Call reports 2005
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 477,731,000 | 488,526,000 | 517,316,000 | 500,057,000 |
| Total loans | 300,333,000 | 319,064,000 | 325,197,000 | 325,944,000 |
| Allowance for loan losses | 2,205,000 | 2,208,000 | 2,368,000 | 2,285,000 |
| Securities available for sale | 130,997,000 | 80,073,000 | 143,641,000 | 128,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,641,000 | 417,623,000 | 411,406,000 | 430,882,000 |
| Interest-bearing deposits | 384,223,000 | 399,976,000 | 390,618,000 | 404,875,000 |
| Noninterest-bearing deposits | 17,418,000 | 17,647,000 | 20,788,000 | 26,007,000 |
| Equity capital | 34,797,000 | 37,588,000 | 38,461,000 | 35,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,706,000 | 11,796,000 | 18,366,000 | 25,266,000 |
| Interest expense | 2,850,000 | 5,985,000 | 9,467,000 | 13,252,000 |
| Net interest income | 2,856,000 | 5,811,000 | 8,899,000 | 12,014,000 |
| Noninterest income | 394,000 | 682,000 | 1,137,000 | 1,361,000 |
| Noninterest expense | 1,807,000 | 3,422,000 | 5,164,000 | 6,789,000 |
| Provision for loan losses | 43,000 | 65,000 | 218,000 | 275,000 |
| Pretax income | 1,400,000 | 3,081,000 | 4,735,000 | 6,392,000 |
| Income tax | 505,000 | 1,106,000 | 1,703,000 | 2,306,000 |
| Net income | 895,000 | 1,975,000 | 3,032,000 | 4,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,057,000 | 38,137,000 | 39,194,000 | 37,398,000 |
| Total capital | 39,262,000 | 40,345,000 | 41,562,000 | 39,707,000 |
| Risk-weighted assets | 345,608,000 | 359,833,000 | 377,593,000 | 370,268,000 |
Machine access — free, no API key
Every figure shown here about CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2005 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 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.