Call reports 2014
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 169,590,000 | 172,108,000 | 170,414,000 | 172,169,000 |
| Total loans | 132,095,000 | 133,615,000 | 133,027,000 | 135,269,000 |
| Allowance for loan losses | 1,580,000 | 1,558,000 | 1,547,000 | 1,534,000 |
| Securities available for sale | 9,477,000 | 7,623,000 | 6,537,000 | 4,921,000 |
| Securities held to maturity | 8,061,000 | 9,946,000 | 9,693,000 | 9,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,599,000 | 130,676,000 | 128,748,000 | 129,642,000 |
| Interest-bearing deposits | 122,718,000 | 123,606,000 | 123,297,000 | 121,757,000 |
| Noninterest-bearing deposits | 4,881,000 | 7,070,000 | 5,451,000 | 7,885,000 |
| Equity capital | 31,337,000 | 31,676,000 | 31,890,000 | 31,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,360,000 | 5,124,000 | 6,809,000 |
| Interest expense | 204,000 | 404,000 | 603,000 | 807,000 |
| Net interest income | 1,480,000 | 2,956,000 | 4,521,000 | 6,002,000 |
| Noninterest income | 190,000 | 332,000 | 454,000 | 646,000 |
| Noninterest expense | 1,286,000 | 2,674,000 | 3,993,000 | 5,383,000 |
| Provision for loan losses | 60,000 | 315,000 | 385,000 | 522,000 |
| Pretax income | 324,000 | 280,000 | 575,000 | 715,000 |
| Income tax | 123,000 | 68,000 | 150,000 | 286,000 |
| Net income | 201,000 | 212,000 | 425,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,340,000 | 26,651,000 | 26,970,000 | 27,124,000 |
| Total capital | 29,696,000 | 28,112,000 | 28,406,000 | 28,583,000 |
| Risk-weighted assets | 117,026,000 | 116,767,000 | 114,815,000 | 116,586,000 |