Call reports 2004
FIRST NATIONAL BANK OF CLIFTON, THE — 2004
What FIRST NATIONAL BANK OF CLIFTON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 27,968,000 | 29,360,000 | 26,792,000 |
| Total loans | 12,959,000 | 13,858,000 | 13,997,000 |
| Allowance for loan losses | 219,000 | 228,000 | 237,000 |
| Securities available for sale | 6,649,000 | 11,095,000 | 10,584,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 24,966,000 | 26,379,000 | 23,753,000 |
| Interest-bearing deposits | 19,734,000 | 20,210,000 | 19,320,000 |
| Noninterest-bearing deposits | 5,233,000 | 6,169,000 | 4,433,000 |
| Equity capital | 2,946,000 | 2,942,000 | 2,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 265,000 | 546,000 | 837,000 |
| Interest expense | 59,000 | 115,000 | 170,000 |
| Net interest income | 206,000 | 431,000 | 667,000 |
| Noninterest income | 61,000 | 121,000 | 230,000 |
| Noninterest expense | 188,000 | 350,000 | 553,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 |
| Pretax income | 70,000 | 184,000 | 317,000 |
| Income tax | 24,000 | 48,000 | 102,000 |
| Net income | 46,000 | 136,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 2,909,000 | 2,962,000 | 3,005,000 |
| Total capital | 3,082,000 | 3,156,000 | 3,201,000 |
| Risk-weighted assets | 13,794,000 | 15,482,000 | 15,656,000 |
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