Church and Faith-based Publications
Rives, Leavell & Co. is committed to helping churches and other
faith-based organizations make the best decisions regarding their capital
and financing projects. To that end, we make available the following
publications.
Click the name of the publication you are interested in viewing. To view
some of our publications Adobe Acrobat Reader is required (free software). 
Loan Analysis Worksheet
A single page form allowing a church to submit an overview of their financial
position and project for review by an RLC Loan Officer in preparation
for an interview. This form can be printed and emailed to rlcinfo@rivesleavell.com, mailed or
faxed to RLC using the downloadable files below. Upon receipt,
a Loan Officer will call to schedule a time to discuss your project
at no cost or obligation to the church.
Right-click, then Save As to Download Files:
> (Adobe
Acrobat®)
> (Microsoft
Excel®)
Rives, Leavell & Co. respects your privacy. .
Church Market Report
A quarterly newsletter published by Rives, Leavell & Co. designed to provide pertinent information on issues affecting church growth and development. Topics include: construction issues, financial statement preparation, appraisals, interest rates, giving patterns,
capital stewardship, finances and a wealth of other issues.
Lending Rates
Our Prime Rate chart outlines the movement of the Prime Lending Rate (the
indices most often used in calculating mortgage loan rates) over
the last three decades. This overview will assist a church in
determining the need for adjustable or permanent financing from
a historical perspective.
The interest rate that banks charge each other for loans (usually in Eurodollars). This rate is applicable to the short-term international inter-bank market, and applies to very large loans borrowed for anywhere from one day to five years. This market allows banks with liquidity requirements to borrow quickly from other banks with surpluses, enabling banks to avoid holding excessively large amounts of their asset base as liquid assets. This LIBOR is officially fixed once a day by small group of large London banks, but the rate changes throughout that day.
Treasury Bond. A negotiable, couponbearing debt obligation issued by the U.S. government and backed by its full faith and credit, having a maturity of 10 years. U.S. Treasury Bonds are exempt from state and local taxes. Denominations range from $1,000 to $1 million. U.S. Treasury Bonds pay interest every 6 months at a fixed coupon rate. These bonds are not callable, but some older U.S. Treasury Bonds available on the secondary market are callable within five years of the maturity date, also called Treasury bond or T-bond.
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