Call reports 2016
CLIFTON SAVINGS BANK — 2016
What CLIFTON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,243,334,000 | 1,280,069,000 | 1,306,762,000 | 1,366,456,000 |
| Total loans | 784,769,000 | 831,556,000 | 886,935,000 | 942,628,000 |
| Allowance for loan losses | 4,360,000 | 4,775,000 | 5,200,000 | 5,575,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 347,340,000 | 332,711,000 | 311,617,000 | 314,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 753,636,000 | 776,812,000 | 820,807,000 | 851,498,000 |
| Interest-bearing deposits | 676,724,000 | 700,448,000 | 749,071,000 | 779,659,000 |
| Noninterest-bearing deposits | 76,912,000 | 76,364,000 | 71,736,000 | 71,839,000 |
| Equity capital | 241,799,000 | 243,679,000 | 245,767,000 | 248,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,094,000 | 18,663,000 | 28,608,000 | 38,846,000 |
| Interest expense | 2,579,000 | 5,339,000 | 8,301,000 | 11,484,000 |
| Net interest income | 6,515,000 | 13,324,000 | 20,307,000 | 27,362,000 |
| Noninterest income | 430,000 | 870,000 | 1,374,000 | 1,848,000 |
| Noninterest expense | 4,987,000 | 10,311,000 | 15,502,000 | 20,782,000 |
| Provision for loan losses | 703,000 | 1,230,000 | 1,734,000 | 2,147,000 |
| Pretax income | 1,255,000 | 2,653,000 | 4,445,000 | 6,281,000 |
| Income tax | 375,000 | 798,000 | 1,326,000 | 1,930,000 |
| Net income | 880,000 | 1,855,000 | 3,119,000 | 4,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,703,000 | 243,728,000 | 245,815,000 | 248,292,000 |
| Total capital | 246,063,000 | 248,503,000 | 251,015,000 | 253,867,000 |
| Risk-weighted assets | 660,934,000 | 708,301,000 | 714,063,000 | 755,379,000 |