Although the bank was becoming increasingly the subject of criticism and legislative inquiry, Ridout’s personal fortune continued to improve. In 1853 his salary as cashier was raised from £750 to £1,000. Swept up in the speculative boom which preceded the depression of 1857, he estimated his Sherborne property to be worth £16,000, or £20,000 if subdivided, and was considering selling it although he was “in no hurry about it.” When he did sell this land, a month before his death, he received $9,500 for it. He was also in 1853 developing several hundred acres near Port Hope. He had two streets laid out and planned to sell the 76 building lots for £30 to £35 each. He estimated that another 100 acres north of the town could be developed into one-acre properties worth £100 each. He also owned 100 acres “on the lake shore and harbour . . . where the Grand Trunk rail way is to be” and he estimated its worth at four to five times that of the land north of the town. He even confided to his wife that, after selling all this property, “I fancy I shall not bother myself any more about the Bank [of Upper Canada].” His grandiose plans were disrupted by the end of the speculative boom in 1857, and in his will he left the modest sum of $4,160.