Call reports 2020
RIDGEWOOD SAVINGS BANK — 2020
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 5,934,962,000 | 6,144,952,000 | 6,256,834,000 | 6,373,917,000 |
| Total loans | 4,025,133,000 | 4,013,060,000 | 4,052,609,000 | 4,010,457,000 |
| Allowance for loan losses | 22,712,000 | 24,999,000 | 25,188,000 | 27,307,000 |
| Securities available for sale | 1,054,837,000 | 1,141,235,000 | 1,078,744,000 | 901,807,000 |
| Securities held to maturity | 187,691,000 | 177,629,000 | 353,202,000 | 524,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,629,933,000 | 4,828,643,000 | 4,920,693,000 | 5,018,438,000 |
| Interest-bearing deposits | 4,227,872,000 | 4,362,863,000 | 4,441,686,000 | 4,535,787,000 |
| Noninterest-bearing deposits | 402,061,000 | 465,780,000 | 479,007,000 | 482,651,000 |
| Equity capital | 778,503,000 | 798,608,000 | 810,913,000 | 814,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 45,766,000 | 90,334,000 | 134,190,000 | 178,278,000 |
| Interest expense | 15,696,000 | 30,302,000 | 43,747,000 | 55,614,000 |
| Net interest income | 30,070,000 | 60,032,000 | 90,443,000 | 122,664,000 |
| Noninterest income | 2,821,000 | 4,978,000 | 7,993,000 | 11,082,000 |
| Noninterest expense | 23,635,000 | 48,095,000 | 72,488,000 | 100,385,000 |
| Provision for loan losses | 527,000 | 2,824,000 | 3,326,000 | 5,592,000 |
| Pretax income | -8,322,000 | 13,292,000 | 28,854,000 | 44,223,000 |
| Income tax | -1,906,000 | 2,799,000 | 6,070,000 | 8,964,000 |
| Net income | -6,416,000 | 10,493,000 | 22,784,000 | 35,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 751,968,000 | 768,877,000 | 781,168,000 | 793,631,000 |