Call reports 2017
RIDGEWOOD SAVINGS BANK — 2017
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 5,440,308,000 | 5,428,100,000 | 5,393,862,000 | 5,391,946,000 |
| Total loans | 3,380,901,000 | 3,465,492,000 | 3,484,106,000 | 3,558,035,000 |
| Allowance for loan losses | 18,301,000 | 18,406,000 | 18,494,000 | 19,147,000 |
| Securities available for sale | 1,369,308,000 | 1,295,349,000 | 1,275,408,000 | 1,221,310,000 |
| Securities held to maturity | 324,928,000 | 311,892,000 | 300,912,000 | 288,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,180,287,000 | 4,175,513,000 | 4,169,945,000 | 4,194,966,000 |
| Interest-bearing deposits | 3,813,938,000 | 3,817,321,000 | 3,815,828,000 | 3,829,863,000 |
| Noninterest-bearing deposits | 366,349,000 | 358,192,000 | 354,117,000 | 365,103,000 |
| Equity capital | 690,385,000 | 703,819,000 | 711,138,000 | 703,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 37,321,000 | 76,261,000 | 114,886,000 | 155,486,000 |
| Interest expense | 8,714,000 | 17,465,000 | 26,737,000 | 36,408,000 |
| Net interest income | 28,607,000 | 58,796,000 | 88,149,000 | 119,078,000 |
| Noninterest income | 2,510,000 | 6,139,000 | 8,601,000 | 11,031,000 |
| Noninterest expense | 24,389,000 | 49,310,000 | 75,087,000 | 100,722,000 |
| Provision for loan losses | 1,016,000 | 1,339,000 | 1,771,000 | 2,541,000 |
| Pretax income | 8,913,000 | 18,648,000 | 26,144,000 | 33,201,000 |
| Income tax | 2,999,000 | 6,056,000 | 8,625,000 | 15,929,000 |
| Net income | 5,914,000 | 12,592,000 | 17,519,000 | 17,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 611,844,000 | 620,283,000 | 626,320,000 | 625,782,000 |
| Total capital | 630,914,000 | 639,081,000 | 645,368,000 | 645,483,000 |
| Risk-weighted assets | 3,142,555,000 | 3,164,815,000 | 3,127,242,000 | 3,208,394,000 |