Call reports 2009
CRESCENT BANK AND TRUST COMPANY — 2009
What CRESCENT BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,061,637,000 | 1,035,771,000 | 1,028,761,000 | 991,838,000 |
| Total loans | 776,484,000 | 772,125,000 | 753,978,000 | 731,572,000 |
| Allowance for loan losses | 21,511,000 | 25,080,000 | 25,135,000 | 27,935,000 |
| Securities available for sale | 31,922,000 | 26,141,000 | 28,469,000 | 26,356,000 |
| Securities held to maturity | 4,000,000 | 3,500,000 | 3,650,000 | 4,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 968,291,000 | 950,716,000 | 957,626,000 | 933,054,000 |
| Interest-bearing deposits | 924,130,000 | 909,875,000 | 917,343,000 | 898,091,000 |
| Noninterest-bearing deposits | 44,161,000 | 40,841,000 | 40,283,000 | 34,963,000 |
| Equity capital | 56,072,000 | 46,938,000 | 37,462,000 | 25,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,710,000 | 23,129,000 | 34,126,000 | 44,927,000 |
| Interest expense | 8,983,000 | 17,519,000 | 25,427,000 | 32,263,000 |
| Net interest income | 2,727,000 | 5,610,000 | 8,699,000 | 12,664,000 |
| Noninterest income | 911,000 | 1,904,000 | 2,783,000 | 3,791,000 |
| Noninterest expense | 6,510,000 | 13,484,000 | 18,886,000 | 27,686,000 |
| Provision for loan losses | 2,680,000 | 7,880,000 | 15,080,000 | 26,201,000 |
| Pretax income | -5,552,000 | -13,850,000 | -22,484,000 | -37,432,000 |
| Income tax | -822,000 | 0 | 0 | -3,050,000 |
| Net income | -4,730,000 | -13,850,000 | -22,484,000 | -34,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,428,000 | 46,488,000 | 36,890,000 | 25,013,000 |
| Total capital | 66,211,000 | 57,100,000 | 47,244,000 | 35,130,000 |
| Risk-weighted assets | 851,872,000 | 834,453,000 | 813,545,000 | 791,507,000 |