Call reports 2003
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 332,594,000 | 356,999,000 | 373,516,000 | 428,614,000 |
| Total loans | 221,814,000 | 252,496,000 | 264,148,000 | 273,252,000 |
| Allowance for loan losses | 1,337,000 | 1,478,000 | 1,630,000 | 1,753,000 |
| Securities available for sale | 31,398,000 | 28,445,000 | 65,852,000 | 86,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,316,000 | 316,986,000 | 333,070,000 | 383,816,000 |
| Interest-bearing deposits | 281,300,000 | 303,367,000 | 317,794,000 | 358,454,000 |
| Noninterest-bearing deposits | 13,016,000 | 13,619,000 | 15,276,000 | 25,362,000 |
| Equity capital | 30,245,000 | 32,745,000 | 33,289,000 | 37,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,817,000 | 7,909,000 | 12,439,000 | 17,184,000 |
| Interest expense | 1,976,000 | 4,057,000 | 6,170,000 | 8,340,000 |
| Net interest income | 1,841,000 | 3,852,000 | 6,269,000 | 8,844,000 |
| Noninterest income | 553,000 | 1,155,000 | 1,707,000 | 2,050,000 |
| Noninterest expense | 1,622,000 | 3,325,000 | 5,119,000 | 6,890,000 |
| Provision for loan losses | 219,000 | 447,000 | 684,000 | 825,000 |
| Pretax income | 596,000 | 1,311,000 | 2,245,000 | 3,251,000 |
| Income tax | 210,000 | 466,000 | 803,000 | 1,162,000 |
| Net income | 386,000 | 845,000 | 1,442,000 | 2,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,269,000 | 32,728,000 | 34,075,000 | 38,222,000 |
| Total capital | 31,606,000 | 34,206,000 | 35,705,000 | 39,975,000 |
| Risk-weighted assets | 261,699,000 | 295,910,000 | 316,376,000 | 344,987,000 |
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Every figure shown here about CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.