Call reports 2024
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2024
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,642,880,000 | 1,791,150,000 | 1,764,929,000 | 1,774,025,000 |
| Total loans | 1,295,232,000 | 1,379,298,000 | 1,402,894,000 | 1,405,824,000 |
| Allowance for loan losses | 10,758,000 | 11,029,000 | 9,738,000 | 10,327,000 |
| Securities available for sale | 137,008,000 | 133,226,000 | 90,436,000 | 114,378,000 |
| Securities held to maturity | 120,706,000 | 118,649,000 | 116,610,000 | 113,062,000 |
| Trading assets | 6,643,000 | 6,623,000 | 6,310,000 | 5,252,000 |
| Total deposits | 1,341,854,000 | 1,495,857,000 | 1,460,301,000 | 1,462,191,000 |
| Interest-bearing deposits | 1,090,448,000 | 1,204,656,000 | 1,220,447,000 | 1,215,842,000 |
| Noninterest-bearing deposits | 251,406,000 | 291,201,000 | 239,854,000 | 246,349,000 |
| Equity capital | 153,981,000 | 150,389,000 | 165,801,000 | 163,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 24,447,000 | 50,291,000 | 77,610,000 | 103,960,000 |
| Interest expense | 9,637,000 | 20,101,000 | 31,871,000 | 43,080,000 |
| Net interest income | 14,810,000 | 30,190,000 | 45,739,000 | 60,880,000 |
| Noninterest income | 1,314,000 | 2,456,000 | 3,340,000 | 4,331,000 |
| Noninterest expense | 5,782,000 | 11,451,000 | 17,021,000 | 22,900,000 |
| Provision for loan losses | 1,270,000 | 2,547,000 | 798,000 | 1,580,000 |
| Pretax income | 9,278,000 | 18,658,000 | 31,294,000 | 41,053,000 |
| Income tax | 2,389,000 | 4,933,000 | 8,227,000 | 10,783,000 |
| Net income | 6,889,000 | 13,725,000 | 23,067,000 | 30,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,444,000 | 164,378,000 | 173,822,000 | 176,144,000 |
| Total capital | 179,656,000 | 177,044,000 | 185,295,000 | 187,820,000 |
| Risk-weighted assets | 1,473,002,000 | 1,550,323,000 | 1,569,842,000 | 1,593,142,000 |