Call reports 2021
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2021
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 373,525,000 | 391,510,000 | 384,335,000 | 383,069,000 |
| Total loans | 264,385,000 | 261,313,000 | 265,880,000 | 259,579,000 |
| Allowance for loan losses | 2,998,000 | 3,068,000 | 3,076,000 | 3,076,000 |
| Securities available for sale | 18,413,000 | 26,642,000 | 34,928,000 | 40,908,000 |
| Securities held to maturity | 27,612,000 | 37,082,000 | 35,026,000 | 34,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,409,000 | 335,007,000 | 327,514,000 | 328,358,000 |
| Interest-bearing deposits | 255,315,000 | 269,953,000 | 263,372,000 | 265,096,000 |
| Noninterest-bearing deposits | 60,094,000 | 65,054,000 | 64,142,000 | 63,262,000 |
| Equity capital | 40,660,000 | 41,170,000 | 41,731,000 | 41,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,369,000 | 6,628,000 | 10,537,000 | 13,868,000 |
| Interest expense | 366,000 | 749,000 | 1,108,000 | 1,434,000 |
| Net interest income | 3,003,000 | 5,879,000 | 9,429,000 | 12,434,000 |
| Noninterest income | 591,000 | 1,076,000 | 1,371,000 | 1,869,000 |
| Noninterest expense | 2,872,000 | 5,754,000 | 9,163,000 | 12,460,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 647,000 | 1,126,000 | 1,562,000 | 1,768,000 |
| Income tax | 139,000 | 222,000 | -92,000 | -75,000 |
| Net income | 508,000 | 904,000 | 1,654,000 | 1,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,229,000 | 36,653,000 | 37,431,000 | 37,650,000 |
| Total capital | 39,227,000 | 39,721,000 | 40,507,000 | 40,726,000 |
| Risk-weighted assets | 240,143,000 | 254,727,000 | 251,572,000 | 248,299,000 |
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