Call reports 2010
RIDGEWOOD SAVINGS BANK — 2010
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 4,443,035,000 | 4,566,288,000 | 4,572,010,000 | 4,561,039,000 |
| Total loans | 2,678,093,000 | 2,654,004,000 | 2,584,389,000 | 2,514,877,000 |
| Allowance for loan losses | 10,990,000 | 13,077,000 | 12,469,000 | 13,678,000 |
| Securities available for sale | 1,365,080,000 | 1,471,804,000 | 1,623,976,000 | 1,690,001,000 |
| Securities held to maturity | 8,900,000 | 8,998,000 | 8,778,000 | 6,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,654,642,000 | 3,766,106,000 | 3,767,617,000 | 3,784,962,000 |
| Interest-bearing deposits | 3,440,093,000 | 3,550,415,000 | 3,562,796,000 | 3,557,828,000 |
| Noninterest-bearing deposits | 214,549,000 | 215,691,000 | 204,821,000 | 227,134,000 |
| Equity capital | 567,530,000 | 572,168,000 | 587,432,000 | 586,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 46,849,000 | 94,722,000 | 141,992,000 | 188,477,000 |
| Interest expense | 17,654,000 | 34,554,000 | 50,767,000 | 66,611,000 |
| Net interest income | 29,195,000 | 60,168,000 | 91,225,000 | 121,866,000 |
| Noninterest income | 2,257,000 | 4,715,000 | 7,443,000 | 9,429,000 |
| Noninterest expense | 24,465,000 | 49,688,000 | 74,312,000 | 100,473,000 |
| Provision for loan losses | 1,888,000 | 3,428,000 | 5,038,000 | 9,457,000 |
| Pretax income | 6,046,000 | 14,422,000 | 26,817,000 | 20,374,000 |
| Income tax | 1,923,000 | 4,771,000 | 9,080,000 | 6,051,000 |
| Net income | 4,123,000 | 9,651,000 | 17,737,000 | 14,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 537,374,000 | 533,180,000 | 549,054,000 | 554,529,000 |
| Total capital | 548,364,000 | 546,256,000 | 561,523,000 | 568,206,000 |
| Risk-weighted assets | 2,777,786,000 | 2,726,333,000 | 2,616,229,000 | 2,582,363,000 |
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