Call reports 2014
RIDGEWOOD SAVINGS BANK — 2014
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 5,156,227,000 | 5,115,055,000 | 5,072,462,000 | 5,087,405,000 |
| Total loans | 2,541,395,000 | 2,554,796,000 | 2,557,033,000 | 2,588,967,000 |
| Allowance for loan losses | 13,504,000 | 13,778,000 | 13,847,000 | 14,511,000 |
| Securities available for sale | 1,761,564,000 | 1,713,211,000 | 1,676,154,000 | 1,649,459,000 |
| Securities held to maturity | 516,690,000 | 503,831,000 | 486,881,000 | 476,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,075,403,000 | 3,990,195,000 | 3,949,207,000 | 3,923,752,000 |
| Interest-bearing deposits | 3,795,499,000 | 3,721,329,000 | 3,675,350,000 | 3,638,093,000 |
| Noninterest-bearing deposits | 279,904,000 | 268,866,000 | 273,857,000 | 285,659,000 |
| Equity capital | 645,788,000 | 662,190,000 | 661,662,000 | 665,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 36,878,000 | 73,147,000 | 108,207,000 | 145,313,000 |
| Interest expense | 10,400,000 | 20,809,000 | 31,097,000 | 41,175,000 |
| Net interest income | 26,478,000 | 52,338,000 | 77,110,000 | 104,138,000 |
| Noninterest income | 1,988,000 | 4,119,000 | 6,301,000 | 8,446,000 |
| Noninterest expense | 24,301,000 | 49,155,000 | 73,451,000 | 99,288,000 |
| Provision for loan losses | 136,000 | -219,000 | -121,000 | 515,000 |
| Pretax income | 7,051,000 | 15,667,000 | 20,292,000 | 23,054,000 |
| Income tax | 2,329,000 | 5,268,000 | 6,470,000 | 8,546,000 |
| Net income | 4,722,000 | 10,399,000 | 13,822,000 | 14,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 616,113,000 | 621,922,000 | 625,439,000 | 626,206,000 |
| Total capital | 629,617,000 | 635,700,000 | 639,286,000 | 640,717,000 |
| Risk-weighted assets | 2,474,054,000 | 2,468,665,000 | 2,473,117,000 | 2,518,984,000 |