Call reports 2016
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2016
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 938,917,000 | 987,477,000 | 946,331,000 | 918,010,000 |
| Total loans | 682,214,000 | 730,488,000 | 721,030,000 | 716,398,000 |
| Allowance for loan losses | 3,819,000 | 3,773,000 | 3,939,000 | 4,183,000 |
| Securities available for sale | 57,433,000 | 47,703,000 | 110,512,000 | 108,098,000 |
| Securities held to maturity | 42,143,000 | 66,552,000 | 59,086,000 | 39,950,000 |
| Trading assets | 2,121,000 | 2,761,000 | 2,435,000 | 896,000 |
| Total deposits | 760,154,000 | 790,598,000 | 773,227,000 | 787,848,000 |
| Interest-bearing deposits | 646,278,000 | 662,726,000 | 658,283,000 | 668,027,000 |
| Noninterest-bearing deposits | 113,876,000 | 127,872,000 | 114,944,000 | 119,821,000 |
| Equity capital | 83,168,000 | 87,512,000 | 89,513,000 | 87,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,754,000 | 15,289,000 | 22,757,000 | 31,081,000 |
| Interest expense | 1,224,000 | 2,480,000 | 3,771,000 | 4,998,000 |
| Net interest income | 6,530,000 | 12,809,000 | 18,986,000 | 26,083,000 |
| Noninterest income | 963,000 | 1,709,000 | 2,378,000 | 3,111,000 |
| Noninterest expense | 3,646,000 | 7,263,000 | 11,044,000 | 14,846,000 |
| Provision for loan losses | 293,000 | 870,000 | 1,371,000 | 1,885,000 |
| Pretax income | 3,814,000 | 6,754,000 | 9,497,000 | 13,131,000 |
| Income tax | 1,472,000 | 2,592,000 | 3,632,000 | 5,036,000 |
| Net income | 2,342,000 | 4,162,000 | 5,865,000 | 8,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,889,000 | 87,734,000 | 89,428,000 | 89,700,000 |
| Total capital | 87,787,000 | 91,629,000 | 93,388,000 | 93,905,000 |
| Risk-weighted assets | 761,744,000 | 818,240,000 | 807,291,000 | 798,287,000 |