Call reports 2019
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 324,717,000 | 326,309,000 | 329,550,000 | 327,786,000 |
| Total loans | 267,671,000 | 267,937,000 | 271,714,000 | 271,092,000 |
| Allowance for loan losses | 2,164,000 | 2,092,000 | 2,212,000 | 2,326,000 |
| Securities available for sale | 22,896,000 | 22,622,000 | 21,453,000 | 20,631,000 |
| Securities held to maturity | 937,000 | 885,000 | 824,000 | 753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,341,000 | 265,810,000 | 267,539,000 | 264,758,000 |
| Interest-bearing deposits | 222,789,000 | 224,924,000 | 223,135,000 | 222,674,000 |
| Noninterest-bearing deposits | 37,552,000 | 40,886,000 | 44,404,000 | 42,084,000 |
| Equity capital | 36,630,000 | 37,282,000 | 37,897,000 | 38,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,773,000 | 7,281,000 | 10,871,000 | 14,540,000 |
| Interest expense | 581,000 | 1,140,000 | 1,747,000 | 2,361,000 |
| Net interest income | 3,192,000 | 6,141,000 | 9,124,000 | 12,179,000 |
| Noninterest income | 362,000 | 774,000 | 1,236,000 | 1,723,000 |
| Noninterest expense | 2,063,000 | 4,803,000 | 7,483,000 | 10,250,000 |
| Provision for loan losses | 250,000 | 270,000 | 378,000 | 538,000 |
| Pretax income | 1,241,000 | 1,842,000 | 2,499,000 | 3,114,000 |
| Income tax | 225,000 | 328,000 | 443,000 | 580,000 |
| Net income | 1,016,000 | 1,514,000 | 2,056,000 | 2,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,747,000 | 30,543,000 | 31,256,000 | 31,945,000 |
| Total capital | 31,911,000 | 32,635,000 | 33,468,000 | 34,271,000 |
| Risk-weighted assets | 219,207,000 | 220,741,000 | 222,734,000 | 219,691,000 |