PackageTrendsPeer
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Acadian Bank

Thibodaux, LA · Cert 21109

FDIC

Q3 1997

$81.1MAssets
$57.3MLoans
$73.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.81%, down 43 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.95% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.81%-43 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.21%1.09%1.19%1.24%1.30%1.31%1.40%0.81%-43 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)17.53%16.27%17.25%19.37%7.80%9.90%10.21%5.36%-1,401 bps
Loan Growth (YoY)14.68%15.69%20.97%24.57%28.31%21.70%22.17%15.03%-954 bps
Deposit Growth (YoY)17.45%16.22%17.00%20.03%7.41%9.48%10.36%4.80%-1,523 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits61.80%67.73%70.66%71.02%73.82%75.29%78.21%77.95%+693 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a