Call reports 2017
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2017
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 197,913,000 | 199,679,000 | 321,218,000 | 324,642,000 |
| Total loans | 163,779,000 | 165,939,000 | 260,992,000 | 259,411,000 |
| Allowance for loan losses | 1,700,000 | 1,705,000 | 1,929,000 | 2,001,000 |
| Securities available for sale | 11,909,000 | 12,711,000 | 15,916,000 | 23,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,367,000 | 154,035,000 | 254,205,000 | 250,314,000 |
| Interest-bearing deposits | 139,342,000 | 137,873,000 | 215,238,000 | 218,486,000 |
| Noninterest-bearing deposits | 13,025,000 | 16,162,000 | 38,967,000 | 31,828,000 |
| Equity capital | 32,971,000 | 33,148,000 | 36,415,000 | 34,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,955,000 | 3,924,000 | 6,594,000 | 9,851,000 |
| Interest expense | 273,000 | 548,000 | 898,000 | 1,326,000 |
| Net interest income | 1,682,000 | 3,376,000 | 5,696,000 | 8,525,000 |
| Noninterest income | 141,000 | 290,000 | 525,000 | 925,000 |
| Noninterest expense | 1,486,000 | 2,999,000 | 6,632,000 | 9,136,000 |
| Provision for loan losses | 20,000 | 70,000 | 300,000 | 375,000 |
| Pretax income | 317,000 | 597,000 | -711,000 | -61,000 |
| Income tax | 100,000 | 209,000 | -301,000 | 1,878,000 |
| Net income | 217,000 | 388,000 | -410,000 | -1,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,238,000 | 29,477,000 | 26,283,000 | 27,276,000 |
| Total capital | 30,938,000 | 31,182,000 | 28,212,000 | 29,277,000 |
| Risk-weighted assets | 156,981,000 | 157,268,000 | 217,106,000 | 213,589,000 |
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