Call reports 2018
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2018
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 994,796,000 | 1,029,443,000 | 1,051,687,000 | 1,059,935,000 |
| Total loans | 778,494,000 | 799,522,000 | 836,178,000 | 840,743,000 |
| Allowance for loan losses | 4,459,000 | 4,572,000 | 4,585,000 | 4,614,000 |
| Securities available for sale | 101,164,000 | 107,816,000 | 103,868,000 | 102,642,000 |
| Securities held to maturity | 51,267,000 | 51,256,000 | 61,239,000 | 61,231,000 |
| Trading assets | 1,144,000 | 1,517,000 | 1,570,000 | 721,000 |
| Total deposits | 828,906,000 | 881,539,000 | 892,557,000 | 910,791,000 |
| Interest-bearing deposits | 693,754,000 | 728,552,000 | 707,029,000 | 753,079,000 |
| Noninterest-bearing deposits | 135,152,000 | 152,987,000 | 185,528,000 | 157,712,000 |
| Equity capital | 91,458,000 | 94,367,000 | 95,323,000 | 100,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,021,000 | 18,766,000 | 29,234,000 | 39,953,000 |
| Interest expense | 1,510,000 | 3,522,000 | 5,832,000 | 8,286,000 |
| Net interest income | 7,511,000 | 15,244,000 | 23,402,000 | 31,667,000 |
| Noninterest income | 266,000 | 749,000 | 1,128,000 | 1,453,000 |
| Noninterest expense | 3,895,000 | 7,815,000 | 11,928,000 | 15,855,000 |
| Provision for loan losses | 275,000 | 148,000 | 299,000 | 451,000 |
| Pretax income | 3,516,000 | 7,929,000 | 12,193,000 | 16,716,000 |
| Income tax | 888,000 | 2,032,000 | 3,149,000 | 4,252,000 |
| Net income | 2,628,000 | 5,897,000 | 9,044,000 | 12,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,976,000 | 97,278,000 | 98,955,000 | 102,404,000 |
| Total capital | 98,464,000 | 101,877,000 | 103,566,000 | 107,041,000 |
| Risk-weighted assets | 865,337,000 | 890,436,000 | 919,519,000 | 925,416,000 |