg, MS 39183	December 08, 2003	Full Service Brick and Mortar

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

Britton & Koontz Bank, N.A. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2006)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Britton & Koontz Bank, N.A. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2006)

List of branches

Comment about this bank, ask questions, or add new information about it:

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