Call reports 2009
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2009
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 614,359,000 | 639,038,000 | 663,113,000 | 666,180,000 |
| Total loans | 479,458,000 | 499,432,000 | 495,936,000 | 495,226,000 |
| Allowance for loan losses | 3,179,000 | 4,475,000 | 6,841,000 | 6,164,000 |
| Securities available for sale | 84,946,000 | 58,459,000 | 71,196,000 | 63,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 510,486,000 | 535,574,000 | 558,109,000 | 558,651,000 |
| Interest-bearing deposits | 476,069,000 | 498,082,000 | 515,224,000 | 521,205,000 |
| Noninterest-bearing deposits | 34,417,000 | 37,492,000 | 42,885,000 | 37,446,000 |
| Equity capital | 50,559,000 | 50,403,000 | 50,739,000 | 51,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,228,000 | 14,891,000 | 23,486,000 | 31,366,000 |
| Interest expense | 3,232,000 | 6,289,000 | 9,235,000 | 11,921,000 |
| Net interest income | 3,996,000 | 8,602,000 | 14,251,000 | 19,445,000 |
| Noninterest income | 362,000 | 556,000 | 899,000 | 1,160,000 |
| Noninterest expense | 2,712,000 | 5,662,000 | 8,307,000 | 10,919,000 |
| Provision for loan losses | 583,000 | 2,128,000 | 5,969,000 | 7,218,000 |
| Pretax income | 1,057,000 | 1,537,000 | 1,042,000 | 2,636,000 |
| Income tax | 394,000 | 562,000 | 365,000 | 963,000 |
| Net income | 663,000 | 975,000 | 677,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,808,000 | 51,144,000 | 50,872,000 | 51,903,000 |
| Total capital | 58,521,000 | 60,153,000 | 63,247,000 | 63,586,000 |
| Risk-weighted assets | 558,126,000 | 558,305,000 | 551,142,000 | 551,152,000 |