PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rapides B&T Co. in Alexandria

Alexandria, LA · Cert 8523

FDIC

Q3 1998

$514.3MAssets
$300.6MLoans
$451.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.82%, down 33 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.63% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.82%-33 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.54%1.15%1.15%1.15%1.16%0.96%0.64%0.82%-33 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)-5.86%0.28%3.31%3.04%2.25%0.98%1.01%-1.52%-457 bps
Loan Growth (YoY)22.86%26.14%18.13%13.88%7.19%3.74%4.27%0.27%-1,361 bps
Deposit Growth (YoY)-6.78%0.11%3.15%1.83%2.29%0.86%0.94%-0.97%-281 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 / Deposits62.19%61.35%63.07%65.81%65.16%63.11%65.14%66.63%+83 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