Call reports 2019
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2019
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,122,913,000 | 1,153,070,000 | 1,171,070,000 | 1,179,149,000 |
| Total loans | 889,792,000 | 930,327,000 | 948,832,000 | 957,355,000 |
| Allowance for loan losses | 4,734,000 | 4,787,000 | 5,053,000 | 4,980,000 |
| Securities available for sale | 94,396,000 | 96,729,000 | 94,254,000 | 91,661,000 |
| Securities held to maturity | 51,216,000 | 57,205,000 | 47,210,000 | 36,292,000 |
| Trading assets | 550,000 | 1,137,000 | 2,428,000 | 1,655,000 |
| Total deposits | 983,251,000 | 1,009,221,000 | 1,019,634,000 | 1,024,584,000 |
| Interest-bearing deposits | 816,976,000 | 766,262,000 | 804,835,000 | 812,527,000 |
| Noninterest-bearing deposits | 166,275,000 | 242,959,000 | 214,799,000 | 212,057,000 |
| Equity capital | 105,485,000 | 110,364,000 | 115,808,000 | 119,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,590,000 | 23,480,000 | 36,080,000 | 47,885,000 |
| Interest expense | 2,545,000 | 5,262,000 | 8,076,000 | 10,728,000 |
| Net interest income | 9,045,000 | 18,218,000 | 28,004,000 | 37,157,000 |
| Noninterest income | 600,000 | 1,110,000 | 2,374,000 | 2,669,000 |
| Noninterest expense | 4,009,000 | 8,160,000 | 12,227,000 | 16,468,000 |
| Provision for loan losses | 272,000 | 346,000 | 746,000 | 607,000 |
| Pretax income | 5,381,000 | 10,878,000 | 17,490,000 | 22,830,000 |
| Income tax | 1,370,000 | 2,827,000 | 4,549,000 | 5,946,000 |
| Net income | 4,011,000 | 8,051,000 | 12,941,000 | 16,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,439,000 | 110,504,000 | 115,411,000 | 119,374,000 |
| Total capital | 111,194,000 | 115,318,000 | 120,484,000 | 124,373,000 |
| Risk-weighted assets | 980,613,000 | 1,010,982,000 | 1,025,903,000 | 1,024,884,000 |