Crescent Bank & Trust LA

1100 Poydras Street Suite 100
New Orleans, LA 70163
(504) 556-5950
www.cbtno.com
 

Related Blog Posts

2.40% 18-Month CD & 3.40% 44-Month CD at Crescent Bank & Trust in Louisiana - Local Only - 1/8/2010

Crescent Bank & Trust has several competitive CD rates. There are five CD specials, but many of its standard CDs are actually more competitive. These include a 2% APY 12-month CD, a 2.40% APY 18-month CD and a 3.15% APY 36-month CD. Minimum deposit...

4.00% 9-Month CD, 4.10% 15-Month CD and Other CD Specials at Crescent Bank & Trust in Louisiana - 1/7/2009

Update 1/20/2009: These special CD rates have fallen. Please check the bank's website for the latest rates.Crescent Bank & Trust continues to offer some attractive CD specials. They're down from my November post, but they're still very competitive....

4.65% 15-Month / 5.00% 44-Month CD at Crescent Bank & Trust in Louisiana - 11/19/2008

Crescent Bank & Trust continues to offer some competitive CD specials. In fact, the specials have improved since my last post on this bank. The most competitive one is the 15-month CD with a yield of 4.65% APY. The others include a 4.16% APY 9-month...

5.00% 44-Month CD at Crescent Bank & Trust in Louisiana - 9/18/2008

Crescent Bank & Trust has some competitive CD specials. The most competitive are the longer term CDs: 5.00% APY 44-month, 4.75% APY 37-month and 4.50% APY 25-month. The minimum deposit is $5,000.It appears a branch visit may be required to open an...


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See Rates for: CD | IRA

Certificates of Deposit

ApyMinMaxProduct
3.15%$1k-60 Month CD
2.60%$1k-48 Month CD
2.60%$5k-44 Month CD Special
2.50%$1k-36 Month CD
2.50%$5k-37 Month CD Special
2.00%$1k-30 Month CD
1.80%$1k-24 Month CD
1.80%$5k-25 Month CD Special
1.40%$1k-18 Month CD
1.15%$5k-15 Month CD Special
1.10%$1k-12 Monrh CD
0.85%$5k-9 Month CD Special
0.75%$1k-6 Month CD
0.60%$1k-3 Month CD
0.50%$1k-1 Month CD

IRA Accounts

ApyMinMaxProduct
3.15%$1k-60 Month IRA
2.60%$5k-44 Month IRA Special
2.60%$1k-48 Month IRA
2.50%$1k-36 Month IRA
2.50%$5k-37 Month IRA Special
2.00%$1k-30 Month IRA
1.80%$1k-24 Month IRA
1.80%$5k-25 Month IRA Special
1.40%$1k-18 Month IRA
1.15%$5k-15 Month IRA Special
1.10%$1k-12 Month IRA
0.85%$5k-9 Month IRA Special
0.75%$1k-6 Month IRA
0.60%$1k-3 Month IRA
0.50%$1k-1 Month IRA

Institution Statistics


FDIC Certificate #33492
BankRate ReportView
Year Established1991
Employees415
Primary RegulatorFDIC

Assets and Liabilities

Assets$618.84 million
Loans$528.92 million
Deposits$542.06 million
Equity Capital$62.39 million
Loan Loss Allowance$21.01 million
Unbacked Noncurrent Loans$10.35 million
Real Estate Owned$56,000

Historic Data - March 2009

Assets$671.68 million
Equity Capital$58.23 million
Loan Loss Allowance$21.01 million
Unbacked Noncurrent Loans$7.61 million
Real Estate Owned$340,000

Profit Margin - Quarterly

Net Interest Margin11.16%
Return on Assets0.74%
Return on Equity7.33%
Interest Income$20.98 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio5
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, 2010 Crescent Bank & Trust LA had $10.41 million in non-current loans and owned real-estate with $83.4 million in equity and loan loss allowances on hand to cover it. This gives Crescent Bank & Trust LA a Texas Ratio of 12.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Crescent Bank & Trust LA increased slightly from 10.03% as of March 31, 2009 to 12.48% as of March 31, 2010, resulting in a negative change of 24.40%. This indicates that the balance sheet and financial strength for Crescent Bank & Trust LA has declined slightly in recent periods.
Deposit Growth2
In the past year, Crescent Bank & Trust LA has decreased it's total deposits by -$45.37 million, resulting in -7.72% 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 Crescent Bank & Trust LA has shown is below average.
Capitalization3
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. Crescent Bank & Trust LA has $618.84 million in assets with $83.4 million in equity, resulting in a capitalization level of 13.48%, which is average.
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