Call reports 2018
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 317,197,000 | 320,435,000 | 325,767,000 | 321,789,000 |
| Total loans | 260,186,000 | 260,316,000 | 265,584,000 | 267,000,000 |
| Allowance for loan losses | 1,868,000 | 1,792,000 | 1,901,000 | 1,962,000 |
| Securities available for sale | 21,943,000 | 21,747,000 | 20,956,000 | 20,483,000 |
| Securities held to maturity | 0 | 0 | 1,013,000 | 972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,851,000 | 263,830,000 | 255,856,000 | 259,451,000 |
| Interest-bearing deposits | 224,522,000 | 225,117,000 | 212,219,000 | 222,903,000 |
| Noninterest-bearing deposits | 34,329,000 | 38,713,000 | 43,637,000 | 36,548,000 |
| Equity capital | 35,066,000 | 35,432,000 | 34,936,000 | 35,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,714,000 | 10,085,000 | 13,551,000 |
| Interest expense | 444,000 | 874,000 | 1,348,000 | 1,950,000 |
| Net interest income | 2,923,000 | 5,840,000 | 8,737,000 | 11,601,000 |
| Noninterest income | 348,000 | 708,000 | 1,106,000 | 1,439,000 |
| Noninterest expense | 2,525,000 | 5,171,000 | 8,713,000 | 11,309,000 |
| Provision for loan losses | 70,000 | 182,000 | 399,000 | 473,000 |
| Pretax income | 676,000 | 1,195,000 | 731,000 | 1,258,000 |
| Income tax | 151,000 | 266,000 | 183,000 | 267,000 |
| Net income | 525,000 | 929,000 | 548,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,873,000 | 28,389,000 | 28,098,000 | 28,400,000 |
| Total capital | 29,741,000 | 30,181,000 | 29,999,000 | 30,362,000 |
| Risk-weighted assets | 211,199,000 | 214,818,000 | 223,702,000 | 211,141,000 |