Call reports 2022
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2022
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,362,710,000 | 1,419,411,000 | 1,533,971,000 | 1,531,794,000 |
| Total loans | 1,105,955,000 | 1,129,712,000 | 1,185,212,000 | 1,225,027,000 |
| Allowance for loan losses | 7,026,000 | 7,154,000 | 7,920,000 | 8,458,000 |
| Securities available for sale | 96,872,000 | 89,746,000 | 81,994,000 | 84,217,000 |
| Securities held to maturity | 52,523,000 | 51,870,000 | 51,214,000 | 76,996,000 |
| Trading assets | 2,066,000 | 3,915,000 | 7,514,000 | 7,123,000 |
| Total deposits | 1,141,272,000 | 1,207,586,000 | 1,265,924,000 | 1,251,133,000 |
| Interest-bearing deposits | 823,650,000 | 846,778,000 | 935,145,000 | 935,686,000 |
| Noninterest-bearing deposits | 317,622,000 | 360,808,000 | 330,779,000 | 315,447,000 |
| Equity capital | 129,888,000 | 125,130,000 | 125,587,000 | 133,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,101,000 | 19,220,000 | 32,611,000 | 50,166,000 |
| Interest expense | 789,000 | 1,644,000 | 3,378,000 | 6,952,000 |
| Net interest income | 8,312,000 | 17,576,000 | 29,233,000 | 43,214,000 |
| Noninterest income | 891,000 | 1,891,000 | 2,674,000 | 3,910,000 |
| Noninterest expense | 4,618,000 | 9,277,000 | 14,180,000 | 19,253,000 |
| Provision for loan losses | 592,000 | 797,000 | 1,584,000 | 2,210,000 |
| Pretax income | 4,153,000 | 9,514,000 | 15,917,000 | 25,350,000 |
| Income tax | 1,118,000 | 2,578,000 | 4,269,000 | 6,740,000 |
| Net income | 3,035,000 | 6,936,000 | 11,648,000 | 18,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,645,000 | 133,620,000 | 138,457,000 | 145,514,000 |
| Total capital | 142,357,000 | 141,386,000 | 147,193,000 | 154,891,000 |
| Risk-weighted assets | 1,211,249,000 | 1,248,780,000 | 1,313,986,000 | 1,364,193,000 |