Call reports 2005
CRESCENT BANK AND TRUST COMPANY — 2005
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 543,491,000 | 656,510,000 | 688,078,000 | 699,875,000 |
| Total loans | 462,998,000 | 571,725,000 | 589,029,000 | 594,722,000 |
| Allowance for loan losses | 5,967,000 | 7,450,000 | 7,083,000 | 6,712,000 |
| Securities available for sale | 14,389,000 | 14,687,000 | 15,489,000 | 14,766,000 |
| Securities held to maturity | 2,069,000 | 2,069,000 | 2,069,000 | 2,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,226,000 | 549,239,000 | 575,440,000 | 585,847,000 |
| Interest-bearing deposits | 410,544,000 | 504,433,000 | 529,169,000 | 543,403,000 |
| Noninterest-bearing deposits | 39,682,000 | 44,806,000 | 46,271,000 | 42,444,000 |
| Equity capital | 50,841,000 | 54,842,000 | 60,098,000 | 61,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,299,000 | 16,607,000 | 27,100,000 | 38,551,000 |
| Interest expense | 3,204,000 | 7,318,000 | 12,272,000 | 17,647,000 |
| Net interest income | 4,095,000 | 9,289,000 | 14,828,000 | 20,904,000 |
| Noninterest income | 707,000 | 1,497,000 | 2,156,000 | 3,042,000 |
| Noninterest expense | 2,932,000 | 6,613,000 | 10,721,000 | 14,868,000 |
| Provision for loan losses | 388,000 | 1,148,000 | 1,473,000 | 2,224,000 |
| Pretax income | 1,741,000 | 3,350,000 | 5,115,000 | 7,179,000 |
| Income tax | 669,000 | 1,276,000 | 1,947,000 | 2,732,000 |
| Net income | 1,072,000 | 2,074,000 | 3,168,000 | 4,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,638,000 | 50,900,000 | 56,196,000 | 57,501,000 |
| Total capital | 56,605,000 | 58,350,000 | 63,279,000 | 64,213,000 |
| Risk-weighted assets | 498,667,000 | 607,281,000 | 629,935,000 | 639,008,000 |