Call reports 2019
RIDGEWOOD SAVINGS BANK — 2019
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 5,612,485,000 | 5,646,842,000 | 5,737,288,000 | 5,814,080,000 |
| Total loans | 3,855,941,000 | 3,933,515,000 | 3,950,454,000 | 4,031,389,000 |
| Allowance for loan losses | 23,404,000 | 23,824,000 | 20,979,000 | 22,648,000 |
| Securities available for sale | 989,800,000 | 878,212,000 | 989,464,000 | 975,448,000 |
| Securities held to maturity | 241,511,000 | 233,975,000 | 217,695,000 | 195,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,372,299,000 | 4,412,920,000 | 4,450,614,000 | 4,529,389,000 |
| Interest-bearing deposits | 3,979,873,000 | 4,023,485,000 | 4,063,997,000 | 4,138,065,000 |
| Noninterest-bearing deposits | 392,426,000 | 389,435,000 | 386,617,000 | 391,324,000 |
| Equity capital | 746,667,000 | 762,723,000 | 774,299,000 | 777,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 45,606,000 | 91,162,000 | 136,626,000 | 184,160,000 |
| Interest expense | 13,878,000 | 28,887,000 | 44,708,000 | 60,690,000 |
| Net interest income | 31,728,000 | 62,275,000 | 91,918,000 | 123,470,000 |
| Noninterest income | 3,683,000 | 6,647,000 | 9,728,000 | 12,487,000 |
| Noninterest expense | 25,138,000 | 49,877,000 | 73,327,000 | 99,376,000 |
| Provision for loan losses | 153,000 | 422,000 | -2,405,000 | -656,000 |
| Pretax income | 20,523,000 | 31,944,000 | 45,089,000 | 55,750,000 |
| Income tax | 4,201,000 | 6,543,000 | 9,300,000 | 10,934,000 |
| Net income | 16,322,000 | 25,401,000 | 35,789,000 | 44,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 707,771,000 | 717,303,000 | 728,714,000 | 740,351,000 |
| Total capital | 731,884,000 | 741,641,000 | 750,175,000 | 763,550,000 |
| Risk-weighted assets | 3,455,668,000 | 3,517,294,000 | 3,549,757,000 | 3,619,567,000 |