Call reports 2011
RIDGEWOOD SAVINGS BANK — 2011
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 4,609,515,000 | 4,717,922,000 | 4,754,363,000 | 4,804,014,000 |
| Total loans | 2,487,723,000 | 2,424,798,000 | 2,389,538,000 | 2,351,349,000 |
| Allowance for loan losses | 14,553,000 | 14,317,000 | 13,048,000 | 11,607,000 |
| Securities available for sale | 1,776,070,000 | 1,926,256,000 | 2,017,464,000 | 2,081,982,000 |
| Securities held to maturity | 6,146,000 | 3,489,000 | 3,408,000 | 3,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,774,414,000 | 3,871,388,000 | 3,916,500,000 | 3,951,909,000 |
| Interest-bearing deposits | 3,549,582,000 | 3,658,128,000 | 3,695,604,000 | 3,723,195,000 |
| Noninterest-bearing deposits | 224,832,000 | 213,260,000 | 220,896,000 | 228,714,000 |
| Equity capital | 597,216,000 | 611,450,000 | 604,169,000 | 597,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 44,115,000 | 88,755,000 | 133,032,000 | 176,906,000 |
| Interest expense | 14,615,000 | 28,903,000 | 43,425,000 | 57,468,000 |
| Net interest income | 29,500,000 | 59,852,000 | 89,607,000 | 119,438,000 |
| Noninterest income | 2,274,000 | 4,417,000 | 6,481,000 | 7,996,000 |
| Noninterest expense | 24,844,000 | 51,075,000 | 74,175,000 | 100,391,000 |
| Provision for loan losses | 1,779,000 | 3,208,000 | 3,936,000 | 7,431,000 |
| Pretax income | 8,418,000 | 16,679,000 | 24,658,000 | 25,797,000 |
| Income tax | 3,032,000 | 5,658,000 | 7,644,000 | 6,992,000 |
| Net income | 5,386,000 | 11,021,000 | 17,014,000 | 18,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 560,137,000 | 565,990,000 | 567,235,000 | 570,254,000 |
| Total capital | 574,690,000 | 580,307,000 | 580,283,000 | 581,861,000 |
| Risk-weighted assets | 2,517,983,000 | 2,503,396,000 | 2,516,913,000 | 2,516,409,000 |
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