Call reports 2011
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2011
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 662,870,000 | 726,189,000 | 740,188,000 | 731,046,000 |
| Total loans | 489,028,000 | 500,487,000 | 510,552,000 | 543,037,000 |
| Allowance for loan losses | 7,937,000 | 6,537,000 | 6,513,000 | 6,712,000 |
| Securities available for sale | 99,151,000 | 106,776,000 | 47,122,000 | 58,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,981,000 | 575,351,000 | 590,138,000 | 580,031,000 |
| Interest-bearing deposits | 499,256,000 | 532,057,000 | 541,946,000 | 533,441,000 |
| Noninterest-bearing deposits | 40,725,000 | 43,294,000 | 48,192,000 | 46,590,000 |
| Equity capital | 73,143,000 | 73,918,000 | 73,379,000 | 73,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,878,000 | 13,670,000 | 21,085,000 | 28,107,000 |
| Interest expense | 1,865,000 | 3,690,000 | 5,501,000 | 7,188,000 |
| Net interest income | 5,013,000 | 9,980,000 | 15,584,000 | 20,919,000 |
| Noninterest income | 299,000 | -43,000 | 759,000 | 1,739,000 |
| Noninterest expense | 2,610,000 | 5,439,000 | 8,430,000 | 11,413,000 |
| Provision for loan losses | 4,457,000 | 6,269,000 | 10,576,000 | 12,960,000 |
| Pretax income | -1,755,000 | -1,741,000 | -2,612,000 | -1,645,000 |
| Income tax | -686,000 | -695,000 | -1,053,000 | -681,000 |
| Net income | -1,069,000 | -1,046,000 | -1,559,000 | -964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,452,000 | 73,547,000 | 73,065,000 | 73,235,000 |
| Total capital | 80,413,000 | 80,102,000 | 79,605,000 | 79,963,000 |
| Risk-weighted assets | 555,845,000 | 583,216,000 | 578,586,000 | 615,227,000 |