Call reports 2003
FIRST NATIONAL BANK OF CLIFTON, THE — 2003
What FIRST NATIONAL BANK OF CLIFTON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,262,000 | 28,390,000 | 27,764,000 | 28,318,000 |
| Total loans | 12,978,000 | 13,411,000 | 13,883,000 | 13,052,000 |
| Allowance for loan losses | 208,000 | 211,000 | 203,000 | 212,000 |
| Securities available for sale | 5,652,000 | 5,135,000 | 5,088,000 | 7,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,337,000 | 25,442,000 | 24,844,000 | 25,339,000 |
| Interest-bearing deposits | 20,468,000 | 20,451,000 | 20,829,000 | 19,711,000 |
| Noninterest-bearing deposits | 3,869,000 | 4,990,000 | 4,015,000 | 5,628,000 |
| Equity capital | 2,812,000 | 2,848,000 | 2,845,000 | 2,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 632,000 | 927,000 | 1,215,000 |
| Interest expense | 102,000 | 199,000 | 266,000 | 330,000 |
| Net interest income | 225,000 | 433,000 | 661,000 | 885,000 |
| Noninterest income | 84,000 | 156,000 | 230,000 | 331,000 |
| Noninterest expense | 225,000 | 404,000 | 622,000 | 811,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 76,000 | 167,000 | 242,000 | 369,000 |
| Income tax | 24,000 | 48,000 | 72,000 | 85,000 |
| Net income | 52,000 | 119,000 | 170,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,768,000 | 2,803,000 | 2,824,000 | 2,905,000 |
| Total capital | 2,965,000 | 2,986,000 | 3,014,000 | 3,080,000 |
| Risk-weighted assets | 15,725,000 | 14,637,000 | 15,213,000 | 13,986,000 |