Call reports 2006
CRESCENT BANK AND TRUST COMPANY — 2006
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 715,696,000 | 750,210,000 | 757,232,000 | 776,823,000 |
| Total loans | 611,737,000 | 629,452,000 | 672,554,000 | 697,538,000 |
| Allowance for loan losses | 7,024,000 | 7,286,000 | 7,732,000 | 8,023,000 |
| Securities available for sale | 18,031,000 | 18,485,000 | 18,280,000 | 17,495,000 |
| Securities held to maturity | 2,068,000 | 2,067,000 | 1,642,000 | 1,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 601,039,000 | 633,884,000 | 643,588,000 | 663,511,000 |
| Interest-bearing deposits | 585,093,000 | 610,335,000 | 622,294,000 | 642,770,000 |
| Noninterest-bearing deposits | 15,946,000 | 23,549,000 | 21,294,000 | 20,741,000 |
| Equity capital | 62,824,000 | 64,839,000 | 66,785,000 | 68,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,098,000 | 25,348,000 | 39,678,000 | 55,018,000 |
| Interest expense | 5,760,000 | 11,886,000 | 19,043,000 | 27,005,000 |
| Net interest income | 6,338,000 | 13,462,000 | 20,635,000 | 28,013,000 |
| Noninterest income | 735,000 | 1,490,000 | 2,292,000 | 3,047,000 |
| Noninterest expense | 4,003,000 | 8,067,000 | 12,569,000 | 16,993,000 |
| Provision for loan losses | 470,000 | 865,000 | 1,353,000 | 2,083,000 |
| Pretax income | 2,600,000 | 6,020,000 | 9,005,000 | 11,984,000 |
| Income tax | 994,000 | 2,315,000 | 3,467,000 | 4,340,000 |
| Net income | 1,606,000 | 3,705,000 | 5,538,000 | 7,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,138,000 | 61,269,000 | 63,133,000 | 65,271,000 |
| Total capital | 66,162,000 | 68,555,000 | 70,865,000 | 73,294,000 |
| Risk-weighted assets | 661,347,000 | 681,301,000 | 709,440,000 | 739,415,000 |