Call reports 2022
RIDGEWOOD SAVINGS BANK — 2022
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 6,794,524,000 | 6,804,599,000 | 6,857,820,000 | 6,834,299,000 |
| Total loans | 3,857,201,000 | 3,999,601,000 | 4,168,356,000 | 4,325,195,000 |
| Allowance for loan losses | 26,968,000 | 27,587,000 | 28,736,000 | 29,879,000 |
| Securities available for sale | 1,388,731,000 | 1,328,898,000 | 1,204,574,000 | 1,189,301,000 |
| Securities held to maturity | 618,316,000 | 596,106,000 | 577,688,000 | 563,661,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,526,969,000 | 5,515,866,000 | 5,563,178,000 | 5,447,460,000 |
| Interest-bearing deposits | 4,955,669,000 | 4,956,205,000 | 5,011,148,000 | 4,918,597,000 |
| Noninterest-bearing deposits | 571,300,000 | 559,661,000 | 552,030,000 | 528,863,000 |
| Equity capital | 805,006,000 | 771,077,000 | 734,464,000 | 774,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 44,356,000 | 91,543,000 | 142,001,000 | 196,867,000 |
| Interest expense | 7,794,000 | 16,101,000 | 27,765,000 | 44,971,000 |
| Net interest income | 36,562,000 | 75,442,000 | 114,236,000 | 151,896,000 |
| Noninterest income | 3,153,000 | 6,797,000 | 10,379,000 | 13,671,000 |
| Noninterest expense | 24,515,000 | 48,784,000 | 73,368,000 | 96,699,000 |
| Provision for loan losses | 945,000 | 1,663,000 | 2,846,000 | 4,185,000 |
| Pretax income | 6,674,000 | 7,569,000 | 19,163,000 | 39,133,000 |
| Income tax | 837,000 | -198,000 | 2,030,000 | 6,570,000 |
| Net income | 5,837,000 | 7,767,000 | 17,133,000 | 32,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 843,122,000 | 845,051,000 | 854,417,000 | 869,842,000 |