Yahoo / Market Guide - Crescent Banking Company

Crescent Banking Co. is the holding company of Crescent Bank and Trust Company (the Bank). The Company also owns 100% of Crescent Mortgage Services, Inc. (CMS), which offers wholesale mortgage banking services in Southeast, Northeast and Midwest, United States. Through the Bank, Crescent Banking provides a range of banking and financial services in the areas surrounding Jasper, Georgia. The Company also provides wholesale mortgage banking services to correspondents located in the Atlanta, Georgia metropolitan area and throughout the Southeast United States. CMS offers wholesale mortgage banking services in Southeast, Northeast and Midwest United States and provides servicing for residential mortgage loans.

More from Market Guide: Expanded Business Description

Financial Summary

Crescent Banking Co. is a bank holding company for Crescent Bank and Trust Co. and for Crescent Mortgage Services offering banking services in the New England states. For the six months ended 6/30/01, interest income rose 90% to $14.1 million. Net interest income after loan loss provision rose 90% to $6.8 million. Net income totalled $3.1 million, up from $46 thousand. Results reflect higher interest earning asset balances and increased gains on the sale of mortgage rights.

More from Market Guide: Significant Developments

Officers

[Insider Trade Data]

	FY2000 Compensation
	Pay	Exer

A. James Elliott, 59 Chairman	--	--
J. Donald Boggus, Jr., 37 Pres, CEO, Director	$173K	$14K
John Dean, Sr., 61 Vice Chairman	--	--
Bonnie Boling, 46 Sr. VP, CFO, Director	--	--
Charles Fendley, 55 Sec., Director	--	--
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.

More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options

Statistics at a Glance -- NasdaqSC:CSNT

As of 31-Aug-2001

Price and Volume
52-Week Low on 18-Sep-2000	$`9.25`
Recent Price	$`14.50`
52-Week High on 31-Aug-2001	$`14.50`
Beta	`0.53`
Daily Volume (3-month avg)	`727`
Daily Volume (10-day avg)	`2,000`
Stock Performance
big chart [1d \| 5d \| 3m \| 6m \| 1y \| 2y \| 5y]
52-Week Change	`+38.1%`
52-Week Change relative to S&P500	`+85.3%`
Share-Related Items
Market Capitalization	$`26.4M`
Shares Outstanding	`1.82M`
Float	`1.20M`
Dividends & Splits
Annual Dividend (indicated)	$`0.31`
Dividend Yield	`2.14%`
Last Split	none

Per-Share Data
Book Value (mrq)	$`11.14`
Earnings (ttm)	$`2.23`
Earnings (mrq)	$`1.25`
Sales (ttm)	$`13.24`
Cash (mrq)	$`5.54`
Valuation Ratios
Price/Book (mrq)	`1.30`
Price/Earnings (ttm)	`6.51`
Price/Sales (ttm)	`1.09`
Income Statements
Sales (ttm)	$`24.3M`
EBITDA	N/A
Income available to common (ttm)	$`4.11M`
Profitability
Profit Margin (ttm)	`16.9%`
Fiscal Year
Fiscal Year Ends	Dec 31
Most recent quarter	30-June-2001

Management Effectiveness
Return on Assets (ttm)	`1.56%`
Return on Equity (ttm)	`24.66%`
Financial Strength
Current Ratio	N/A
Long-Term Debt/Equity (mrq)	`0`
Total Cash (mrq)	$`10.1M`
Short Interest As of 8-Aug-2001
Shares Short	`1,000`
Percent of Float	`0.1%`
Shares Short (Prior Month)	`0`
Short Ratio	`1.00`
Daily Volume	`1,000`

See Profile Help for a description of each item above; M = millions; mrq = most-recent quarter; ttm = trailing twelve months; (as of 30-June-2001)

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