Call reports 2010
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2010
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 655,328,000 | 668,348,000 | 713,927,000 | 692,137,000 |
| Total loans | 472,955,000 | 481,347,000 | 495,219,000 | 494,186,000 |
| Allowance for loan losses | 5,326,000 | 7,268,000 | 5,597,000 | 5,386,000 |
| Securities available for sale | 64,944,000 | 64,918,000 | 61,315,000 | 91,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,386,000 | 545,090,000 | 585,905,000 | 567,665,000 |
| Interest-bearing deposits | 497,246,000 | 505,001,000 | 542,399,000 | 492,931,000 |
| Noninterest-bearing deposits | 42,140,000 | 40,089,000 | 43,506,000 | 74,734,000 |
| Equity capital | 65,570,000 | 68,803,000 | 70,121,000 | 74,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,220,000 | 14,549,000 | 21,822,000 | 29,512,000 |
| Interest expense | 2,400,000 | 4,635,000 | 6,779,000 | 8,888,000 |
| Net interest income | 4,820,000 | 9,914,000 | 15,043,000 | 20,624,000 |
| Noninterest income | 328,000 | 632,000 | 950,000 | -786,000 |
| Noninterest expense | 2,975,000 | 6,142,000 | 9,834,000 | 13,403,000 |
| Provision for loan losses | 2,396,000 | 5,652,000 | 5,844,000 | 6,429,000 |
| Pretax income | -161,000 | -1,185,000 | 1,048,000 | 741,000 |
| Income tax | -79,000 | -488,000 | 359,000 | 237,000 |
| Net income | -82,000 | -697,000 | 689,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,844,000 | 68,255,000 | 69,599,000 | 74,505,000 |
| Total capital | 71,278,000 | 79,143,000 | 82,509,000 | 80,453,000 |
| Risk-weighted assets | 531,738,000 | 550,588,000 | 573,656,000 | 572,344,000 |