Call reports 2021
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2021
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,335,939,000 | 1,318,787,000 | 1,334,012,000 | 1,355,480,000 |
| Total loans | 1,042,364,000 | 1,038,600,000 | 1,048,415,000 | 1,102,792,000 |
| Allowance for loan losses | 8,047,000 | 6,895,000 | 6,346,000 | 6,546,000 |
| Securities available for sale | 109,225,000 | 101,348,000 | 117,659,000 | 108,717,000 |
| Securities held to maturity | 31,322,000 | 31,007,000 | 30,433,000 | 29,916,000 |
| Trading assets | 3,573,000 | 3,862,000 | 3,698,000 | 2,653,000 |
| Total deposits | 1,121,737,000 | 1,101,145,000 | 1,112,521,000 | 1,132,536,000 |
| Interest-bearing deposits | 837,491,000 | 812,614,000 | 811,481,000 | 824,956,000 |
| Noninterest-bearing deposits | 284,246,000 | 288,531,000 | 301,040,000 | 307,580,000 |
| Equity capital | 121,181,000 | 125,398,000 | 128,763,000 | 131,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,910,000 | 17,814,000 | 26,777,000 | 35,911,000 |
| Interest expense | 1,349,000 | 2,472,000 | 3,406,000 | 4,248,000 |
| Net interest income | 7,561,000 | 15,342,000 | 23,371,000 | 31,663,000 |
| Noninterest income | 716,000 | 1,481,000 | 2,938,000 | 3,963,000 |
| Noninterest expense | 4,518,000 | 9,436,000 | 13,936,000 | 18,717,000 |
| Provision for loan losses | -653,000 | -1,830,000 | -2,382,000 | -2,126,000 |
| Pretax income | 5,165,000 | 10,202,000 | 15,372,000 | 19,506,000 |
| Income tax | 1,374,000 | 2,731,000 | 4,125,000 | 5,291,000 |
| Net income | 3,791,000 | 7,471,000 | 11,247,000 | 14,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,475,000 | 124,842,000 | 128,603,000 | 131,730,000 |
| Total capital | 129,750,000 | 132,082,000 | 135,693,000 | 139,059,000 |
| Risk-weighted assets | 1,099,722,000 | 1,101,228,000 | 1,150,552,000 | 1,217,222,000 |