Call reports 2025
CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2025
What CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,832,095,000 | 1,948,490,000 | 2,018,555,000 | 2,076,351,000 |
| Total loans | 1,444,552,000 | 1,551,224,000 | 1,579,196,000 | 1,603,874,000 |
| Allowance for loan losses | 12,042,000 | 12,483,000 | 12,101,000 | 12,818,000 |
| Securities available for sale | 116,681,000 | 150,934,000 | 136,143,000 | 208,156,000 |
| Securities held to maturity | 111,056,000 | 108,132,000 | 105,560,000 | 100,176,000 |
| Trading assets | 5,785,000 | 6,182,000 | 6,066,000 | 5,376,000 |
| Total deposits | 1,502,775,000 | 1,617,139,000 | 1,681,955,000 | 1,731,879,000 |
| Interest-bearing deposits | 1,248,034,000 | 1,337,444,000 | 1,393,737,000 | 1,438,685,000 |
| Noninterest-bearing deposits | 254,741,000 | 279,695,000 | 288,218,000 | 293,194,000 |
| Equity capital | 167,244,000 | 176,308,000 | 187,577,000 | 196,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 25,848,000 | 52,886,000 | 81,709,000 | 108,856,000 |
| Interest expense | 10,382,000 | 20,976,000 | 32,731,000 | 43,818,000 |
| Net interest income | 15,466,000 | 31,910,000 | 48,978,000 | 65,038,000 |
| Noninterest income | 1,383,000 | 2,568,000 | 4,028,000 | 5,514,000 |
| Noninterest expense | 5,797,000 | 11,617,000 | 17,268,000 | 23,044,000 |
| Provision for loan losses | 1,876,000 | 2,343,000 | 2,096,000 | 3,476,000 |
| Pretax income | 9,067,000 | 20,618,000 | 33,776,000 | 44,231,000 |
| Income tax | 2,284,000 | 5,306,000 | 8,752,000 | 11,399,000 |
| Net income | 6,783,000 | 15,312,000 | 25,024,000 | 32,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,097,000 | 186,735,000 | 196,517,000 | 204,432,000 |
| Total capital | 191,882,000 | 200,752,000 | 210,168,000 | 218,761,000 |
| Risk-weighted assets | 1,645,809,000 | 1,724,151,000 | 1,741,178,000 | 1,777,197,000 |