Call reports 2002
FIRST NATIONAL BANK OF CLIFTON, THE — 2002
What FIRST NATIONAL BANK OF CLIFTON, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,653,000 | 28,447,000 | 27,361,000 | 28,248,000 |
| Total loans | 13,742,000 | 13,591,000 | 13,997,000 | 13,472,000 |
| Allowance for loan losses | 184,000 | 190,000 | 199,000 | 209,000 |
| Securities available for sale | 5,287,000 | 4,805,000 | 4,303,000 | 6,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,764,000 | 25,477,000 | 24,472,000 | 25,319,000 |
| Interest-bearing deposits | 20,111,000 | 20,586,000 | 20,680,000 | 20,142,000 |
| Noninterest-bearing deposits | 3,653,000 | 4,891,000 | 3,791,000 | 5,177,000 |
| Equity capital | 2,769,000 | 2,778,000 | 2,694,000 | 2,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 750,000 | 1,117,000 | 1,469,000 |
| Interest expense | 154,000 | 305,000 | 438,000 | 554,000 |
| Net interest income | 226,000 | 445,000 | 679,000 | 915,000 |
| Noninterest income | 85,000 | 152,000 | 222,000 | 295,000 |
| Noninterest expense | 223,000 | 440,000 | 660,000 | 849,000 |
| Provision for loan losses | 3,000 | 12,000 | 21,000 | 30,000 |
| Pretax income | 85,000 | 145,000 | 220,000 | 331,000 |
| Income tax | 20,000 | 53,000 | 64,000 | 62,000 |
| Net income | 65,000 | 92,000 | 156,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,728,000 | 2,724,000 | 2,639,000 | 2,750,000 |
| Total capital | 2,912,000 | 2,914,000 | 2,834,000 | 2,939,000 |
| Risk-weighted assets | 14,930,000 | 15,356,000 | 15,586,000 | 15,067,000 |