Call reports 2012
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,868,000 | 137,724,000 | 174,240,000 | 170,939,000 |
| Total loans | 111,832,000 | 112,290,000 | 130,199,000 | 129,848,000 |
| Allowance for loan losses | 1,511,000 | 1,567,000 | 1,640,000 | 1,556,000 |
| Securities available for sale | 2,903,000 | 2,919,000 | 8,694,000 | 8,896,000 |
| Securities held to maturity | 5,407,000 | 5,360,000 | 6,350,000 | 6,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,678,000 | 103,343,000 | 135,133,000 | 126,275,000 |
| Interest-bearing deposits | 97,900,000 | 99,836,000 | 131,255,000 | 121,486,000 |
| Noninterest-bearing deposits | 2,778,000 | 3,507,000 | 3,878,000 | 4,789,000 |
| Equity capital | 25,113,000 | 25,264,000 | 33,417,000 | 32,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,632,000 | 3,287,000 | 5,095,000 | 6,892,000 |
| Interest expense | 272,000 | 541,000 | 849,000 | 1,071,000 |
| Net interest income | 1,360,000 | 2,746,000 | 4,246,000 | 5,821,000 |
| Noninterest income | 124,000 | 171,000 | 369,000 | -21,000 |
| Noninterest expense | 883,000 | 1,818,000 | 3,015,000 | 4,396,000 |
| Provision for loan losses | 220,000 | 400,000 | 600,000 | 780,000 |
| Pretax income | 355,000 | 673,000 | 965,000 | 589,000 |
| Income tax | 142,000 | 236,000 | 259,000 | 186,000 |
| Net income | -20,000 | 115,000 | 358,000 | -326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,029,000 | 24,167,000 | 31,281,000 | 30,570,000 |
| Total capital | 25,152,000 | 25,361,000 | 32,672,000 | 31,959,000 |
| Risk-weighted assets | 94,428,000 | 95,150,000 | 110,272,000 | 110,664,000 |