Call reports 2023
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 458,158,000 | 452,073,000 | 453,188,000 | 441,631,000 |
| Total loans | 304,400,000 | 307,519,000 | 312,954,000 | 308,652,000 |
| Allowance for loan losses | 2,929,000 | 3,043,000 | 3,086,000 | 3,104,000 |
| Securities available for sale | 39,408,000 | 35,913,000 | 35,095,000 | 36,583,000 |
| Securities held to maturity | 48,814,000 | 47,786,000 | 47,081,000 | 46,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,546,000 | 388,337,000 | 383,277,000 | 373,436,000 |
| Interest-bearing deposits | 306,161,000 | 316,932,000 | 310,717,000 | 305,297,000 |
| Noninterest-bearing deposits | 79,385,000 | 71,405,000 | 72,560,000 | 68,139,000 |
| Equity capital | 40,179,000 | 40,093,000 | 39,856,000 | 41,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,456,000 | 9,196,000 | 14,029,000 | 18,831,000 |
| Interest expense | 1,125,000 | 2,633,000 | 4,368,000 | 6,311,000 |
| Net interest income | 3,331,000 | 6,563,000 | 9,661,000 | 12,520,000 |
| Noninterest income | 360,000 | 743,000 | 1,089,000 | 1,595,000 |
| Noninterest expense | 3,264,000 | 6,462,000 | 9,718,000 | 12,937,000 |
| Provision for loan losses | 0 | 90,000 | -44,000 | -44,000 |
| Pretax income | 427,000 | 754,000 | 1,081,000 | 1,226,000 |
| Income tax | 77,000 | 125,000 | 176,000 | 191,000 |
| Net income | 350,000 | 629,000 | 905,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,590,000 | 37,909,000 | 38,225,000 | 38,396,000 |
| Total capital | 40,550,000 | 40,983,000 | 41,341,000 | 41,531,000 |
| Risk-weighted assets | 298,059,000 | 297,327,000 | 301,896,000 | 296,800,000 |