Call reports 2013
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,380,000 | 169,520,000 | 167,750,000 | 167,710,000 |
| Total loans | 129,763,000 | 129,876,000 | 131,724,000 | 132,957,000 |
| Allowance for loan losses | 1,607,000 | 1,455,000 | 1,582,000 | 1,533,000 |
| Securities available for sale | 8,842,000 | 8,652,000 | 8,714,000 | 8,666,000 |
| Securities held to maturity | 6,047,000 | 5,343,000 | 5,148,000 | 5,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,554,000 | 126,661,000 | 126,067,000 | 126,892,000 |
| Interest-bearing deposits | 122,647,000 | 121,105,000 | 121,810,000 | 122,212,000 |
| Noninterest-bearing deposits | 3,907,000 | 5,556,000 | 4,257,000 | 4,680,000 |
| Equity capital | 32,697,000 | 32,724,000 | 31,522,000 | 31,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,528,000 | 5,194,000 | 6,929,000 |
| Interest expense | 179,000 | 349,000 | 543,000 | 757,000 |
| Net interest income | 1,586,000 | 3,179,000 | 4,651,000 | 6,172,000 |
| Noninterest income | 173,000 | 300,000 | 409,000 | 488,000 |
| Noninterest expense | 1,272,000 | 2,625,000 | 6,151,000 | 7,830,000 |
| Provision for loan losses | 150,000 | 325,000 | 785,000 | 885,000 |
| Pretax income | 337,000 | 529,000 | -1,876,000 | -2,006,000 |
| Income tax | 100,000 | 151,000 | -863,000 | -512,000 |
| Net income | 237,000 | 378,000 | -1,013,000 | -1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,216,000 | 27,906,000 | 28,136,000 | 28,752,000 |
| Total capital | 29,602,000 | 29,304,000 | 29,576,000 | 30,206,000 |
| Risk-weighted assets | 111,152,000 | 111,811,000 | 115,040,000 | 116,219,000 |