Call reports 2014
CLIFTON SAVINGS BANK — 2014
What CLIFTON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,265,089,000 | 1,174,377,000 | 1,160,500,000 | 1,147,666,000 |
| Total loans | 587,578,000 | 614,075,000 | 620,274,000 | 632,247,000 |
| Allowance for loan losses | 3,071,000 | 3,125,000 | 3,250,000 | 3,375,000 |
| Securities available for sale | 3,599,000 | 3,400,000 | 2,227,000 | 2,151,000 |
| Securities held to maturity | 417,776,000 | 426,953,000 | 418,540,000 | 410,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 943,967,000 | 782,474,000 | 789,931,000 | 776,081,000 |
| Interest-bearing deposits | 746,811,000 | 725,802,000 | 719,233,000 | 699,515,000 |
| Noninterest-bearing deposits | 197,156,000 | 56,672,000 | 70,698,000 | 76,566,000 |
| Equity capital | 169,758,000 | 245,302,000 | 239,209,000 | 242,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,681,000 | 17,380,000 | 26,197,000 | 35,094,000 |
| Interest expense | 2,395,000 | 4,839,000 | 7,294,000 | 9,676,000 |
| Net interest income | 6,286,000 | 12,541,000 | 18,903,000 | 25,418,000 |
| Noninterest income | 349,000 | 717,000 | 1,085,000 | 1,483,000 |
| Noninterest expense | 4,039,000 | 8,037,000 | 12,380,000 | 16,279,000 |
| Provision for loan losses | 113,000 | 251,000 | 552,000 | 730,000 |
| Pretax income | 2,483,000 | 4,970,000 | 7,158,000 | 9,994,000 |
| Income tax | 859,000 | 1,717,000 | 2,456,000 | 3,393,000 |
| Net income | 1,624,000 | 3,253,000 | 4,702,000 | 6,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,645,000 | 245,173,000 | 239,037,000 | 241,932,000 |
| Total capital | 172,716,000 | 248,298,000 | 242,287,000 | 245,307,000 |
| Risk-weighted assets | 484,255,000 | 512,632,000 | 499,926,000 | 517,863,000 |