Call reports 2013
RIDGEWOOD SAVINGS BANK — 2013
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,993,264,000 | 5,012,243,000 | 5,026,164,000 | 5,133,140,000 |
| Total loans | 2,311,920,000 | 2,410,477,000 | 2,531,688,000 | 2,535,224,000 |
| Allowance for loan losses | 12,854,000 | 13,593,000 | 13,699,000 | 13,682,000 |
| Securities available for sale | 1,843,100,000 | 1,793,824,000 | 1,701,689,000 | 1,736,876,000 |
| Securities held to maturity | 475,936,000 | 470,771,000 | 454,161,000 | 526,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,050,721,000 | 4,054,170,000 | 4,058,303,000 | 4,071,129,000 |
| Interest-bearing deposits | 3,770,070,000 | 3,774,793,000 | 3,791,063,000 | 3,798,392,000 |
| Noninterest-bearing deposits | 280,651,000 | 279,377,000 | 267,240,000 | 272,737,000 |
| Equity capital | 633,932,000 | 615,579,000 | 620,025,000 | 634,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 36,657,000 | 72,096,000 | 107,300,000 | 146,192,000 |
| Interest expense | 10,560,000 | 20,689,000 | 30,907,000 | 41,694,000 |
| Net interest income | 26,097,000 | 51,407,000 | 76,393,000 | 104,498,000 |
| Noninterest income | 1,886,000 | 3,474,000 | 5,684,000 | 7,792,000 |
| Noninterest expense | 25,513,000 | 51,151,000 | 76,667,000 | 103,323,000 |
| Provision for loan losses | -3,203,000 | -2,368,000 | -2,752,000 | -2,418,000 |
| Pretax income | 13,463,000 | 21,839,000 | 27,817,000 | 31,134,000 |
| Income tax | 4,734,000 | 7,267,000 | 8,707,000 | 9,438,000 |
| Net income | 8,729,000 | 14,572,000 | 19,110,000 | 21,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 597,434,000 | 603,903,000 | 603,495,000 | 611,266,000 |
| Total capital | 610,288,000 | 617,496,000 | 617,194,000 | 624,948,000 |
| Risk-weighted assets | 2,391,677,000 | 2,443,882,000 | 2,438,330,000 | 2,467,409,000 |
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