Call reports 2014
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2014
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 808,663,000 | 807,423,000 | 806,403,000 | 813,880,000 |
| Total loans | 600,716,000 | 615,421,000 | 603,428,000 | 607,782,000 |
| Allowance for loan losses | 5,529,000 | 6,237,000 | 4,485,000 | 3,290,000 |
| Securities available for sale | 117,438,000 | 103,107,000 | 102,114,000 | 101,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 712,000 | 770,000 | 592,000 | 571,000 |
| Total deposits | 659,514,000 | 682,101,000 | 680,935,000 | 687,175,000 |
| Interest-bearing deposits | 599,120,000 | 612,523,000 | 604,838,000 | 604,530,000 |
| Noninterest-bearing deposits | 60,394,000 | 69,578,000 | 76,097,000 | 82,645,000 |
| Equity capital | 77,140,000 | 79,076,000 | 81,221,000 | 82,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,020,000 | 14,333,000 | 21,503,000 | 28,533,000 |
| Interest expense | 1,109,000 | 2,202,000 | 3,250,000 | 4,292,000 |
| Net interest income | 5,911,000 | 12,131,000 | 18,253,000 | 24,241,000 |
| Noninterest income | 384,000 | 705,000 | 1,273,000 | 1,789,000 |
| Noninterest expense | 3,611,000 | 7,237,000 | 10,693,000 | 14,104,000 |
| Provision for loan losses | 102,000 | 2,040,000 | 1,915,000 | 2,558,000 |
| Pretax income | 2,587,000 | 3,577,000 | 6,951,000 | 9,410,000 |
| Income tax | 1,019,000 | 1,396,000 | 2,718,000 | 3,664,000 |
| Net income | 1,568,000 | 2,181,000 | 4,233,000 | 5,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,492,000 | 82,138,000 | 84,222,000 | 83,788,000 |
| Total capital | 87,061,000 | 88,448,000 | 88,771,000 | 87,138,000 |
| Risk-weighted assets | 673,171,000 | 685,654,000 | 672,300,000 | 674,816,000 |