Crescent Bank & Trust in New Orleans, Louisiana (LA), FL, OH, TX, IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Crescent Bank & Trust in New Orleans, Louisiana (LA), FL, OH, TX, IL
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Crescent Bank & Trust - Overview

  • General
  • FDIC Certificate #: 33492
    Status: Active
    Federal Reserve ID: 1885932
    Bank Holding Company (Regulatory Top Holder): Cb&T Holding Corporation (RSSDID: 2254508, Location: New Orleans, LA)
    Date Established: August 30, 1991
    WWW: http://www.cbtno.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 27 (Domestic: 27, Interstate: Yes)
    FDIC's unique #: 47216
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: August 30, 1991
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Poydras Street, New Orleans, LA 70163
    County: Orleans
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $624.5 mil
    Equity capital: $70.4 mil
    Deposits held in domestic offices: $542.4 mil
    Return on assets (ROA): 2.22% ($13.9 mil)
    Quarterly return on assets: 2.30% ($14.4 mil)
    Return on Equity (ROE): 19.08% ($13.4 mil)
    Quarterly return on equity: 20.25% ($14.2 mil)
    Net income: $13.1 mil
    Quarterly Net income: $3.5 mil
    Pretax return on assets: 2.22% ($13,863.3 mil)
    Quarterly Pretax return on assets: 2.30% ($14,362.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 417Total employees (full-time equivalent)
  • $624,475Total assets
  • $9,373Cash and due from depository institutions
  • $1,092Interest-bearing balances
  • $47,644Securities
  • $1,300Federal funds sold & reverse repurchase agreements
  • $535,552Net loans & leases
  • $21,065Loan loss allowance
  • $0Trading account assets
  • $4,515Bank premises and fixed assets
  • $754Other real estate owned
  • $21Goodwill and other intangibles
  • $624,475Life insurance assets
  • $25,316All other assets
  • $554,082Total liabilities and capital
  • $542,356Total liabilities
  • $530,805Total deposits
  • $542,356Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,600Trading liabilities
  • $0Other borrowed funds
  • $4,126Subordinated debt
  • $70,393All other liabilities
  • $70,393Total equity capital
  • $70,393Total bank equity capital
  • $0Perpetual preferred stock
  • $510Common stock
  • $25,150Surplus
  • $44,733Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,142Income earned, not collected on loans
  • $0Earning assets
  • $7,293Long-term assets (5+ years)
  • $585,588Average Assets, year-to-date
  • $130,277Average Assets, quarterly
  • $590,009Volatile liabilities
  • $614,989Insider loans
  • $572,710FHLB advances
  • $616,776Loans and leases held for sale
  • $6,575Unused loan commitments
  • $6,575Tier 1 (core) risk-based capital
  • $69,887Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,951Restructured Loans and leases
  • $1,646Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $84,640Total interest income
  • $15,230Total interest expense
  • $69,410Net interest income
  • $8,850Provision for loan and lease losses
  • $2,696Total noninterest income
  • $0Fiduciary activities
  • $64Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,632Additional noninterest income
  • $49,923Total noninterest expense
  • $25,942Salaries and employee benefits
  • $4,703Premises and equipment expense
  • $19,278Additional noninterest expense
  • $13,333Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $13,333Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,127Net income attributable to bank
  • $206Net charge-offs
  • $13,333Cash dividends
  • $5,171Sale, conversion, retirement of capital stock, net
  • $10,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 15.29%Yield on earning assets
  • 2.75%Cost of funding earning assets
  • 12.54%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 9.02%Noninterest expense to earning assets
  • 2.26%Net operating income to assets
  • 2.22%Return on assets (ROA)
  • 2.22%Pretax return on assets
  • 19.08%Return on equity (ROE)
  • 4.40%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 171.15%Credit loss provision to net charge-offs
  • 4.29%Efficiency ratio
  • 69,236Assets per employee
  • 1.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.94%Loss allowance to loans
  • 3.78%Loss allowance to noncurrent loans
  • 342.97%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 98.75%Net loans and leases to core deposits
  • 111.71%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 11.33%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $590,009Average earning assets
  • $68,813Average equity
  • $553,446Average loans

