Call reports 2006
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2006
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 515,363,000 | 520,266,000 | 560,528,000 | 579,514,000 |
| Total loans | 338,547,000 | 354,320,000 | 383,915,000 | 404,048,000 |
| Allowance for loan losses | 2,275,000 | 2,236,000 | 2,329,000 | 2,406,000 |
| Securities available for sale | 130,842,000 | 112,817,000 | 116,971,000 | 128,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,605,000 | 450,282,000 | 481,910,000 | 498,569,000 |
| Interest-bearing deposits | 416,932,000 | 426,682,000 | 459,581,000 | 476,971,000 |
| Noninterest-bearing deposits | 19,673,000 | 23,600,000 | 22,329,000 | 21,598,000 |
| Equity capital | 36,310,000 | 35,935,000 | 39,905,000 | 45,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,261,000 | 14,944,000 | 23,498,000 | 32,674,000 |
| Interest expense | 4,070,000 | 8,596,000 | 13,822,000 | 19,555,000 |
| Net interest income | 3,191,000 | 6,348,000 | 9,676,000 | 13,119,000 |
| Noninterest income | 265,000 | 401,000 | 550,000 | 723,000 |
| Noninterest expense | 1,844,000 | 3,733,000 | 5,865,000 | 8,060,000 |
| Provision for loan losses | 190,000 | 190,000 | 308,000 | 420,000 |
| Pretax income | 1,423,000 | 2,827,000 | 4,054,000 | 5,363,000 |
| Income tax | 510,000 | 1,014,000 | 1,430,000 | 1,894,000 |
| Net income | 913,000 | 1,813,000 | 2,624,000 | 3,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,403,000 | 39,599,000 | 41,658,000 | 47,210,000 |
| Total capital | 40,702,000 | 41,859,000 | 44,011,000 | 49,644,000 |
| Risk-weighted assets | 385,935,000 | 402,909,000 | 439,412,000 | 470,283,000 |
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