Wallkill Valley Federal Savings and Loan Association in Wallkill, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Wallkill Valley Federal Savings and Loan Association in Wallkill, New York (NY)
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Wallkill Valley Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28870
    Status: Active
    Federal Reserve ID: 7072
    Date Established: January 01, 1913
    WWW: http://www.wallkill.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 2528
    FDIC's unique #: 41704
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 18, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 23 Wallkill Avenue, Wallkill, NY 12589
    County: Ulster
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): Kingston, NY (#28740)
    CBSA Metro Statistical Area: Kingston, NY (#28740)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $134.4 mil
    Equity capital: $25.2 mil
    Deposits held in domestic offices: $100.2 mil
    Return on assets (ROA): 0.36% ($0.5 mil)
    Quarterly return on assets: -0.19% (-$0.3 mil)
    Return on Equity (ROE): 1.89% ($0.5 mil)
    Quarterly return on equity: -1.02% (-$0.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.51% ($685.3 mil)
    Quarterly Pretax return on assets: -0.39% (-$524.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $134,378Total assets
  • $2,760Cash and due from depository institutions
  • $923Interest-bearing balances
  • $9,938Securities
  • $380Federal funds sold & reverse repurchase agreements
  • $108,195Net loans & leases
  • $1,118Loan loss allowance
  • $0Trading account assets
  • $3,456Bank premises and fixed assets
  • $3,265Other real estate owned
  • $533Goodwill and other intangibles
  • $134,378Life insurance assets
  • $5,851All other assets
  • $109,227Total liabilities and capital
  • $100,238Total liabilities
  • $97,940Total deposits
  • $100,238Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $2,989Subordinated debt
  • $25,151All other liabilities
  • $25,151Total equity capital
  • $25,151Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $25,151Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,610Income earned, not collected on loans
  • $0Earning assets
  • $523Long-term assets (5+ years)
  • $119,436Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $130,348Volatile liabilities
  • $134,223Insider loans
  • $85,180FHLB advances
  • $133,959Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,732Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,361Restructured Loans and leases
  • $1,128Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,302Total interest income
  • $1,254Total interest expense
  • $5,048Net interest income
  • $855Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $67Service charges on deposit accounts
  • $0Trading account gains & fees
  • $100Additional noninterest income
  • $3,664Total noninterest expense
  • $1,917Salaries and employee benefits
  • $556Premises and equipment expense
  • $1,191Additional noninterest expense
  • $696Pre-tax net operating income
  • -$27Securities gains (losses)
  • $197Applicable income taxes
  • $472Income before extraordinary items
  • $0Extraordinary gains - net
  • $472Net income attributable to bank
  • $0Net charge-offs
  • $472Cash dividends
  • $1,271Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 1.89%Return on equity (ROE)
  • 1.89%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 67.27%Credit loss provision to net charge-offs
  • 1.22%Efficiency ratio
  • 68,437Assets per employee
  • 7.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 30.97%Noncurrent assets plus other real estate owned to assets
  • 5.12%Noncurrent loans to loans
  • 3.30%Net loans and leases to deposits
  • 107.94%Net loans and leases to core deposits
  • 112.69%Equity capital to assets
  • 18.72%Core capital (leverage) ratio
  • 18.46%Tier 1 risk-based capital ratio
  • 29.03%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $130,348Average earning assets
  • $24,983Average equity
  • $117,600Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041704Wallkill Valley Federal Savings And23 Wallkill Avenue, Wallkill, NY 12589January 01, 1913Full Service Brick and Mortar
    1522123Milton Branch1880 Route 9w, Milton, NY 12547Febuary 28, 2011Full Service Brick and Mortar

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