List of branches

  • 5 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    22444114Crescent Bank & Trust Jacksonville L9485 Regency Square Boulevard, Suite 109, Jacksonville, FL 32225May 13, 2005Limited Service Loan Production
    33468278Crescent Bank & Trust Fort Lauderdal800 Corporate Drive, Suite 206, Fort Lauderdale, FL 33334October 01, 2007Limited Service Loan Production
    34468820Crescent Bank & Trust Tampa Loan Pro6107 F Memorial Highway, Tampa, FL 33615October 31, 2007Limited Service Loan Production
    58520040Pensacola Loan Production Office25 West Cedar Street, Suite 105, Pensacola, FL 32502June 01, 2011Limited Service Loan Production
    59521962Crescent Bank & Trust Orlando Loan P5950 Hazeltine National Drive, Suite 265, Orlando, FL 32822August 01, 2011Limited Service Loan Production
  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    53515132Crescent Bank & Trust, New Orleans, Louisiana Loan Production Office1 Dearborn Square, Suite 655, Kankakee, IL 60901October 07, 2010Limited Service Loan Production
  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    55518619Crescent Bank & Trust Indianapolis L2935 East 96th Street, Suite 200, Indianapolis, IN 46240April 15, 2011Limited Service Loan Production
  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047216Crescent Bank & Trust1100 Poydras Street, New Orleans, LA 70163August 30, 1991Full Service Brick and Mortar
    27451933Metairie Branch1000 Veterans Boulevard, Suite 100, Metairie, LA 70005June 21, 2006Full Service Brick and Mortar
    39482610Shreveport Branch900 Pierremont, Suite 120, Shreveport, LA 71106November 25, 1997Full Service Brick and Mortar
    42482613Alexandria Branch5208 Jackson Street Ext., Suite C, Alexandria, LA 71303November 26, 1997Full Service Brick and Mortar
    45496428Crescent Bank & Trust - Covington Br106 Park Place, Suite 115, Covington, LA 70433November 05, 2009Full Service Brick and Mortar
    46506261Baton Rouge Branch4870 Bluebonnet Boulevard, Suite A, Baton Rouge, LA 70809March 01, 2010Full Service Brick and Mortar
    60522276Monroe Branch1816 Glenmar Avenue, Suite 2, Monroe, LA 71201August 31, 2011Full Service Brick and Mortar
    61525916Lafayette Branch100 Asma Boulevard, Suite 140-E, Lafayette, LA 70508September 27, 2011Full Service Brick and Mortar
  • 1 Michigan Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    28455619Dearborn Loan Production Office23400 Michigan Avenue, Suite 108, Dearborn, MI 48124October 01, 2006Limited Service Loan Production
  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    48512927Crescent Bank & Trust Rochester Loan805 Ridge Road, Webster, NY 14580September 15, 2008Limited Service Loan Production
  • 1 North Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    54516200Charlotte Loan Production Office4801 East Independence Boulevard, 2nd Floor, Charlotte, NC 28212Febuary 01, 2011Limited Service Loan Production
  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    23444115Crescent Bank & Trust Cincinnati Lpo11499 Chester Road, Cincinnati, OH 45246June 13, 2005Limited Service Loan Production
    24444116Crescent Bank & Trust Cleveland Lpo5755 Granger Road, Independence, OH 44131June 13, 2005Limited Service Loan Production
    63526486Crescent Bank & Trust Toledo Loan Pr3454 Oak Alley Court, Suite 306, Toledo, OH 43606July 20, 2005Limited Service Loan Production
  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    49512928Crescent Bank & Trust Loan Productio7615 East 63rd Place, Suite 101, Tulsa, OK 74133October 01, 2008Limited Service Loan Production
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    57518621Crescent Bank & Trust Pittsburgh Loa4099 William Penn Highway, Suite 703, Monroeville, PA 15146April 15, 2011Limited Service Loan Production
  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    47512926Crescent Bank & Trust Houston Loan P17350 Sh 249, Suite 250, Houston, TX 77064August 15, 2008Limited Service Loan Production
    51513404Crescent Bank & Trust - Dallas Loan5750 Genesis Court, Suite 103, Frisco, TX 75034October 15, 2010Limited Service Loan Production
    56518620Crescent Bank & Trust San Antonio Lo8301 Broadway, Suite 120, San Antonio, TX 78209April 15, 2011Limited Service Loan Production
  • 1 Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    52513646Crescent Bank & Trust Chesapeake Loa510 Independence Parkway, Suite 300, Chesapeake, VA 23320June 01, 2006Limited Service Loan Production

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