Call reports 2017
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2017
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 932,791,000 | 959,454,000 | 961,838,000 | 964,987,000 |
| Total loans | 727,012,000 | 740,787,000 | 750,222,000 | 761,062,000 |
| Allowance for loan losses | 4,150,000 | 4,146,000 | 4,257,000 | 4,235,000 |
| Securities available for sale | 106,198,000 | 106,322,000 | 103,875,000 | 109,687,000 |
| Securities held to maturity | 49,946,000 | 44,915,000 | 45,549,000 | 45,538,000 |
| Trading assets | 763,000 | 767,000 | 706,000 | 576,000 |
| Total deposits | 793,705,000 | 817,709,000 | 817,718,000 | 817,748,000 |
| Interest-bearing deposits | 680,637,000 | 699,617,000 | 700,186,000 | 685,748,000 |
| Noninterest-bearing deposits | 113,068,000 | 118,092,000 | 117,532,000 | 132,000,000 |
| Equity capital | 86,631,000 | 89,740,000 | 92,009,000 | 90,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,614,000 | 16,024,000 | 24,734,000 | 33,377,000 |
| Interest expense | 1,024,000 | 2,293,000 | 3,726,000 | 5,165,000 |
| Net interest income | 6,590,000 | 13,731,000 | 21,008,000 | 28,212,000 |
| Noninterest income | 195,000 | 598,000 | 692,000 | 1,165,000 |
| Noninterest expense | 3,642,000 | 7,540,000 | 11,123,000 | 14,998,000 |
| Provision for loan losses | 101,000 | 160,000 | 343,000 | 382,000 |
| Pretax income | 3,042,000 | 6,632,000 | 10,239,000 | 14,002,000 |
| Income tax | 1,143,000 | 2,527,000 | 3,912,000 | 5,553,000 |
| Net income | 1,899,000 | 4,105,000 | 6,327,000 | 8,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,576,000 | 90,871,000 | 93,117,000 | 91,273,000 |
| Total capital | 92,750,000 | 95,041,000 | 97,398,000 | 95,532,000 |
| Risk-weighted assets | 801,909,000 | 818,040,000 | 823,697,000 | 846,636,000 |