Call reports 2001
FIRST NATIONAL BANK OF CLIFTON, THE — 2001
What FIRST NATIONAL BANK OF CLIFTON, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 25,689,000 | 26,736,000 | 25,625,000 | 28,232,000 |
| Total loans | 16,308,000 | 15,864,000 | 15,780,000 | 15,286,000 |
| Allowance for loan losses | 248,000 | 249,000 | 250,000 | 245,000 |
| Securities available for sale | 5,274,000 | 5,302,000 | 4,840,000 | 5,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,779,000 | 23,866,000 | 22,669,000 | 25,313,000 |
| Interest-bearing deposits | 19,348,000 | 19,501,000 | 18,808,000 | 19,990,000 |
| Noninterest-bearing deposits | 3,431,000 | 4,365,000 | 3,861,000 | 5,323,000 |
| Equity capital | 2,641,000 | 2,675,000 | 2,714,000 | 2,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 923,000 | 1,374,000 | 1,785,000 |
| Interest expense | 211,000 | 408,000 | 598,000 | 773,000 |
| Net interest income | 248,000 | 515,000 | 776,000 | 1,012,000 |
| Noninterest income | 79,000 | 133,000 | 189,000 | 271,000 |
| Noninterest expense | 198,000 | 415,000 | 613,000 | 824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 233,000 | 352,000 | 459,000 |
| Income tax | 42,000 | 84,000 | 126,000 | 126,000 |
| Net income | 87,000 | 149,000 | 226,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,579,000 | 2,609,000 | 2,623,000 | 2,695,000 |
| Total capital | 2,782,000 | 2,810,000 | 2,826,000 | 2,899,000 |
| Risk-weighted assets | 16,181,000 | 16,009,000 | 16,195,000 | 16,261,000 |