Call reports 2013
CLIFTON SAVINGS BANK — 2013
What CLIFTON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,015,124,000 | 1,042,511,000 | 1,081,935,000 | 1,098,105,000 |
| Total loans | 459,312,000 | 494,844,000 | 557,400,000 | 580,438,000 |
| Allowance for loan losses | 2,500,000 | 2,640,000 | 2,950,000 | 3,050,000 |
| Securities available for sale | 15,399,000 | 4,456,000 | 4,181,000 | 3,764,000 |
| Securities held to maturity | 461,355,000 | 444,167,000 | 450,811,000 | 445,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 783,536,000 | 809,168,000 | 814,492,000 | 799,454,000 |
| Interest-bearing deposits | 750,463,000 | 775,953,000 | 775,308,000 | 757,222,000 |
| Noninterest-bearing deposits | 33,073,000 | 33,215,000 | 39,184,000 | 42,232,000 |
| Equity capital | 166,654,000 | 168,488,000 | 165,249,000 | 167,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,264,000 | 16,467,000 | 24,791,000 | 33,422,000 |
| Interest expense | 2,596,000 | 5,164,000 | 7,736,000 | 10,283,000 |
| Net interest income | 5,668,000 | 11,303,000 | 17,055,000 | 23,139,000 |
| Noninterest income | 333,000 | 663,000 | 999,000 | 1,393,000 |
| Noninterest expense | 3,572,000 | 7,130,000 | 10,611,000 | 14,190,000 |
| Provision for loan losses | 20,000 | 200,000 | 556,000 | 683,000 |
| Pretax income | 2,409,000 | 5,202,000 | 7,453,000 | 10,225,000 |
| Income tax | 831,000 | 1,816,000 | 2,586,000 | 3,531,000 |
| Net income | 1,578,000 | 3,386,000 | 4,867,000 | 6,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,486,000 | 168,632,000 | 165,325,000 | 167,645,000 |
| Total capital | 168,986,000 | 171,272,000 | 168,275,000 | 170,695,000 |
| Risk-weighted assets | 417,076,000 | 436,623,000 | 463,642,000 | 476,980,000 |
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