Call reports 2017
CLIFTON SAVINGS BANK — 2017
What CLIFTON SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,427,037,000 | 1,520,571,000 | 1,550,080,000 | 1,665,586,000 |
| Total loans | 1,014,104,000 | 1,081,599,000 | 1,147,886,000 | 1,184,040,000 |
| Allowance for loan losses | 6,100,000 | 6,700,000 | 7,310,000 | 8,025,000 |
| Securities available for sale | 0 | 0 | 0 | 65,959,000 |
| Securities held to maturity | 310,530,000 | 299,528,000 | 295,335,000 | 269,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 885,231,000 | 927,653,000 | 945,696,000 | 964,985,000 |
| Interest-bearing deposits | 816,024,000 | 862,961,000 | 886,486,000 | 906,512,000 |
| Noninterest-bearing deposits | 69,207,000 | 64,692,000 | 59,210,000 | 58,473,000 |
| Equity capital | 251,130,000 | 253,340,000 | 248,615,000 | 250,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 10,765,000 | 22,201,000 | 34,434,000 | 47,196,000 |
| Interest expense | 3,336,000 | 7,024,000 | 11,141,000 | 15,851,000 |
| Net interest income | 7,429,000 | 15,177,000 | 23,293,000 | 31,345,000 |
| Noninterest income | 425,000 | 863,000 | 1,390,000 | 1,845,000 |
| Noninterest expense | 5,432,000 | 10,837,000 | 16,096,000 | 21,104,000 |
| Provision for loan losses | 541,000 | 1,131,000 | 1,741,000 | 2,441,000 |
| Pretax income | 1,881,000 | 4,072,000 | 7,439,000 | 10,238,000 |
| Income tax | 618,000 | 1,369,000 | 2,396,000 | 4,766,000 |
| Net income | 1,263,000 | 2,703,000 | 5,043,000 | 5,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,075,000 | 253,286,000 | 248,561,000 | 250,517,000 |
| Total capital | 257,175,000 | 259,986,000 | 255,871,000 | 258,542,000 |
| Risk-weighted assets | 818,962,000 | 884,254,000 | 908,268,000 | 1,003,071,000 |