Call reports 2023
RIDGEWOOD SAVINGS BANK — 2023
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 6,919,023,000 | 6,897,884,000 | 6,873,731,000 | 6,973,412,000 |
| Total loans | 4,351,132,000 | 4,397,559,000 | 4,471,461,000 | 4,499,436,000 |
| Allowance for loan losses | 31,020,000 | 30,961,000 | 31,841,000 | 31,297,000 |
| Securities available for sale | 1,175,706,000 | 1,119,660,000 | 1,050,866,000 | 1,036,748,000 |
| Securities held to maturity | 551,469,000 | 533,383,000 | 519,328,000 | 500,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,501,130,000 | 5,472,420,000 | 5,493,670,000 | 5,505,763,000 |
| Interest-bearing deposits | 4,958,931,000 | 4,946,683,000 | 4,973,429,000 | 4,991,116,000 |
| Noninterest-bearing deposits | 542,199,000 | 525,737,000 | 520,241,000 | 514,647,000 |
| Equity capital | 793,977,000 | 792,907,000 | 768,981,000 | 822,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 55,111,000 | 112,084,000 | 171,439,000 | 234,235,000 |
| Interest expense | 21,159,000 | 46,083,000 | 75,038,000 | 107,163,000 |
| Net interest income | 33,952,000 | 66,001,000 | 96,401,000 | 127,072,000 |
| Noninterest income | 3,480,000 | 7,019,000 | 10,374,000 | 14,053,000 |
| Noninterest expense | 26,102,000 | 53,242,000 | 79,332,000 | 108,751,000 |
| Provision for loan losses | -522,000 | -222,000 | 1,021,000 | 683,000 |
| Pretax income | 17,102,000 | 28,137,000 | 30,856,000 | 40,355,000 |
| Income tax | 3,874,000 | 5,705,000 | 4,758,000 | 5,885,000 |
| Net income | 13,228,000 | 22,432,000 | 26,098,000 | 34,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 882,072,000 | 891,273,000 | 894,940,000 | 903,297,000 |