Call reports 2022
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 381,692,000 | 455,358,000 | 437,119,000 | 444,366,000 |
| Total loans | 267,424,000 | 280,419,000 | 290,539,000 | 301,513,000 |
| Allowance for loan losses | 3,111,000 | 2,568,000 | 2,874,000 | 3,000,000 |
| Securities available for sale | 38,613,000 | 39,112,000 | 39,479,000 | 39,455,000 |
| Securities held to maturity | 32,838,000 | 32,388,000 | 50,932,000 | 49,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,342,000 | 407,138,000 | 385,731,000 | 376,853,000 |
| Interest-bearing deposits | 266,501,000 | 317,517,000 | 295,626,000 | 293,145,000 |
| Noninterest-bearing deposits | 64,841,000 | 89,621,000 | 90,105,000 | 83,708,000 |
| Equity capital | 40,634,000 | 39,720,000 | 39,118,000 | 39,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,419,000 | 6,796,000 | 10,786,000 | 14,977,000 |
| Interest expense | 297,000 | 593,000 | 912,000 | 1,531,000 |
| Net interest income | 3,122,000 | 6,203,000 | 9,874,000 | 13,446,000 |
| Noninterest income | 338,000 | 626,000 | 997,000 | 1,307,000 |
| Noninterest expense | 2,980,000 | 6,151,000 | 9,256,000 | 12,399,000 |
| Provision for loan losses | 0 | 0 | 245,000 | 340,000 |
| Pretax income | 480,000 | 678,000 | 1,370,000 | 2,014,000 |
| Income tax | 85,000 | 126,000 | 258,000 | 372,000 |
| Net income | 395,000 | 552,000 | 1,112,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,071,000 | 36,032,000 | 36,630,000 | 37,200,000 |
| Total capital | 41,182,000 | 38,600,000 | 39,504,000 | 40,200,000 |
| Risk-weighted assets | 256,976,000 | 284,404,000 | 297,969,000 | 293,463,000 |