Call reports 2025
RIDGEWOOD SAVINGS BANK — 2025
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,297,683,000 | 7,306,964,000 | 7,379,699,000 | 7,481,657,000 |
| Total loans | 4,764,722,000 | 4,830,553,000 | 4,863,693,000 | 4,890,371,000 |
| Allowance for loan losses | 35,619,000 | 37,989,000 | 38,035,000 | 37,679,000 |
| Securities available for sale | 1,024,503,000 | 1,018,716,000 | 1,040,073,000 | 1,077,091,000 |
| Securities held to maturity | 440,494,000 | 428,877,000 | 416,676,000 | 392,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,774,644,000 | 5,778,928,000 | 5,849,449,000 | 5,933,629,000 |
| Interest-bearing deposits | 5,212,045,000 | 5,221,567,000 | 5,297,132,000 | 5,364,165,000 |
| Noninterest-bearing deposits | 562,599,000 | 557,361,000 | 552,317,000 | 569,464,000 |
| Equity capital | 881,926,000 | 900,109,000 | 919,767,000 | 940,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 69,562,000 | 140,589,000 | 213,234,000 | 290,731,000 |
| Interest expense | 39,071,000 | 78,095,000 | 117,668,000 | 157,432,000 |
| Net interest income | 30,491,000 | 62,494,000 | 95,566,000 | 133,299,000 |
| Noninterest income | 3,830,000 | 7,657,000 | 12,017,000 | 16,134,000 |
| Noninterest expense | 26,842,000 | 55,240,000 | 83,169,000 | 111,390,000 |
| Provision for loan losses | 610,000 | 3,206,000 | 4,829,000 | 8,051,000 |
| Pretax income | 5,235,000 | 18,188,000 | 32,402,000 | 42,034,000 |
| Income tax | -85,000 | 2,275,000 | 4,885,000 | 5,304,000 |
| Net income | 5,320,000 | 15,913,000 | 27,517,000 | 36,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 933,774,000 | 944,367,000 | 955,971,000 | 965,170,000 |