Call reports 2021
RIDGEWOOD SAVINGS BANK — 2021
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 6,522,810,000 | 6,619,889,000 | 6,704,553,000 | 6,765,343,000 |
| Total loans | 3,954,545,000 | 3,904,213,000 | 3,862,637,000 | 3,830,669,000 |
| Allowance for loan losses | 27,167,000 | 27,174,000 | 26,998,000 | 26,757,000 |
| Securities available for sale | 975,978,000 | 1,147,786,000 | 1,112,961,000 | 1,313,398,000 |
| Securities held to maturity | 484,287,000 | 459,682,000 | 654,582,000 | 646,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,191,503,000 | 5,277,949,000 | 5,356,971,000 | 5,417,337,000 |
| Interest-bearing deposits | 4,660,194,000 | 4,737,293,000 | 4,815,969,000 | 4,873,375,000 |
| Noninterest-bearing deposits | 531,309,000 | 540,656,000 | 541,002,000 | 543,962,000 |
| Equity capital | 818,848,000 | 831,185,000 | 839,030,000 | 856,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 40,739,000 | 80,727,000 | 122,243,000 | 166,753,000 |
| Interest expense | 10,620,000 | 20,123,000 | 28,866,000 | 37,095,000 |
| Net interest income | 30,119,000 | 60,604,000 | 93,377,000 | 129,658,000 |
| Noninterest income | 2,978,000 | 6,381,000 | 9,685,000 | 13,044,000 |
| Noninterest expense | 25,438,000 | 51,284,000 | 75,924,000 | 101,865,000 |
| Provision for loan losses | -84,000 | -47,000 | -181,000 | -204,000 |
| Pretax income | 12,651,000 | 27,232,000 | 38,539,000 | 56,418,000 |
| Income tax | 2,236,000 | 6,685,000 | 9,076,000 | 12,776,000 |
| Net income | 10,415,000 | 20,547,000 | 29,463,000 | 43,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 804,074,000 | 814,206,000 | 823,121,000 | 837,286,000 |