Call reports 2002
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2002
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 194,130,000 | 213,164,000 | 268,049,000 | 296,755,000 |
| Total loans | 143,045,000 | 164,501,000 | 172,272,000 | 198,952,000 |
| Allowance for loan losses | 886,000 | 979,000 | 1,048,000 | 1,175,000 |
| Securities available for sale | 31,040,000 | 29,410,000 | 28,021,000 | 62,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,053,000 | 183,979,000 | 233,656,000 | 258,290,000 |
| Interest-bearing deposits | 166,861,000 | 172,791,000 | 222,154,000 | 247,151,000 |
| Noninterest-bearing deposits | 9,192,000 | 11,188,000 | 11,502,000 | 11,139,000 |
| Equity capital | 17,596,000 | 21,005,000 | 25,344,000 | 27,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,921,000 | 6,065,000 | 9,426,000 | 12,908,000 |
| Interest expense | 1,472,000 | 3,011,000 | 4,849,000 | 6,782,000 |
| Net interest income | 1,449,000 | 3,054,000 | 4,577,000 | 6,126,000 |
| Noninterest income | 405,000 | 667,000 | 1,186,000 | 1,849,000 |
| Noninterest expense | 1,189,000 | 2,339,000 | 3,734,000 | 5,338,000 |
| Provision for loan losses | 144,000 | 294,000 | 453,000 | 819,000 |
| Pretax income | 481,000 | 1,058,000 | 1,541,000 | 1,782,000 |
| Income tax | 171,000 | 381,000 | 562,000 | 629,000 |
| Net income | 310,000 | 677,000 | 979,000 | 1,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,190,000 | 21,057,000 | 25,359,000 | 27,533,000 |
| Total capital | 19,076,000 | 22,036,000 | 26,407,000 | 28,708,000 |
| Risk-weighted assets | 156,849,000 | 178,709,000 | 209,285,000 | 234,096,000 |
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