Call reports 2020
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2020
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,231,350,000 | 1,307,863,000 | 1,287,320,000 | 1,298,458,000 |
| Total loans | 952,647,000 | 1,020,074,000 | 1,007,427,000 | 1,047,290,000 |
| Allowance for loan losses | 5,376,000 | 8,240,000 | 8,693,000 | 8,928,000 |
| Securities available for sale | 150,208,000 | 142,554,000 | 121,663,000 | 129,299,000 |
| Securities held to maturity | 7,744,000 | 3,231,000 | 3,219,000 | 3,197,000 |
| Trading assets | 6,738,000 | 7,379,000 | 6,699,000 | 6,044,000 |
| Total deposits | 1,024,150,000 | 1,094,516,000 | 1,073,587,000 | 1,082,100,000 |
| Interest-bearing deposits | 825,953,000 | 859,901,000 | 832,110,000 | 828,582,000 |
| Noninterest-bearing deposits | 198,197,000 | 234,615,000 | 241,477,000 | 253,518,000 |
| Equity capital | 114,527,000 | 115,189,000 | 116,905,000 | 119,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,794,000 | 20,981,000 | 30,163,000 | 39,259,000 |
| Interest expense | 2,470,000 | 4,511,000 | 6,207,000 | 7,732,000 |
| Net interest income | 8,324,000 | 16,470,000 | 23,956,000 | 31,527,000 |
| Noninterest income | 1,102,000 | 1,510,000 | 1,930,000 | 2,561,000 |
| Noninterest expense | 4,082,000 | 9,312,000 | 13,764,000 | 17,935,000 |
| Provision for loan losses | 969,000 | 3,958,000 | 4,610,000 | 4,947,000 |
| Pretax income | 4,402,000 | 4,747,000 | 7,549,000 | 11,239,000 |
| Income tax | 1,174,000 | 1,295,000 | 2,072,000 | 2,968,000 |
| Net income | 3,228,000 | 3,452,000 | 5,477,000 | 8,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,790,000 | 112,982,000 | 115,266,000 | 118,085,000 |
| Total capital | 117,442,000 | 121,547,000 | 124,592,000 | 127,621,000 |
| Risk-weighted assets | 1,027,027,000 | 1,065,100,000 | 1,053,098,000 | 1,115,935,000 |