Call reports 2024
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2024
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 445,073,000 | 451,442,000 | 469,668,000 | 462,322,000 |
| Total loans | 310,055,000 | 317,466,000 | 325,280,000 | 328,537,000 |
| Allowance for loan losses | 3,085,000 | 3,087,000 | 3,219,000 | 3,320,000 |
| Securities available for sale | 36,419,000 | 36,154,000 | 35,201,000 | 37,443,000 |
| Securities held to maturity | 45,116,000 | 44,094,000 | 41,952,000 | 40,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,850,000 | 385,628,000 | 404,149,000 | 398,289,000 |
| Interest-bearing deposits | 311,867,000 | 314,569,000 | 331,952,000 | 329,564,000 |
| Noninterest-bearing deposits | 67,983,000 | 71,059,000 | 72,197,000 | 68,725,000 |
| Equity capital | 41,072,000 | 41,278,000 | 42,703,000 | 42,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,819,000 | 9,817,000 | 15,107,000 | 20,469,000 |
| Interest expense | 2,018,000 | 4,031,000 | 6,063,000 | 8,316,000 |
| Net interest income | 2,801,000 | 5,786,000 | 9,044,000 | 12,153,000 |
| Noninterest income | 436,000 | 958,000 | 1,528,000 | 2,052,000 |
| Noninterest expense | 3,081,000 | 6,155,000 | 9,280,000 | 12,667,000 |
| Provision for loan losses | -26,000 | -26,000 | 104,000 | 205,000 |
| Pretax income | 182,000 | 615,000 | 1,187,000 | 1,332,000 |
| Income tax | 28,000 | 102,000 | 203,000 | 224,000 |
| Net income | 154,000 | 513,000 | 984,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,589,000 | 38,986,000 | 39,497,000 | 39,663,000 |
| Total capital | 41,705,000 | 42,104,000 | 42,747,000 | 43,015,000 |
| Risk-weighted assets | 299,028,000 | 303,954,000 | 313,111,000 | 313,705,000 |