Call reports 2008
CRESCENT BANK AND TRUST COMPANY — 2008
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 950,001,000 | 974,768,000 | 1,038,428,000 | 1,035,337,000 |
| Total loans | 824,325,000 | 818,685,000 | 805,348,000 | 786,062,000 |
| Allowance for loan losses | 12,967,000 | 12,324,000 | 12,561,000 | 22,280,000 |
| Securities available for sale | 23,298,000 | 22,156,000 | 21,937,000 | 33,594,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 825,732,000 | 851,659,000 | 918,830,000 | 937,831,000 |
| Interest-bearing deposits | 778,697,000 | 807,366,000 | 873,499,000 | 895,341,000 |
| Noninterest-bearing deposits | 47,035,000 | 44,293,000 | 45,331,000 | 42,490,000 |
| Equity capital | 82,058,000 | 81,864,000 | 83,166,000 | 60,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,735,000 | 28,111,000 | 41,731,000 | 54,678,000 |
| Interest expense | 9,157,000 | 18,093,000 | 26,966,000 | 36,149,000 |
| Net interest income | 5,578,000 | 10,018,000 | 14,765,000 | 18,529,000 |
| Noninterest income | 960,000 | 1,850,000 | 2,776,000 | 3,575,000 |
| Noninterest expense | 5,683,000 | 11,169,000 | 16,558,000 | 27,785,000 |
| Provision for loan losses | 3,604,000 | 9,726,000 | 11,698,000 | 25,848,000 |
| Pretax income | -2,749,000 | -9,027,000 | -10,715,000 | -31,529,000 |
| Income tax | -1,143,000 | -3,569,000 | -4,158,000 | -1,824,000 |
| Net income | -1,606,000 | -5,458,000 | -6,557,000 | -29,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,127,000 | 78,317,000 | 79,399,000 | 59,997,000 |
| Total capital | 89,089,000 | 89,315,000 | 90,589,000 | 70,788,000 |
| Risk-weighted assets | 874,994,000 | 878,527,000 | 893,864,000 | 851,794,000 |