Britton

1
2009 Annual Shareholders Meeting
Tuesday, April 28, 2009
2
Britton Koontz Capital Corporation
NASDAQ BKBK
Forward Looking Statements Statements contained
in this presentation which are not historical
facts and which pertain to the future operating
results of Britton Koontz Capital Corporation
and its subsidiaries constitute forward-looking
statements within the meaning of provisions of
the Securities and Exchange Act of 1934, as
amended. These forward-looking statements are
subject to risks and uncertainties, which could
cause the actual results to differ materially
from the Companys expectations. For a
description of these risks and uncertainties,
please refer to our filings with the Securities
and Exchange Commission, including our current
reports on Form 8-K, quarterly reports on Form
10-Q and annual reports on Form 10-K, which can
be found on our website, www.bkbank.com. Such
statements are based on managements beliefs as
well as assumptions made by and information
currently available to management. The Company
undertakes no obligation to update or revise any
forward-looking statements, whether as a result
of changes in actual results, changes in
assumptions or other factors affecting such
statements.
3
Mission Statement Our slogan Answers. Since
1836. sums up our banks mission to continue a
long tradition of trust, independence, innovation
and return for customers and shareholders. Our
mission also reflects an institution that plays
an integral economic role in the communities we
serve, and a company that operates comfortably
within the regulatory limits of our industry.
Finally, our mission encompasses an
organizational environment that affords employees
the opportunity to grow and contribute
professionally.
4
Shooting the Rapids of the Financial Crisis and
Recession
GAAP Capital and Regulatory Capital are both
strong No haircuts from toxic investment
assets have occurred No material goodwill is
present for a test of impairment No
over-reliance on Trust Preferred liabilities as
regulatory capital has developed Board carefully
evaluated TARP funding and deemed it not to be
needed No negative changes are anticipated in
companys healthy dividend Market footprint has
been favorable Recession may deal a glancing
blow, not a direct hit, on Baton Rouge, Natchez
and Vicksburg Markets reflect somewhat stable,
countercyclical characteristics Loan demand has
waned but not collapsed Baton Rouge continues to
be a loan growth engine A possible mortgage
refinancing wave may be in the making Gravitation
al pull from Katrina rebuilding and energy sector
is still felt Community banks are getting a
fresh look from smaller customers of some larger
institutions Credit quality remains
intact Problem assets remain below peer
Commercial Real Estate (CRE) exposure rests
below regulatory capital guidelines Credit
administration and loan underwriting are
characterized as disciplined Some indication is
emerging that problem asset totals may peak in
first half of 2009
5
Favorable balance sheet composition has sustained
profitability and liquidity Margin compression
has thus far been avoided
Pre-funding of 2009 cash flows were developed in
the investment portfolio under favorable 2008
interest
rate conditions Pricing of
loans has taken on some credit risk inherent in a
recessionary economy Increased
FDIC insurance and lower pricing on deposit and
other short-term borrowings have
provided some relief in funding sources Overhead
expense has remained flat Provision expense to
the Allowance for Loan Losses has tracked rise in
problem loans associated with the
weakened economy, but early signs of recovery in
the economy may lessen on-going need to
build reserves Companys unique profile and
footprint position it to grow organically and by
acquisition A purchase agreement on a second
location in Baton Rouge has been executed Early
signs of the success on the banks Smart Rate
Checking account have appeared New touch-screen
ATMs system-wide, remote check capture, a richer
web portal, and e- statement delivery
reflect ongoing enhancements of the solid BK
franchise
6
Britton Koontz Capital Corporation
408 Million Bank Holding Company _at_
03/31/09 Subsidiaries Britton Koontz
Bank, N. A. 6 Locations Natchez,
MS (3) Baton Rouge, LA (1) Vicksburg, MS
(2 )


NASDAQ Capital Markets Symbol BKBK Shares
Outstanding 2.1 Million Market Cap 03/31/09
23 million
7
Asset/EPS Growth

8
Stock Performance Graph December 2002 December
2008
9
Stock Performance Graph 2008
10
Financial Performance Year End
11
Quarterly Trends ( in thousands)
12
Select Expenses Affecting Net Income ( in
thousands)
13
Loan Portfolio December 31, 2008( in millions)
14
Loan Portfolio Growth
15
Peer Comparison Loan Portfolio

Source FDIC Call Report Data
16
Interest Spread Management
17
Investment Portfolio12/31/2008

18
Major Funding Sources 12/31/2008( in
thousands)

19
Deposits ( in thousands)
Total Deposits

Demand Deposits
20
Asset Quality

21
For Additional Information Contact W. Page
Ogden, President and Chief Executive
Officer William M. Salters, Treasurer and Chief
Financial Officer For copies of the Annual
Report on Form 10-K or Quarterly Reports on Form
10-Q filed with the Securities and Exchange
Commission, visit www.bkbank.com or
Contact Cliffie Anderson, Investor Relations
500 Main Street, Natchez, Mississippi 39121
601-445-5576 e-mail corporate_at_bkbank.com