Crystal Lake Bank and Trust Company, National Association in Crystal Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Crystal Lake Bank and Trust Company, National Association - Overview

  • General
  • FDIC Certificate #: 34681
    Status: Active
    Federal Reserve ID: 2624400
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: December 19, 1997
    WWW: http://www.crystallakebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 61192
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 19, 1997
    Last Structure Change Effective Date: July 26, 2008
    Last Structure Change Process Date: August 11, 2008
    Last Data Update: August 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 70 North Williams Street, Crystal Lake, IL 60014
    County: Mchenry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $731.0 mil
    Equity capital: $73.5 mil
    Deposits held in domestic offices: $580.0 mil
    Return on assets (ROA): -0.14% (-$1.0 mil)
    Quarterly return on assets: 0.32% ($2.3 mil)
    Return on Equity (ROE): -1.31% (-$1.0 mil)
    Quarterly return on equity: 3.24% ($2.4 mil)
    Net income: -$1.0 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: -0.23% (-$1,681.4 mil)
    Quarterly Pretax return on assets: 0.53% ($3,874.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 76Total employees (full-time equivalent)
  • $731,046Total assets
  • $29,652Cash and due from depository institutions
  • $24,912Interest-bearing balances
  • $58,996Securities
  • $226Federal funds sold & reverse repurchase agreements
  • $536,325Net loans & leases
  • $6,712Loan loss allowance
  • $0Trading account assets
  • $22,791Bank premises and fixed assets
  • $3,268Other real estate owned
  • $0Goodwill and other intangibles
  • $731,046Life insurance assets
  • $79,788All other assets
  • $657,553Total liabilities and capital
  • $580,031Total liabilities
  • $533,441Total deposits
  • $580,031Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 31573.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $42,000Trading liabilities
  • $0Other borrowed funds
  • $3,949Subordinated debt
  • $73,493All other liabilities
  • $73,493Total equity capital
  • $73,493Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $63,077Surplus
  • $7,916Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,044Income earned, not collected on loans
  • $0Earning assets
  • $2,375Long-term assets (5+ years)
  • $620,459Average Assets, year-to-date
  • $49,286Average Assets, quarterly
  • $710,486Volatile liabilities
  • $735,617Insider loans
  • $615,227FHLB advances
  • $753,929Loans and leases held for sale
  • $2,675Unused loan commitments
  • $1,026Tier 1 (core) risk-based capital
  • $73,235Tier 2 risk-based capital
  • $845Total risk weighted assets
  • $804Total unused commitments
  • $69,415Restructured Loans and leases
  • $17,782Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,107Total interest income
  • $7,188Total interest expense
  • $20,919Net interest income
  • $12,960Provision for loan and lease losses
  • $1,739Total noninterest income
  • $0Fiduciary activities
  • $544Service charges on deposit accounts
  • $526Trading account gains & fees
  • $669Additional noninterest income
  • $11,413Total noninterest expense
  • $5,969Salaries and employee benefits
  • $1,349Premises and equipment expense
  • $4,095Additional noninterest expense
  • -$1,715Pre-tax net operating income
  • $70Securities gains (losses)
  • -$681Applicable income taxes
  • -$964Income before extraordinary items
  • $0Extraordinary gains - net
  • -$964Net income attributable to bank
  • $0Net charge-offs
  • -$964Cash dividends
  • $11,634Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.79%Noninterest expense to earning assets
  • -0.14%Net operating income to assets
  • -0.14%Return on assets (ROA)
  • -0.23%Pretax return on assets
  • -1.31%Return on equity (ROE)
  • -1.31%Retained earnings to average equity (YTD only)
  • 2.29%Net charge-offs to loans
  • 111.40%Credit loss provision to net charge-offs
  • 0.97%Efficiency ratio
  • 50,371Assets per employee
  • 9.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 83.44%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 92.46%Net loans and leases to core deposits
  • 127.52%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 9.71%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $710,486Average earning assets
  • $73,625Average equity
  • $637,041Average loans

List of branches

  • 8 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061192Crystal Lake Bank And Trust Company, National Association70 North Williams Street, Crystal Lake, IL 60014December 19, 1997Full Service Brick and Mortar
    1290778Crystal Lake Branch27 North Main Street, Crystal Lake, IL 60014March 25, 1999Limited Service Facility
    2357465Crystal Lake Branch - Mchenry1000 Mchenry Avenu, Crystal Lake, IL 60014September 08, 1999Limited Service Facility
    3359605Mchenry Bank And Trust Branch2205 N. Richmond Road, Mchenry, IL 60050Febuary 20, 2001Full Service Brick and Mortar
    4366190Cary Branch60 East Main Street, Cary, IL 60013January 15, 2003Full Service Brick and Mortar
    5453537Algonquin Bank Branch4049 W. Algonquin Rd, Algonquin, IL 60102May 24, 2006Full Service Brick and Mortar
    6442927Mchenry Branch2730 W. Route 120, Mchenry, IL 60051December 07, 2004Full Service Brick and Mortar
    7527085Crystal Lake Branch5100 Northwest Hwy, Crystal Lake, IL 60014November 07, 2011Full Service Retail

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