Call reports 2004
CRESCENT BANK AND TRUST COMPANY — 2004
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 384,156,000 | 415,869,000 | 463,892,000 | 506,461,000 |
| Total loans | 316,167,000 | 354,587,000 | 390,668,000 | 434,762,000 |
| Allowance for loan losses | 3,659,000 | 4,337,000 | 4,513,000 | 5,828,000 |
| Securities available for sale | 17,897,000 | 15,650,000 | 15,177,000 | 13,993,000 |
| Securities held to maturity | 2,563,000 | 2,236,000 | 2,713,000 | 2,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,442,000 | 342,283,000 | 384,381,000 | 414,766,000 |
| Interest-bearing deposits | 274,384,000 | 304,666,000 | 347,573,000 | 374,994,000 |
| Noninterest-bearing deposits | 37,058,000 | 37,617,000 | 36,808,000 | 39,772,000 |
| Equity capital | 49,267,000 | 49,518,000 | 50,141,000 | 49,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,588,000 | 9,658,000 | 15,364,000 | 21,941,000 |
| Interest expense | 1,678,000 | 3,550,000 | 5,922,000 | 8,695,000 |
| Net interest income | 2,910,000 | 6,108,000 | 9,442,000 | 13,246,000 |
| Noninterest income | 603,000 | 1,371,000 | 2,051,000 | 2,604,000 |
| Noninterest expense | 2,446,000 | 4,900,000 | 7,932,000 | 11,273,000 |
| Provision for loan losses | 517,000 | 1,017,000 | 1,487,000 | 3,192,000 |
| Pretax income | 553,000 | 1,579,000 | 2,177,000 | 1,488,000 |
| Income tax | 214,000 | 601,000 | 825,000 | 368,000 |
| Net income | 339,000 | 978,000 | 1,352,000 | 1,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,711,000 | 49,368,000 | 49,761,000 | 49,547,000 |
| Total capital | 52,370,000 | 53,705,000 | 54,274,000 | 55,348,000 |
| Risk-weighted assets | 347,007,000 | 377,824,000 | 419,414,000 | 463,912,000 |