Call reports 2004
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 445,518,000 | 454,574,000 | 461,928,000 | 478,534,000 |
| Total loans | 279,836,000 | 295,162,000 | 297,796,000 | 307,648,000 |
| Allowance for loan losses | 1,947,000 | 1,993,000 | 2,103,000 | 2,163,000 |
| Securities available for sale | 72,532,000 | 109,579,000 | 94,828,000 | 130,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,208,000 | 391,359,000 | 404,511,000 | 404,055,000 |
| Interest-bearing deposits | 368,375,000 | 368,723,000 | 381,695,000 | 381,331,000 |
| Noninterest-bearing deposits | 20,833,000 | 22,636,000 | 22,816,000 | 22,724,000 |
| Equity capital | 38,710,000 | 37,079,000 | 36,226,000 | 35,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,923,000 | 9,890,000 | 15,105,000 | 20,625,000 |
| Interest expense | 2,336,000 | 4,680,000 | 7,131,000 | 9,814,000 |
| Net interest income | 2,587,000 | 5,210,000 | 7,974,000 | 10,811,000 |
| Noninterest income | 392,000 | 819,000 | 1,206,000 | 1,707,000 |
| Noninterest expense | 1,811,000 | 3,653,000 | 5,548,000 | 7,422,000 |
| Provision for loan losses | 199,000 | 281,000 | 448,000 | 570,000 |
| Pretax income | 1,054,000 | 2,180,000 | 3,323,000 | 4,643,000 |
| Income tax | 388,000 | 808,000 | 1,228,000 | 1,703,000 |
| Net income | 666,000 | 1,372,000 | 2,095,000 | 2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,888,000 | 39,594,000 | 36,817,000 | 36,162,000 |
| Total capital | 40,835,000 | 41,587,000 | 38,920,000 | 38,325,000 |
| Risk-weighted assets | 343,111,000 | 355,002,000 | 359,310,000 | 363,964,000 |
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