Britton & Koontz Bank, N.A. Financial Statements & Health Reports

Acquired Feb 2014

Vitals

ROAA

.367

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Britton & Koontz Bank, N.A.	All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets	301,107	341,048
Total Net Loans	174,816	199,700
Total Deposits	222,090	287,723
Total Equity	41,237	34,958
Profitability
Net Income	1,114	3,176
Return on Average Assets	.367	.89
Return on Average Equity	2.668	8.412
Net Interest Margin	3.648	3.956
Efficiency Ratio	88.164	70.343
Noninterest Income/Revenue	17.832	19.837
Balance Sheet Ratios
Loan-to-Deposit	78.714	66.169
Securities/Assets	.324	.273
Total Equity/Total Assets	.137	.103
Tangible Equity/Tangible Assets	.137	.099
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	41,009	35,026
Tier 2 Capital	2,246	2,609
Total Capital	43,255	37,629
Total Risk Weighted Assets	197,648	229,694
Leverage Ratio	13.43	10.654
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	20.75	16.936
Total Capital Ratio	21.88	18.06

Britton & Koontz Bank, N.A. was acquired by Home Bank, National Association 10 years

View Profile Feb 15 2014

Acquisition: Britton & Koontz Bank, N.A. acquired a new subsidiary, Louisiana Bank & Trust Company, 23 years

View Profile Dec 01 2000

Acquisition: Britton & Koontz Bank, N.A. acquired a new subsidiary, Natchez First Federal Savings Bank, 30 years

View Profile Jul 12 1993

Britton & Koontz Capital Corporation became a new parent organization for Britton & Koontz Bank, N.A..

View Profile Jan 15 1983

Britton & Koontz Bank, N.A. was established 90 years ago and is currently headquartered in Natchez, MS.

Jul 01 1933

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Home Bank, National Association	Buyer	1,549,524	Acquisition	Discontinued	2/15/2014
Louisiana Bank & Trust Company	Seller	42,204	Pooling of Interests	Discontinued	12/1/2000
Natchez First Federal Savings Bank	Seller	48,598		Discontinued	7/12/1993

Relationships	Role	Relationship Start	Relationship End
Britton & Koontz Capital Corporation	Parent	1/15/1983	2/14/2014

Similar Organizations

Organization	City	State	Total Assets
The National Bank Of Coxsackie	Coxsackie	NY	298.4M
Classic Bank, National Association	Cameron	TX	304.7M
Tcm Bank, National Association	Tampa	FL	306.0M
First Federal Community Bank, National Association	Dover	OH	296.1M
Champlain National Bank	Elizabethtown	NY	306.7M
The State National Bank Of Big Spring	Big Spring	TX	309.9M
One Bank & Trust, National Association	Little Rock	AR	310.7M
The First National Bank Of Gilmer	Gilmer	TX	310.0M
First National Bank	Hamilton	AL	288.8M
The Delaware National Bank Of Delhi	Delhi	NY	309.2M