Call reports 2013
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2013
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 757,377,000 | 774,796,000 | 790,794,000 | 807,886,000 |
| Total loans | 554,405,000 | 598,055,000 | 590,082,000 | 586,523,000 |
| Allowance for loan losses | 6,357,000 | 5,852,000 | 4,858,000 | 6,062,000 |
| Securities available for sale | 111,816,000 | 101,490,000 | 102,523,000 | 134,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,176,000 | 815,000 | 855,000 | 778,000 |
| Total deposits | 606,743,000 | 628,144,000 | 642,687,000 | 638,894,000 |
| Interest-bearing deposits | 550,447,000 | 570,379,000 | 575,612,000 | 552,776,000 |
| Noninterest-bearing deposits | 56,296,000 | 57,765,000 | 67,075,000 | 86,118,000 |
| Equity capital | 78,404,000 | 74,805,000 | 75,716,000 | 74,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,470,000 | 13,152,000 | 19,954,000 | 26,869,000 |
| Interest expense | 1,216,000 | 2,422,000 | 3,551,000 | 4,678,000 |
| Net interest income | 5,254,000 | 10,730,000 | 16,403,000 | 22,191,000 |
| Noninterest income | 332,000 | 393,000 | 584,000 | 953,000 |
| Noninterest expense | 3,284,000 | 6,645,000 | 10,148,000 | 13,436,000 |
| Provision for loan losses | 1,350,000 | 3,506,000 | 4,354,000 | 6,869,000 |
| Pretax income | 952,000 | 972,000 | 2,486,000 | 2,578,000 |
| Income tax | 358,000 | 348,000 | 931,000 | 949,000 |
| Net income | 594,000 | 624,000 | 1,555,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,792,000 | 78,732,000 | 79,597,000 | 79,878,000 |
| Total capital | 85,166,000 | 84,601,000 | 84,471,000 | 85,992,000 |
| Risk-weighted assets | 612,219,000 | 661,913,000 | 656,511,000 | 660,664,000 |