Call reports 2015
CLIFTON SAVINGS BANK — 2015
What CLIFTON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,134,666,000 | 1,135,205,000 | 1,141,797,000 | 1,157,507,000 |
| Total loans | 644,628,000 | 658,430,000 | 681,016,000 | 704,179,000 |
| Allowance for loan losses | 3,475,000 | 3,525,000 | 3,625,000 | 3,750,000 |
| Securities available for sale | 1,972,000 | 0 | 0 | 0 |
| Securities held to maturity | 381,835,000 | 383,969,000 | 368,606,000 | 346,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 762,931,000 | 761,791,000 | 756,293,000 | 748,084,000 |
| Interest-bearing deposits | 686,579,000 | 671,342,000 | 664,679,000 | 657,433,000 |
| Noninterest-bearing deposits | 76,352,000 | 90,449,000 | 91,614,000 | 90,651,000 |
| Equity capital | 245,954,000 | 247,957,000 | 243,115,000 | 245,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,463,000 | 17,090,000 | 25,768,000 | 34,474,000 |
| Interest expense | 2,281,000 | 4,537,000 | 6,864,000 | 9,285,000 |
| Net interest income | 6,182,000 | 12,553,000 | 18,904,000 | 25,189,000 |
| Noninterest income | 1,216,000 | 1,664,000 | 2,138,000 | 2,608,000 |
| Noninterest expense | 4,236,000 | 8,556,000 | 12,944,000 | 17,657,000 |
| Provision for loan losses | 100,000 | 173,000 | 273,000 | 462,000 |
| Pretax income | 4,966,000 | 7,464,000 | 9,801,000 | 11,654,000 |
| Income tax | 1,497,000 | 2,343,000 | 3,123,000 | 3,667,000 |
| Net income | 3,469,000 | 5,121,000 | 6,678,000 | 7,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 246,505,000 | 248,548,000 | 243,693,000 | 246,328,000 |
| Total capital | 249,980,000 | 252,073,000 | 247,318,000 | 250,078,000 |
| Risk-weighted assets | 543,851,000 | 547,195,000 | 553,163,000 | 567,062,000 |