Call reports 2018
RIDGEWOOD SAVINGS BANK — 2018
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 5,494,420,000 | 5,461,118,000 | 5,472,741,000 | 5,534,383,000 |
| Total loans | 3,629,056,000 | 3,727,869,000 | 3,817,463,000 | 3,867,125,000 |
| Allowance for loan losses | 19,430,000 | 19,543,000 | 19,899,000 | 23,290,000 |
| Securities available for sale | 1,189,983,000 | 1,079,195,000 | 1,040,793,000 | 1,055,581,000 |
| Securities held to maturity | 277,976,000 | 268,429,000 | 258,269,000 | 249,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,272,378,000 | 4,262,748,000 | 4,256,612,000 | 4,304,341,000 |
| Interest-bearing deposits | 3,883,688,000 | 3,888,225,000 | 3,887,580,000 | 3,917,734,000 |
| Noninterest-bearing deposits | 388,690,000 | 374,523,000 | 369,032,000 | 386,607,000 |
| Equity capital | 700,463,000 | 707,107,000 | 714,668,000 | 719,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 40,142,000 | 82,302,000 | 125,370,000 | 170,379,000 |
| Interest expense | 10,298,000 | 21,819,000 | 34,182,000 | 47,510,000 |
| Net interest income | 29,844,000 | 60,483,000 | 91,188,000 | 122,869,000 |
| Noninterest income | 2,687,000 | 5,952,000 | 8,970,000 | 11,923,000 |
| Noninterest expense | 23,856,000 | 48,946,000 | 72,547,000 | 97,762,000 |
| Provision for loan losses | 490,000 | 1,004,000 | 1,541,000 | 4,977,000 |
| Pretax income | 11,568,000 | 20,482,000 | 37,033,000 | 43,196,000 |
| Income tax | 1,507,000 | 3,560,000 | 7,536,000 | 7,996,000 |
| Net income | 10,061,000 | 16,922,000 | 29,497,000 | 35,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 625,783,000 | 657,072,000 | 672,488,000 | 677,009,000 |
| Total capital | 645,710,000 | 677,587,000 | 692,766,000 | 700,630,000 |
| Risk-weighted assets | 3,244,966,000 | 3,278,506,000 | 3,323,596,000 | 3,390,430,000 |