Call reports 2012
CLIFTON SAVINGS BANK — 2012
What CLIFTON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,090,510,000 | 1,055,076,000 | 1,030,966,000 | 1,018,818,000 |
| Total loans | 438,423,000 | 452,150,000 | 457,106,000 | 451,071,000 |
| Allowance for loan losses | 2,090,000 | 2,190,000 | 2,300,000 | 2,480,000 |
| Securities available for sale | 70,195,000 | 58,162,000 | 33,243,000 | 16,858,000 |
| Securities held to maturity | 493,649,000 | 439,894,000 | 453,510,000 | 456,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 841,699,000 | 810,906,000 | 799,707,000 | 790,207,000 |
| Interest-bearing deposits | 818,278,000 | 783,547,000 | 772,325,000 | 758,985,000 |
| Noninterest-bearing deposits | 23,421,000 | 27,359,000 | 27,382,000 | 31,222,000 |
| Equity capital | 159,598,000 | 161,577,000 | 163,248,000 | 165,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,889,000 | 19,455,000 | 28,395,000 | 36,993,000 |
| Interest expense | 3,831,000 | 7,332,000 | 10,460,000 | 13,326,000 |
| Net interest income | 6,058,000 | 12,123,000 | 17,935,000 | 23,667,000 |
| Noninterest income | 285,000 | 571,000 | 866,000 | 1,164,000 |
| Noninterest expense | 3,319,000 | 6,719,000 | 10,499,000 | 13,815,000 |
| Provision for loan losses | 111,000 | 211,000 | 403,000 | 853,000 |
| Pretax income | 2,913,000 | 5,764,000 | 8,545,000 | 10,810,000 |
| Income tax | 951,000 | 1,951,000 | 2,929,000 | 3,638,000 |
| Net income | 1,962,000 | 3,813,000 | 5,616,000 | 7,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,979,000 | 161,045,000 | 163,070,000 | 164,646,000 |
| Total capital | 161,069,000 | 163,235,000 | 165,370,000 | 167,126,000 |
| Risk-weighted assets | 420,401,000 | 420,466,000 | 414,889,000 | 412,736,000 |