Call reports 2008
RIDGEWOOD SAVINGS BANK — 2008
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 4,130,030,000 | 4,103,015,000 | 4,101,225,000 | 4,235,383,000 |
| Total loans | 2,675,529,000 | 2,723,350,000 | 2,816,187,000 | 2,828,065,000 |
| Allowance for loan losses | 6,296,000 | 6,296,000 | 6,301,000 | 6,610,000 |
| Securities available for sale | 866,016,000 | 913,551,000 | 872,705,000 | 897,856,000 |
| Securities held to maturity | 9,367,000 | 9,265,000 | 8,766,000 | 8,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,354,299,000 | 3,332,669,000 | 3,355,495,000 | 3,506,931,000 |
| Interest-bearing deposits | 3,146,894,000 | 3,124,698,000 | 3,157,889,000 | 3,297,322,000 |
| Noninterest-bearing deposits | 207,405,000 | 207,971,000 | 197,606,000 | 209,609,000 |
| Equity capital | 556,041,000 | 550,557,000 | 542,968,000 | 500,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 50,398,000 | 100,498,000 | 150,778,000 | 203,271,000 |
| Interest expense | 27,656,000 | 53,373,000 | 78,031,000 | 103,474,000 |
| Net interest income | 22,742,000 | 47,125,000 | 72,747,000 | 99,797,000 |
| Noninterest income | 2,757,000 | 5,090,000 | 7,694,000 | 10,027,000 |
| Noninterest expense | 20,521,000 | 42,126,000 | 63,714,000 | 87,657,000 |
| Provision for loan losses | 11,000 | 22,000 | 71,000 | 419,000 |
| Pretax income | 5,389,000 | 12,191,000 | 18,760,000 | 23,827,000 |
| Income tax | 1,669,000 | 3,754,000 | 4,708,000 | 5,930,000 |
| Net income | 3,720,000 | 8,437,000 | 14,052,000 | 17,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 481,781,000 | 484,543,000 | 483,264,000 | 508,017,000 |
| Total capital | 488,077,000 | 490,840,000 | 489,565,000 | 514,627,000 |
| Risk-weighted assets | 2,512,939,000 | 2,519,974,000 | 2,565,860,000 | 2,707,267,000 |
Machine access — free, no API key
Every figure shown here about RIDGEWOOD SAVINGS BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.