Call reports 2024
RIDGEWOOD SAVINGS BANK — 2024
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 6,996,423,000 | 7,020,614,000 | 7,168,903,000 | 7,191,411,000 |
| Total loans | 4,583,213,000 | 4,631,007,000 | 4,668,442,000 | 4,710,575,000 |
| Allowance for loan losses | 32,343,000 | 31,667,000 | 33,830,000 | 35,483,000 |
| Securities available for sale | 1,007,259,000 | 987,271,000 | 1,044,154,000 | 1,009,542,000 |
| Securities held to maturity | 489,668,000 | 477,619,000 | 465,012,000 | 451,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,559,007,000 | 5,560,107,000 | 5,631,071,000 | 5,680,221,000 |
| Interest-bearing deposits | 5,030,795,000 | 5,036,849,000 | 5,090,384,000 | 5,141,007,000 |
| Noninterest-bearing deposits | 528,212,000 | 523,258,000 | 540,687,000 | 539,214,000 |
| Equity capital | 821,096,000 | 829,272,000 | 864,874,000 | 860,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 63,703,000 | 128,765,000 | 196,134,000 | 265,306,000 |
| Interest expense | 34,954,000 | 71,642,000 | 110,897,000 | 150,978,000 |
| Net interest income | 28,749,000 | 57,123,000 | 85,237,000 | 114,328,000 |
| Noninterest income | 3,740,000 | 7,873,000 | 11,755,000 | 16,225,000 |
| Noninterest expense | 27,473,000 | 54,035,000 | 81,092,000 | 109,485,000 |
| Provision for loan losses | 1,269,000 | 1,064,000 | 3,370,000 | 5,232,000 |
| Pretax income | 9,113,000 | 16,518,000 | 26,198,000 | 27,605,000 |
| Income tax | 1,191,000 | 1,871,000 | 3,364,000 | 2,432,000 |
| Net income | 7,922,000 | 14,647,000 | 22,834,000 | 25,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 911,218,000 | 917,941,000 | 926,130,000 | 928,455,000 |