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Britton & Koontz First National Bank

Natchez, MS · Cert 4995

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Britton & Koontz First National Bank

Natchez, MS · Cert 4995

FDIC

Q4 2013

$301.1MAssets
$177.0MLoans
$222.1MDeposits
$41.2MEquity
Loan mix
83%RE $117.1M14%C&I $20.1M3%Consumer $3.9MQ4 2012Q4 2013
Deposit mix
72%Interest-bearing $159.8M28%Noninterest $62.2MQ4 2012Q4 2013

NIM

4.30%Q4 ’113.89%Q4 ’123.78%Q4 ’13-6%+8%

Non-interest income vs. expense

3.37%Q4 ’113.94%Q4 ’123.73%Q4 ’13+21%-6%

Executive Summary

  • Earnings: ROA of 0.36%, up 26 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 79.70% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.36%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+25 bps YoY

Efficiency Ratio (YTD, annualized)

91.12%-1,041 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.10%0.31%0.28%0.43%0.36%+26 bps
Return on Equity0.82%2.26%2.01%3.14%2.67%+185 bps
Net Interest Margin2.95%3.02%3.09%3.17%3.20%+25 bps
Efficiency Ratio101.53%91.77%93.16%89.27%91.12%-1,041 bps
Non-Interest Burden3.04%2.73%2.85%2.76%2.87%-17 bps
Growth
Asset Growth (YoY)-16.59%-12.52%-11.31%-6.36%-1.32%+1,527 bps
Loan Growth (YoY)-15.21%-13.19%2.07%9.16%11.61%+2,682 bps
Deposit Growth (YoY)-14.64%-8.86%-6.74%-3.58%-1.97%+1,266 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.89%0.46%0.22%0.22%0.25%-64 bps
Allowance / Loans1.66%1.58%1.42%1.31%1.24%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital22.71%23.24%22.09%21.71%21.88%-82 bps
Equity / Assets13.85%13.56%13.71%13.29%13.70%-16 bps
Liquidity & Funding
Loans / Deposits70.00%66.66%76.80%78.41%79.70%+970 bps
Liquid Assets / Assets16.89%17.09%9.71%9.25%8.99%-790 bps
CRE / Total Capitaln/an/an/an/an/an/an/a