Call reports 2020
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 334,269,000 | 355,124,000 | 351,483,000 | 355,697,000 |
| Total loans | 270,517,000 | 275,598,000 | 269,395,000 | 267,277,000 |
| Allowance for loan losses | 2,515,000 | 2,668,000 | 2,848,000 | 2,904,000 |
| Securities available for sale | 14,964,000 | 17,981,000 | 17,102,000 | 14,780,000 |
| Securities held to maturity | 4,727,000 | 10,739,000 | 20,562,000 | 23,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,366,000 | 294,554,000 | 290,762,000 | 294,866,000 |
| Interest-bearing deposits | 222,908,000 | 238,224,000 | 236,794,000 | 240,510,000 |
| Noninterest-bearing deposits | 43,458,000 | 56,330,000 | 53,968,000 | 54,356,000 |
| Equity capital | 38,541,000 | 39,023,000 | 39,628,000 | 40,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,509,000 | 6,896,000 | 10,343,000 | 13,822,000 |
| Interest expense | 564,000 | 1,147,000 | 1,623,000 | 2,012,000 |
| Net interest income | 2,945,000 | 5,749,000 | 8,720,000 | 11,810,000 |
| Noninterest income | 474,000 | 947,000 | 1,547,000 | 2,149,000 |
| Noninterest expense | 2,753,000 | 5,489,000 | 8,208,000 | 11,167,000 |
| Provision for loan losses | 450,000 | 600,000 | 825,000 | 875,000 |
| Pretax income | 385,000 | 776,000 | 1,403,000 | 2,096,000 |
| Income tax | 69,000 | 135,000 | 243,000 | 359,000 |
| Net income | 316,000 | 641,000 | 1,160,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,236,000 | 32,703,000 | 35,088,000 | 35,692,000 |
| Total capital | 34,751,000 | 35,371,000 | 37,936,000 | 38,596,000 |
| Risk-weighted assets | 225,019,000 | 235,362,000 | 237,795,000 | 235,723,000 |