Cross Keys Bank

Cross Keys Bank is headquartered in Saint Joseph and is the 42^nd largest bank in the state of Louisiana. It is also the 2,114^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 98 employees at 9 locations. Cross Keys Bank has a 5-star health rating.

Cross Keys Bank Checking Account Rates

Data for Q1 2012

Institution Statistics Cross Keys Bank FDIC Certificate # 9322 BankRate Report View Year Established 1902 Employees 98 Primary Regulator FDIC Assets and Liabilities Assets $308.79 million Loans $151.22 million Deposits $247.31 million Equity Capital $34.33 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $4.21 million Real Estate Owned $433,000 Historic Data - March 2011 Assets $297.74 million Equity Capital $31.31 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $4.84 million Real Estate Owned $274,000 Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.83% Return on Equity 7.71% Interest Income $3.44 million

Institution Health Overall Score: 5 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 March 31, 2012 Cross Keys Bank had $4.64 million in non-current loans and owned real-estate with $37.81 million in equity and loan loss allowances on hand to cover it. This gives Cross Keys Bank a Texas Ratio of 12.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cross Keys Bank decreased slightly from 14.90% as of March 31, 2011 to 12.27% as of March 31, 2012, resulting in a positive change of 17.60%.This indicates that the balance sheet and financial strength for Cross Keys Bank has improved slightly in recent periods. Deposit Growth In the past year, Cross Keys Bank has increased its total deposits by $13.9 million, resulting in 5.95% 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 Cross Keys Bank has shown is excellent. 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. Cross Keys Bank has $308.79 million in assets with $37.81 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

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