Call reports 2025
WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 469,043,000 | 472,525,000 | 464,682,000 | 464,860,000 |
| Total loans | 328,708,000 | 337,613,000 | 340,268,000 | 338,217,000 |
| Allowance for loan losses | 3,403,000 | 3,442,000 | 3,528,000 | 3,580,000 |
| Securities available for sale | 37,833,000 | 41,476,000 | 38,895,000 | 39,634,000 |
| Securities held to maturity | 39,834,000 | 38,748,000 | 36,592,000 | 35,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,453,000 | 410,449,000 | 397,615,000 | 396,208,000 |
| Interest-bearing deposits | 330,382,000 | 330,913,000 | 315,558,000 | 317,893,000 |
| Noninterest-bearing deposits | 75,071,000 | 79,536,000 | 82,057,000 | 78,315,000 |
| Equity capital | 43,046,000 | 43,892,000 | 44,780,000 | 45,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,361,000 | 10,913,000 | 16,701,000 | 22,230,000 |
| Interest expense | 2,162,000 | 4,281,000 | 6,260,000 | 8,145,000 |
| Net interest income | 3,199,000 | 6,632,000 | 10,441,000 | 14,085,000 |
| Noninterest income | 523,000 | 1,324,000 | 1,952,000 | 2,662,000 |
| Noninterest expense | 3,235,000 | 6,568,000 | 9,976,000 | 13,681,000 |
| Provision for loan losses | 50,000 | 243,000 | 670,000 | 670,000 |
| Pretax income | 414,000 | 1,115,000 | 1,740,000 | 2,389,000 |
| Income tax | 73,000 | 200,000 | 321,000 | 463,000 |
| Net income | 341,000 | 915,000 | 1,419,000 | 1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,043,000 | 40,656,000 | 41,200,000 | 41,747,000 |
| Total capital | 43,478,000 | 44,138,000 | 44,767,000 | 45,366,000 |
| Risk-weighted assets | 326,165,000 | 317,858,000 | 314,046,000 | 309,525,000 |
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