Call reports 2003
CRESCENT BANK AND TRUST COMPANY — 2003
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 352,450,000 | 312,852,000 | 315,340,000 | 340,577,000 |
| Total loans | 298,966,000 | 242,259,000 | 262,103,000 | 277,177,000 |
| Allowance for loan losses | 2,873,000 | 3,117,000 | 3,285,000 | 3,243,000 |
| Securities available for sale | 8,073,000 | 15,577,000 | 16,817,000 | 16,591,000 |
| Securities held to maturity | 7,248,000 | 6,599,000 | 3,895,000 | 3,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,400,000 | 279,390,000 | 275,406,000 | 296,820,000 |
| Interest-bearing deposits | 219,001,000 | 241,957,000 | 243,891,000 | 257,133,000 |
| Noninterest-bearing deposits | 70,399,000 | 37,433,000 | 31,515,000 | 39,687,000 |
| Equity capital | 25,098,000 | 28,003,000 | 29,494,000 | 31,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,297,000 | 8,477,000 | 12,652,000 | 16,900,000 |
| Interest expense | 1,856,000 | 3,541,000 | 5,064,000 | 6,630,000 |
| Net interest income | 2,441,000 | 4,936,000 | 7,588,000 | 10,270,000 |
| Noninterest income | 7,622,000 | 10,264,000 | 12,986,000 | 15,733,000 |
| Noninterest expense | 5,786,000 | 9,291,000 | 11,585,000 | 14,295,000 |
| Provision for loan losses | 353,000 | 636,000 | 866,000 | 1,140,000 |
| Pretax income | 4,139,000 | 5,500,000 | 8,472,000 | 10,917,000 |
| Income tax | 1,573,000 | 2,103,000 | 3,307,000 | 4,054,000 |
| Net income | 2,566,000 | 3,397,000 | 5,165,000 | 6,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,501,000 | 27,350,000 | 29,137,000 | 30,853,000 |
| Total capital | 27,374,000 | 30,467,000 | 32,422,000 | 34,096,000 |
| Risk-weighted assets | 290,741,000 | 274,240,000 | 289,309,000 | 307,727,000 |