Call reports 2015
RIDGEWOOD SAVINGS BANK — 2015
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 5,163,916,000 | 5,128,042,000 | 5,114,112,000 | 5,206,994,000 |
| Total loans | 2,614,717,000 | 2,665,937,000 | 2,767,400,000 | 2,818,543,000 |
| Allowance for loan losses | 14,666,000 | 14,791,000 | 15,259,000 | 15,660,000 |
| Securities available for sale | 1,597,172,000 | 1,660,649,000 | 1,598,727,000 | 1,571,478,000 |
| Securities held to maturity | 462,223,000 | 441,697,000 | 422,155,000 | 409,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,985,406,000 | 3,950,494,000 | 3,931,638,000 | 3,997,990,000 |
| Interest-bearing deposits | 3,685,312,000 | 3,649,136,000 | 3,633,887,000 | 3,681,396,000 |
| Noninterest-bearing deposits | 300,094,000 | 301,358,000 | 297,751,000 | 316,594,000 |
| Equity capital | 673,540,000 | 666,692,000 | 671,374,000 | 667,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 34,921,000 | 69,145,000 | 103,741,000 | 140,937,000 |
| Interest expense | 9,894,000 | 19,919,000 | 29,725,000 | 39,389,000 |
| Net interest income | 25,027,000 | 49,226,000 | 74,016,000 | 101,548,000 |
| Noninterest income | 2,004,000 | 4,209,000 | 6,494,000 | 8,742,000 |
| Noninterest expense | 24,177,000 | 48,956,000 | 72,663,000 | 97,844,000 |
| Provision for loan losses | 177,000 | 417,000 | 1,216,000 | 1,652,000 |
| Pretax income | 11,306,000 | 16,018,000 | 18,681,000 | 22,917,000 |
| Income tax | 3,659,000 | 5,993,000 | 6,721,000 | 7,695,000 |
| Net income | 7,647,000 | 10,025,000 | 11,960,000 | 15,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 607,807,000 | 610,771,000 | 610,887,000 | 614,150,000 |
| Total capital | 622,916,000 | 626,140,000 | 626,626,000 | 630,254,000 |
| Risk-weighted assets | 2,410,713,000 | 2,428,159,000 | 2,601,245,000 | 2,718,270,000 |