Call reports 2009
RIDGEWOOD SAVINGS BANK — 2009
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 4,358,928,000 | 4,330,457,000 | 4,332,769,000 | 4,386,684,000 |
| Total loans | 2,832,393,000 | 2,806,215,000 | 2,759,386,000 | 2,723,818,000 |
| Allowance for loan losses | 6,619,000 | 6,747,000 | 7,518,000 | 10,212,000 |
| Securities available for sale | 982,580,000 | 1,086,627,000 | 1,147,097,000 | 1,275,312,000 |
| Securities held to maturity | 8,706,000 | 8,571,000 | 8,826,000 | 8,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,637,324,000 | 3,596,304,000 | 3,583,864,000 | 3,620,456,000 |
| Interest-bearing deposits | 3,426,412,000 | 3,390,506,000 | 3,383,953,000 | 3,407,026,000 |
| Noninterest-bearing deposits | 210,912,000 | 205,798,000 | 199,911,000 | 213,430,000 |
| Equity capital | 499,185,000 | 519,707,000 | 542,529,000 | 553,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 49,528,000 | 99,012,000 | 147,073,000 | 195,540,000 |
| Interest expense | 24,656,000 | 47,749,000 | 68,938,000 | 88,886,000 |
| Net interest income | 24,872,000 | 51,263,000 | 78,135,000 | 106,654,000 |
| Noninterest income | 2,499,000 | 4,811,000 | 7,917,000 | 10,285,000 |
| Noninterest expense | 23,892,000 | 51,236,000 | 76,105,000 | 100,721,000 |
| Provision for loan losses | 126,000 | 307,000 | 2,285,000 | 14,026,000 |
| Pretax income | 3,200,000 | 4,308,000 | 7,394,000 | 1,905,000 |
| Income tax | 803,000 | 1,046,000 | 1,047,000 | -2,820,000 |
| Net income | 2,397,000 | 3,262,000 | 6,347,000 | 4,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 500,171,000 | 513,950,000 | 528,375,000 | 527,124,000 |
| Total capital | 506,790,000 | 520,698,000 | 535,893,000 | 537,336,000 |
| Risk-weighted assets | 2,791,216,000 | 2,880,933,000 | 2,848,565,000 | 2,841,667,000 |
Machine access — free, no API key
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