Cross Keys Bank in city_name, state_name - Detailed Financial Reports, Location

Cross Keys Bank in Saint Joseph, Louisiana (LA)
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Cross Keys Bank routing number info

Cross Keys Bank - Overview

General
FDIC Certificate #: 9322
Status: Active
Federal Reserve ID: 755252
Bank Holding Company (Regulatory Top Holder): Bsj Bancshares, Inc. (RSSDID: 1132382, Location: Saint Joseph, LA)
Date Established: April 02, 1902
WWW: http://www.ckbonline.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 15355
FDIC's unique #: 5976
Numeric code: 21
Regulator: FDIC
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: Yes
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: 307 Plank Rd., Saint Joseph, LA 71366
County: Tensas
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of Changes
Corrections
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $317.6 mil
Equity capital: $33.4 mil
Deposits held in domestic offices: $252.6 mil
Return on assets (ROA): 1.16% ($3.7 mil)
Quarterly return on assets: 1.60% ($5.1 mil)
Return on Equity (ROE): 10.85% ($3.6 mil)
Quarterly return on equity: 14.78% ($4.9 mil)
Net income: $3.5 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 1.40% ($4,445.9 mil)
Quarterly Pretax return on assets: 1.64% ($5,208.0 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
99Total employees (full-time equivalent)
$317,561Total assets
$15,585Cash and due from depository institutions
$5,862Interest-bearing balances
$136,276Securities
$0Federal funds sold & reverse repurchase agreements
$152,785Net loans & leases
$3,168Loan loss allowance
$0Trading account assets
$5,883Bank premises and fixed assets
$437Other real estate owned
$207Goodwill and other intangibles
$317,561Life insurance assets
$6,388All other assets
$284,152Total liabilities and capital
$252,613Total liabilities
$191,329Total deposits
$252,613Interest-bearing deposits
$89Deposits held in domestic offices
2924.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$25,637Trading liabilities
$0Other borrowed funds
$2,978Subordinated debt
$33,409All other liabilities
$33,409Total equity capital
$33,409Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$11,600Surplus
$21,409Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,423Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$345Income earned, not collected on loans
$0Earning assets
$1,941Long-term assets (5+ years)
$294,923Average Assets, year-to-date
$110,232Average Assets, quarterly
$303,754Volatile liabilities
$313,419Insider loans
$194,104FHLB advances
$310,812Loans and leases held for sale
$270Unused loan commitments
$270Tier 1 (core) risk-based capital
$31,122Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,900Restructured Loans and leases
$5,263Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,592Total interest income
$2,641Total interest expense
$11,951Net interest income
$1,051Provision for loan and lease losses
$3,381Total noninterest income
$0Fiduciary activities
$1,422Service charges on deposit accounts
$0Trading account gains & fees
$1,959Additional noninterest income
$10,173Total noninterest expense
$5,899Salaries and employee benefits
$907Premises and equipment expense
$3,367Additional noninterest expense
$4,108Pre-tax net operating income
$151Securities gains (losses)
$737Applicable income taxes
$3,522Income before extraordinary items
$0Extraordinary gains - net
$3,522Net income attributable to bank
$0Net charge-offs
$3,522Cash dividends
$336Sale, conversion, retirement of capital stock, net
$2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.17%Yield on earning assets
0.94%Cost of funding earning assets
4.23%Net interest margin
1.20%Noninterest income to earning assets
3.60%Noninterest expense to earning assets
1.12%Net operating income to assets
1.16%Return on assets (ROA)
1.40%Pretax return on assets
10.85%Return on equity (ROE)
4.69%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
312.80%Credit loss provision to net charge-offs
15.35%Efficiency ratio
66,351Assets per employee
3.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.79%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
918.26%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.22%Net loans and leases to deposits
60.48%Net loans and leases to core deposits
68.72%Equity capital to assets
10.52%Core capital (leverage) ratio
10.01%Tier 1 risk-based capital ratio
16.03%Total risk-based capital ratio
Memoranda
$17Average assets
$303,754Average earning assets
$32,449Average equity
$282,412Average loans

List of branches

9 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5976	Cross Keys Bank	307 Plank Rd., Saint Joseph, LA 71366	April 02, 1902	Full Service Brick and Mortar
1	219906	Waterproof Branch	275 Main Street, Waterproof, LA 71375	April 02, 1902	Full Service Brick and Mortar
2	219907	Newellton Branch	3144 Highways 65, Newellton, LA 71357	December 22, 1980	Limited Service Retail
3	5607	Tallulah Branch	115 North Chestnut Street, Tallulah, LA 71282	January 01, 1902	Full Service Brick and Mortar
4	10938	Cross Keys Bank Branch	167 Keystone Road, Monroe, LA 71203	September 01, 1949	Full Service Brick and Mortar
5	219908	Hudson Lane Branch	1401 Hudson Lane, Monroe, LA 71210	October 31, 1996	Full Service Brick and Mortar
6	219909	Mcmillan Road Branch	400 Mcmillan Road, West Monroe, LA 71291	August 31, 1998	Full Service Brick and Mortar
7	430010	Rayville Branch	1913 Julia Street, Rayville, LA 71269	August 25, 2003	Full Service Brick and Mortar
8	470751	Cross Keys Bank - Branch	710 Highway 165 North, Monroe, LA 71203	Febuary 04, 2008	Full Service Brick and Mortar

Cross Keys Bank in Saint Joseph, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cross Keys Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Cross Keys Bank in Saint Joseph, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

Cross Keys Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Cross Keys Bank in Saint Joseph, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches