Call reports 2015
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 175,801,000 | 179,922,000 | 187,835,000 | 186,900,000 |
| Total loans | 136,363,000 | 141,703,000 | 145,981,000 | 151,112,000 |
| Allowance for loan losses | 1,499,000 | 1,568,000 | 1,629,000 | 1,703,000 |
| Securities available for sale | 4,854,000 | 5,705,000 | 5,578,000 | 5,458,000 |
| Securities held to maturity | 10,697,000 | 10,097,000 | 9,541,000 | 9,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,306,000 | 134,256,000 | 133,178,000 | 136,199,000 |
| Interest-bearing deposits | 126,196,000 | 125,597,000 | 124,952,000 | 126,368,000 |
| Noninterest-bearing deposits | 7,110,000 | 8,659,000 | 8,226,000 | 9,831,000 |
| Equity capital | 31,962,000 | 32,055,000 | 32,222,000 | 32,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,720,000 | 3,486,000 | 5,340,000 | 7,222,000 |
| Interest expense | 210,000 | 435,000 | 670,000 | 918,000 |
| Net interest income | 1,510,000 | 3,051,000 | 4,670,000 | 6,304,000 |
| Noninterest income | 223,000 | 326,000 | 463,000 | 583,000 |
| Noninterest expense | 1,404,000 | 2,793,000 | 4,288,000 | 5,731,000 |
| Provision for loan losses | 375,000 | 455,000 | 520,000 | 630,000 |
| Pretax income | -46,000 | 137,000 | 333,000 | 532,000 |
| Income tax | -39,000 | 36,000 | 74,000 | 465,000 |
| Net income | -7,000 | 101,000 | 259,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,564,000 | 27,836,000 | 28,036,000 | 28,254,000 |
| Total capital | 31,063,000 | 29,404,000 | 29,665,000 | 29,957,000 |
| Risk-weighted assets | 138,657,000 | 142,716,000 | 149,846,000 | 154,505,000 |