Wallkill Valley Federal Savings and Loan Association

Wallkill Valley Federal Savings and Loan Association is headquartered in Wallkill and is the 147^th largest bank in the state of New York. It is also the 4,143^rd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 21 employees at 2 locations. Wallkill Valley Federal Savings and Loan Association's savings rates are 3X the national average, and it has a 4-star health rating.

Wallkill Valley Federal Savings and Loan Association Checking Account Rates

Wallkill Valley Federal Savings and Loan Association Savings Account Rates

Wallkill Valley Federal Savings and Loan Association Money Market Rates

Wallkill Valley Federal Savings and Loan Association CD Rates

Wallkill Valley Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Wallkill Valley Federal Savings and Loan Association OTS # 02528 FDIC Certificate # 28870 BankRate Report View Year Established 1913 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $134.87 million Loans $110.32 million Deposits $100.68 million Equity Capital $25.11 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $3.47 million Real Estate Owned $2.98 million Historic Data - March 2011 Assets $129.07 million Equity Capital $24.81 million Loan Loss Allowance $970,000 Unbacked Noncurrent Loans $4.52 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4.55% Return on Assets -0.06% Return on Equity -0.32% Interest Income $1.63 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Wallkill Valley Federal Savings and Loan Association had $6.45 million in non-current loans and owned real-estate with $26.62 million in equity and loan loss allowances on hand to cover it. This gives Wallkill Valley Federal Savings and Loan Association a Texas Ratio of 24.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Wallkill Valley Federal Savings and Loan Association held steady from 21.95% as of March 31, 2011 to 24.22% as of March 31, 2012, resulting in a negative change of 10.37%. This indicates that the balance sheet and financial strength for Wallkill Valley Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Wallkill Valley Federal Savings and Loan Association has increased its total deposits by $1.45 million, resulting in 1.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wallkill Valley Federal Savings and Loan Association has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wallkill Valley Federal Savings and Loan Association has $134.87 million in assets with $26.62 million in equity, resulting in a capitalization level of 19.74%, which is excellent.

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