Call reports 2007
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2007
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 570,222,000 | 547,598,000 | 547,910,000 | 554,654,000 |
| Total loans | 409,674,000 | 411,815,000 | 420,644,000 | 405,983,000 |
| Allowance for loan losses | 2,394,000 | 2,418,000 | 2,675,000 | 2,688,000 |
| Securities available for sale | 102,544,000 | 89,418,000 | 91,005,000 | 83,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,952,000 | 460,847,000 | 459,614,000 | 457,176,000 |
| Interest-bearing deposits | 465,516,000 | 437,294,000 | 435,123,000 | 427,958,000 |
| Noninterest-bearing deposits | 22,436,000 | 23,553,000 | 24,491,000 | 29,218,000 |
| Equity capital | 45,137,000 | 44,469,000 | 45,893,000 | 46,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,232,000 | 18,539,000 | 27,933,000 | 36,848,000 |
| Interest expense | 5,659,000 | 11,108,000 | 16,546,000 | 21,629,000 |
| Net interest income | 3,573,000 | 7,431,000 | 11,387,000 | 15,219,000 |
| Noninterest income | 173,000 | 362,000 | 536,000 | 849,000 |
| Noninterest expense | 2,292,000 | 4,530,000 | 6,669,000 | 8,862,000 |
| Provision for loan losses | 0 | 27,000 | 350,000 | 566,000 |
| Pretax income | 1,454,000 | 3,246,000 | 4,914,000 | 6,671,000 |
| Income tax | 514,000 | 1,158,000 | 1,760,000 | 2,361,000 |
| Net income | 940,000 | 2,088,000 | 3,154,000 | 4,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,447,000 | 47,640,000 | 47,652,000 | 47,032,000 |
| Total capital | 48,869,000 | 50,085,000 | 50,354,000 | 49,745,000 |
| Risk-weighted assets | 476,971,000 | 466,520,000 | 470,967,000 | 463,957,000 |
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