Call reports 2023
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2023
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,577,469,000 | 1,626,308,000 | 1,717,684,000 | 1,632,636,000 |
| Total loans | 1,261,785,000 | 1,325,626,000 | 1,323,965,000 | 1,257,328,000 |
| Allowance for loan losses | 8,355,000 | 8,857,000 | 8,598,000 | 9,763,000 |
| Securities available for sale | 85,293,000 | 81,013,000 | 99,260,000 | 82,844,000 |
| Securities held to maturity | 75,595,000 | 76,355,000 | 124,668,000 | 122,614,000 |
| Trading assets | 6,090,000 | 7,097,000 | 8,167,000 | 6,178,000 |
| Total deposits | 1,316,878,000 | 1,384,994,000 | 1,418,771,000 | 1,329,145,000 |
| Interest-bearing deposits | 986,007,000 | 1,073,965,000 | 1,101,845,000 | 1,081,511,000 |
| Noninterest-bearing deposits | 330,871,000 | 311,029,000 | 316,926,000 | 247,634,000 |
| Equity capital | 143,656,000 | 147,701,000 | 151,855,000 | 160,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 20,318,000 | 43,234,000 | 68,299,000 | 93,374,000 |
| Interest expense | 5,162,000 | 12,271,000 | 21,292,000 | 31,069,000 |
| Net interest income | 15,156,000 | 30,963,000 | 47,007,000 | 62,305,000 |
| Noninterest income | 1,458,000 | 2,151,000 | 3,080,000 | 4,532,000 |
| Noninterest expense | 5,575,000 | 10,996,000 | 16,360,000 | 23,938,000 |
| Provision for loan losses | -112,000 | 572,000 | 392,000 | 1,819,000 |
| Pretax income | 11,475,000 | 21,680,000 | 33,175,000 | 40,775,000 |
| Income tax | 3,043,000 | 5,790,000 | 8,857,000 | 10,774,000 |
| Net income | 8,432,000 | 15,890,000 | 24,318,000 | 30,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,824,000 | 161,370,000 | 169,890,000 | 170,670,000 |
| Total capital | 163,056,000 | 171,223,000 | 179,670,000 | 181,916,000 |
| Risk-weighted assets | 1,403,762,000 | 1,480,596,000 | 1,499,570,000 | 1,437,864,000 |