Call reports 2012
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2012
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 742,871,000 | 757,284,000 | 758,816,000 | 771,560,000 |
| Total loans | 554,173,000 | 566,262,000 | 556,826,000 | 525,033,000 |
| Allowance for loan losses | 7,040,000 | 5,921,000 | 7,986,000 | 6,332,000 |
| Securities available for sale | 118,796,000 | 51,650,000 | 44,660,000 | 99,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 820,000 | 1,153,000 | 1,380,000 | 1,273,000 |
| Total deposits | 591,279,000 | 607,458,000 | 609,422,000 | 620,629,000 |
| Interest-bearing deposits | 543,349,000 | 552,633,000 | 548,447,000 | 560,243,000 |
| Noninterest-bearing deposits | 47,930,000 | 54,825,000 | 60,975,000 | 60,386,000 |
| Equity capital | 74,450,000 | 76,286,000 | 76,753,000 | 78,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,201,000 | 14,219,000 | 20,892,000 | 27,646,000 |
| Interest expense | 1,556,000 | 3,028,000 | 4,408,000 | 5,721,000 |
| Net interest income | 5,645,000 | 11,191,000 | 16,484,000 | 21,925,000 |
| Noninterest income | 590,000 | 788,000 | 1,264,000 | 1,331,000 |
| Noninterest expense | 3,409,000 | 6,517,000 | 9,742,000 | 12,837,000 |
| Provision for loan losses | 774,000 | 1,237,000 | 3,373,000 | 3,528,000 |
| Pretax income | 2,048,000 | 4,329,000 | 4,787,000 | 7,112,000 |
| Income tax | 805,000 | 1,692,000 | 1,861,000 | 2,762,000 |
| Net income | 1,243,000 | 2,637,000 | 2,926,000 | 4,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,678,000 | 76,030,000 | 76,505,000 | 77,962,000 |
| Total capital | 81,718,000 | 81,970,000 | 84,143,000 | 84,310,000 |
| Risk-weighted assets | 630,545,000 | 644,301,000 | 610,835,000 | 580,909,000 |