Call reports 2016
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 187,615,000 | 192,143,000 | 193,697,000 | 195,456,000 |
| Total loans | 155,423,000 | 157,007,000 | 157,671,000 | 160,629,000 |
| Allowance for loan losses | 1,753,000 | 1,789,000 | 1,800,000 | 1,735,000 |
| Securities available for sale | 11,192,000 | 10,860,000 | 11,847,000 | 11,115,000 |
| Securities held to maturity | 22,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,661,000 | 141,962,000 | 141,727,000 | 149,170,000 |
| Interest-bearing deposits | 127,847,000 | 131,976,000 | 128,651,000 | 134,902,000 |
| Noninterest-bearing deposits | 8,814,000 | 9,986,000 | 13,076,000 | 14,268,000 |
| Equity capital | 32,272,000 | 32,375,000 | 32,531,000 | 32,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,852,000 | 3,772,000 | 5,665,000 | 7,554,000 |
| Interest expense | 254,000 | 514,000 | 784,000 | 1,060,000 |
| Net interest income | 1,598,000 | 3,258,000 | 4,881,000 | 6,494,000 |
| Noninterest income | 156,000 | 272,000 | 380,000 | 493,000 |
| Noninterest expense | 1,482,000 | 3,025,000 | 4,542,000 | 6,216,000 |
| Provision for loan losses | 65,000 | 150,000 | 175,000 | -92,000 |
| Pretax income | 256,000 | 404,000 | 593,000 | 912,000 |
| Income tax | 78,000 | 120,000 | 170,000 | 208,000 |
| Net income | 178,000 | 284,000 | 423,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,406,000 | 28,555,000 | 28,741,000 | 29,028,000 |
| Total capital | 30,159,000 | 30,344,000 | 30,541,000 | 30,763,000 |
| Risk-weighted assets | 157,447,000 | 154,971,000 | 154,310,000 | 154,496,000 |