Call reports 2009
CRESCENT BANK — 2009
What CRESCENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 671,684,000 | 666,420,000 | 624,238,000 | 609,357,000 |
| Total loans | 579,667,000 | 589,892,000 | 561,032,000 | 531,074,000 |
| Allowance for loan losses | 17,989,000 | 21,201,000 | 20,867,000 | 19,304,000 |
| Securities available for sale | 30,310,000 | 35,227,000 | 28,349,000 | 23,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,430,000 | 582,625,000 | 545,902,000 | 533,866,000 |
| Interest-bearing deposits | 579,192,000 | 573,542,000 | 537,239,000 | 524,716,000 |
| Noninterest-bearing deposits | 8,238,000 | 9,083,000 | 8,663,000 | 9,150,000 |
| Equity capital | 58,227,000 | 59,710,000 | 61,520,000 | 62,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 23,099,000 | 47,989,000 | 71,854,000 | 93,158,000 |
| Interest expense | 6,001,000 | 11,961,000 | 17,641,000 | 22,828,000 |
| Net interest income | 17,098,000 | 36,028,000 | 54,213,000 | 70,330,000 |
| Noninterest income | 958,000 | 1,160,000 | 2,480,000 | 2,861,000 |
| Noninterest expense | 10,597,000 | 21,517,000 | 32,835,000 | 45,252,000 |
| Provision for loan losses | 6,000,000 | 12,325,000 | 18,325,000 | 21,325,000 |
| Pretax income | 1,459,000 | 3,346,000 | 5,533,000 | 6,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,459,000 | 3,346,000 | 5,533,000 | 6,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,870,000 | 59,482,000 | 61,143,000 | 61,975,000 |
| Total capital | 65,431,000 | 67,114,000 | 68,405,000 | 68,919,000 |
| Risk-weighted assets | 594,863,000 | 596,993,000 | 567,395,000 | 543,190,000 |
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