Call reports 2015
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2015
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 809,521,000 | 859,369,000 | 900,096,000 | 932,945,000 |
| Total loans | 601,107,000 | 659,518,000 | 647,089,000 | 679,367,000 |
| Allowance for loan losses | 4,218,000 | 4,719,000 | 3,795,000 | 3,848,000 |
| Securities available for sale | 104,737,000 | 134,991,000 | 138,179,000 | 159,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 48,396,000 |
| Trading assets | 774,000 | 922,000 | 1,448,000 | 990,000 |
| Total deposits | 679,186,000 | 715,776,000 | 729,552,000 | 731,456,000 |
| Interest-bearing deposits | 588,318,000 | 612,310,000 | 614,795,000 | 629,480,000 |
| Noninterest-bearing deposits | 90,868,000 | 103,466,000 | 114,757,000 | 101,976,000 |
| Equity capital | 84,658,000 | 83,861,000 | 82,617,000 | 83,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,800,000 | 13,813,000 | 21,277,000 | 28,577,000 |
| Interest expense | 945,000 | 1,926,000 | 3,100,000 | 4,314,000 |
| Net interest income | 5,855,000 | 11,887,000 | 18,177,000 | 24,263,000 |
| Noninterest income | 605,000 | 1,477,000 | 2,378,000 | 3,075,000 |
| Noninterest expense | 3,526,000 | 7,049,000 | 10,555,000 | 14,111,000 |
| Provision for loan losses | 1,124,000 | 1,741,000 | 2,018,000 | 2,421,000 |
| Pretax income | 1,830,000 | 4,594,000 | 8,016,000 | 10,840,000 |
| Income tax | 696,000 | 1,767,000 | 3,080,000 | 4,172,000 |
| Net income | 1,134,000 | 2,827,000 | 4,936,000 | 6,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,951,000 | 86,680,000 | 83,818,000 | 85,521,000 |
| Total capital | 89,268,000 | 91,489,000 | 87,702,000 | 89,476,000 |
| Risk-weighted assets | 680,544,000 | 732,766,000 | 721,624,000 | 753,137,000 |