Call reports 2007
CRESCENT BANK AND TRUST COMPANY — 2007
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 802,149,000 | 867,986,000 | 896,041,000 | 916,462,000 |
| Total loans | 712,944,000 | 767,828,000 | 802,596,000 | 815,238,000 |
| Allowance for loan losses | 8,135,000 | 8,820,000 | 9,427,000 | 9,826,000 |
| Securities available for sale | 16,087,000 | 20,210,000 | 21,151,000 | 22,396,000 |
| Securities held to maturity | 1,728,000 | 728,000 | 728,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,434,000 | 754,272,000 | 769,443,000 | 788,622,000 |
| Interest-bearing deposits | 670,323,000 | 732,590,000 | 751,030,000 | 771,308,000 |
| Noninterest-bearing deposits | 19,111,000 | 21,682,000 | 18,413,000 | 17,314,000 |
| Equity capital | 69,805,000 | 71,536,000 | 82,772,000 | 84,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,076,000 | 31,101,000 | 48,473,000 | 65,710,000 |
| Interest expense | 7,878,000 | 16,346,000 | 25,588,000 | 35,011,000 |
| Net interest income | 7,198,000 | 14,755,000 | 22,885,000 | 30,699,000 |
| Noninterest income | 902,000 | 1,888,000 | 2,916,000 | 3,956,000 |
| Noninterest expense | 4,894,000 | 10,086,000 | 15,564,000 | 20,605,000 |
| Provision for loan losses | 490,000 | 1,205,000 | 1,941,000 | 2,676,000 |
| Pretax income | 2,716,000 | 5,352,000 | 8,296,000 | 11,374,000 |
| Income tax | 1,012,000 | 1,985,000 | 3,041,000 | 4,048,000 |
| Net income | 1,704,000 | 3,367,000 | 5,255,000 | 7,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,101,000 | 68,046,000 | 79,103,000 | 80,287,000 |
| Total capital | 74,236,000 | 76,866,000 | 88,530,000 | 90,113,000 |
| Risk-weighted assets | 760,837,000 | 824,627,000 | 855,831,000 | 866,049,000 |