Institution Statistics
| Britton & Koontz Bank, N.A. | | FDIC Certificate # | 4995 | | BankRate Report | View | | Year Established | 1933 | | Employees | 104 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $371.06 million | | Loans | $190.33 million | | Deposits | $269.63 million | | Equity Capital | $41.09 million | | Loan Loss Allowance | $6.09 million | | Unbacked Noncurrent Loans | $11.97 million | | Real Estate Owned | $3.47 million |
Historic Data - September 2010 | | Assets | $374.38 million | | Equity Capital | $42.58 million | | Loan Loss Allowance | $2.71 million | | Unbacked Noncurrent Loans | $6.95 million | | Real Estate Owned | $2.90 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.35% | | Return on Assets | 0.09% | | Return on Equity | 0.8% | | Interest Income | $12.19 million |
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Institution Health
Overall Score:
3 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Britton & Koontz Bank, NA had $15.44 million in non-current loans and owned real-estate with $47.18 million in equity and loan loss allowances on hand to cover it. This gives Britton & Koontz Bank, NA a Texas Ratio of 32.72% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Britton & Koontz Bank, NA increased slightly from 21.74% as of September 30, 2010 to 32.72% as of September 30, 2011, resulting in a negative change of 50.54%. This indicates that the balance sheet and financial strength for Britton & Koontz Bank, NA has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Britton & Koontz Bank, NA has increased its total deposits by $10.11 million, resulting in 3.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Britton & Koontz Bank, NA has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Britton & Koontz Bank, NA has $371.06 million in assets with $47.18 million in equity, resulting in a capitalization level of 12.71%, which is excellent. |
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I Live In Northern Louisiana
I live in northern Louisiana. While in southern Louisiana on business, I took the time to go to B&K Bank. to open a reward checking account. There, I was rudely told that I was not eligible because I did not live with 40 miles of Baton Rouge. I had previously callled the bank and been on their web side. There was no mention of this residency requirement then. There is still no mention of this requirement on their web site. I think this shyster bank makes up the rules as they go.