Call reports 2016
RIDGEWOOD SAVINGS BANK — 2016
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 5,254,558,000 | 5,309,950,000 | 5,300,601,000 | 5,347,525,000 |
| Total loans | 2,887,887,000 | 3,019,579,000 | 3,122,642,000 | 3,220,088,000 |
| Allowance for loan losses | 16,170,000 | 16,286,000 | 16,610,000 | 17,316,000 |
| Securities available for sale | 1,562,866,000 | 1,442,534,000 | 1,386,470,000 | 1,413,886,000 |
| Securities held to maturity | 394,803,000 | 377,655,000 | 358,225,000 | 338,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,041,542,000 | 4,096,704,000 | 4,097,953,000 | 4,128,167,000 |
| Interest-bearing deposits | 3,712,328,000 | 3,766,453,000 | 3,767,565,000 | 3,784,349,000 |
| Noninterest-bearing deposits | 329,214,000 | 330,251,000 | 330,388,000 | 343,818,000 |
| Equity capital | 677,253,000 | 689,164,000 | 695,338,000 | 681,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 35,181,000 | 70,482,000 | 106,066,000 | 143,500,000 |
| Interest expense | 9,289,000 | 18,643,000 | 27,608,000 | 36,489,000 |
| Net interest income | 25,892,000 | 51,839,000 | 78,458,000 | 107,011,000 |
| Noninterest income | 2,347,000 | 4,737,000 | 7,419,000 | 10,116,000 |
| Noninterest expense | 24,943,000 | 50,466,000 | 74,612,000 | 100,495,000 |
| Provision for loan losses | -425,000 | -142,000 | 525,000 | 1,267,000 |
| Pretax income | 5,784,000 | 11,483,000 | 17,714,000 | 22,400,000 |
| Income tax | 1,332,000 | 2,425,000 | 4,281,000 | 5,933,000 |
| Net income | 4,452,000 | 9,058,000 | 13,433,000 | 16,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 603,419,000 | 608,916,000 | 615,496,000 | 617,600,000 |
| Total capital | 620,123,000 | 626,006,000 | 632,743,000 | 635,532,000 |
| Risk-weighted assets | 2,768,208,000 | 2,872,498,000 | 2,917,247,000 | 2,999,744,000 |