Call reports 2008
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2008
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 556,830,000 | 590,937,000 | 585,037,000 | 608,016,000 |
| Total loans | 415,300,000 | 445,321,000 | 445,105,000 | 461,998,000 |
| Allowance for loan losses | 2,938,000 | 2,895,000 | 2,810,000 | 2,884,000 |
| Securities available for sale | 59,513,000 | 98,028,000 | 92,354,000 | 27,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,155,000 | 481,899,000 | 482,446,000 | 502,312,000 |
| Interest-bearing deposits | 422,750,000 | 455,128,000 | 449,745,000 | 460,546,000 |
| Noninterest-bearing deposits | 24,405,000 | 26,771,000 | 32,701,000 | 41,766,000 |
| Equity capital | 45,761,000 | 46,094,000 | 48,477,000 | 50,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,177,000 | 15,804,000 | 23,526,000 | 31,262,000 |
| Interest expense | 4,374,000 | 8,294,000 | 12,273,000 | 15,989,000 |
| Net interest income | 3,803,000 | 7,510,000 | 11,253,000 | 15,273,000 |
| Noninterest income | 812,000 | 1,920,000 | 2,423,000 | 3,084,000 |
| Noninterest expense | 2,292,000 | 4,493,000 | 6,835,000 | 9,508,000 |
| Provision for loan losses | 380,000 | 380,000 | 380,000 | 551,000 |
| Pretax income | 2,005,000 | 4,620,000 | 6,524,000 | 8,410,000 |
| Income tax | 740,000 | 1,728,000 | 2,442,000 | 3,155,000 |
| Net income | 1,265,000 | 2,892,000 | 4,082,000 | 5,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,642,000 | 47,652,000 | 48,886,000 | 50,113,000 |
| Total capital | 48,605,000 | 50,572,000 | 51,720,000 | 54,531,000 |
| Risk-weighted assets | 467,478,000 | 503,257,000 | 507,178,000 | 524,985,000 |