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


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
  • NoIDNameAddressEstablishedService TypeMap
    05976Cross Keys Bank307 Plank Rd., Saint Joseph, LA 71366April 02, 1902Full Service Brick and Mortar
    1219906Waterproof Branch275 Main Street, Waterproof, LA 71375April 02, 1902Full Service Brick and Mortar
    2219907Newellton Branch3144 Highways 65, Newellton, LA 71357December 22, 1980Limited Service Retail
    35607Tallulah Branch115 North Chestnut Street, Tallulah, LA 71282January 01, 1902Full Service Brick and Mortar
    410938Cross Keys Bank Branch167 Keystone Road, Monroe, LA 71203September 01, 1949Full Service Brick and Mortar
    5219908Hudson Lane Branch1401 Hudson Lane, Monroe, LA 71210October 31, 1996Full Service Brick and Mortar
    6219909Mcmillan Road Branch400 Mcmillan Road, West Monroe, LA 71291August 31, 1998Full Service Brick and Mortar
    7430010Rayville Branch1913 Julia Street, Rayville, LA 71269August 25, 2003Full Service Brick and Mortar
    8470751Cross Keys Bank - Branch710 Highway 165 North, Monroe, LA 71203Febuary 04, 2008Full Service Brick and Mortar

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