Wvs financial corp (WVFC)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11
Assets
Cash and due from banks

2,293

2,766

2,383

1,849

2,387

2,738

2,782

2,099

2,362

2,616

1,528

1,944

2,484

2,060

2,920

2,042

1,614

2,594

1,575

1,839

2,133

1,927

1,255

1,088

1,210

1,574

1,570

1,603

1,727

1,779

2,162

2,314

3,526

2,043

4,594

662

Interest-earning demand deposits

79

276

4,930

2,530

1,817

890

3,135

342

4,501

5,905

6,104

328

327

326

751

301

290

280

394

1,734

369

334

278

272

248

247

897

324

324

323

400

192

192

192

1,845

1,298

Total cash and cash equivalents

2,372

3,042

7,313

4,379

4,204

3,628

5,917

2,441

6,863

8,521

7,632

2,272

2,811

2,386

3,671

2,343

1,904

2,874

1,969

3,573

2,502

2,261

1,533

1,360

1,458

1,821

2,467

1,927

2,051

2,102

2,562

2,506

3,718

2,235

6,439

1,960

Certificates of deposit

1,592

1,591

2,587

1,843

1,346

1,346

350

350

598

3,624

4,878

10,380

10,383

10,385

7,885

350

350

350

350

350

350

350

350

598

598

598

598

598

348

597

846

846

2,336

2,585

3,331

3,668

Commercial paper (amortized cost of $16,902)

16,902

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Trading Securities

-

-

-

-

-

-

-

-

-

-

-

-

-

920

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities available-for-sale (amortized cost of $147,872 and $132,673)

141,429

138,060

134,750

132,780

134,605

127,514

128,397

128,811

128,725

119,559

117,492

108,449

101,277

106,754

99,345

107,676

102,483

92,803

89,199

66,916

57,966

21,395

26,934

28,387

40,249

55,581

63,716

77,186

83,033

79,133

81,382

57,620

43,423

34,963

22,387

1,064

Investment securities held-to-maturity (fair value of $3,625 and $4,080)

3,495

3,495

3,495

3,995

3,995

3,995

5,052

6,181

6,186

6,639

7,512

8,678

8,681

8,684

8,686

9,523

11,025

11,029

25,123

36,618

34,684

29,101

36,283

22,047

22,991

18,163

22,172

26,420

18,059

48,461

77,880

82,400

129,389

85,219

56,179

88,374

Mortgage-backed securities held-to-maturity (fair value of $100,681 and $108,708)

102,310

103,956

106,316

108,331

109,270

109,922

110,965

115,857

119,747

121,553

125,544

129,321

133,170

123,273

134,407

137,416

147,612

152,038

151,428

162,639

172,586

194,613

207,793

215,335

208,775

193,956

160,532

139,268

122,493

81,516

84,699

79,086

71,807

69,753

72,862

70,568

Net loans receivable (allowance for loan losses of $523 and $548)

90,652

91,340

90,333

90,588

88,846

88,405

85,806

84,675

80,195

81,844

79,329

77,455

74,931

74,146

67,418

64,673

61,583

57,784

52,543

46,163

38,097

35,619

30,956

29,724

31,030

31,470

34,296

31,531

34,078

33,463

38,704

39,433

43,875

45,946

48,026

49,952

Accrued interest receivable

1,045

1,052

1,180

1,219

1,279

1,186

1,240

1,225

1,162

1,137

1,153

1,206

1,210

1,314

1,478

1,508

1,439

1,433

1,387

1,198

1,215

608

923

638

1,188

955

1,464

1,371

1,748

1,648

1,876

1,621

1,634

1,476

1,177

1,189

Federal Home Loan Bank (FHLB) stock, at cost

6,889

6,974

6,627

7,010

7,060

6,987

6,603

7,161

7,370

7,234

6,978

7,062

6,946

6,778

6,615

6,599

6,541

6,471

6,482

6,619

6,274

5,122

6,909

6,440

5,512

6,068

5,211

5,682

5,212

5,969

6,868

7,595

7,994

8,415

8,858

9,324

Other real estate owned (OREO)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

239

239

-

235

417

417

235

Premises and equipment, net

535

474

355

346

355

363

377

392

404

424

433

454

478

496

519

542

566

588

611

630

628

631

641

615

586

587

620

614

636

655

608

583

557

564

582

588

Bank owned life insurance

4,878

4,849

4,819

4,789

4,759

4,729

4,699

4,668

4,636

4,605

4,574

4,541

4,509

4,476

4,443

4,410

4,376

4,343

4,310

4,276

4,241

4,206

4,171

4,136

4,099

4,062

4,026

2,000

-

-

-

-

-

-

-

-

Prepaid FDIC insurance premium

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

55

92

131

-

255

340

402

456

Deferred tax assets, net

1,733

262

364

368

462

785

358

359

346

284

429

437

431

442

438

406

424

563

495

524

508

515

516

512

541

559

696

748

661

733

839

1,047

1,120

1,209

1,263

1,298

Other assets

215

153

434

170

177

122

175

168

209

164

163

1,354

141

81

151

277

160

142

192

210

2,168

268

227

148

180

213

160

231

255

196

220

604

356

385

294

212

TOTAL ASSETS

374,047

355,248

358,573

355,818

356,358

348,982

349,939

352,288

356,441

355,588

356,117

351,609

344,968

340,135

335,056

335,723

338,463

330,418

334,089

329,716

321,219

294,689

317,236

309,940

317,207

314,033

295,958

287,576

268,629

254,804

296,854

273,341

306,699

253,507

222,217

228,888

Liabilities and Stockholders' Equity
Liabilities:
Deposits
Non-interest-bearing accounts

19,013

18,113

31,847

19,770

20,563

22,356

31,853

-

18,525

18,500

25,405

-

21,751

20,190

22,193

-

18,126

19,776

16,512

-

18,796

19,205

18,590

-

15,876

16,629

17,940

-

15,890

15,738

16,333

-

15,386

16,632

23,209

-

Interest-earning checking accounts

22,725

22,726

21,801

23,541

24,512

23,692

23,377

-

24,181

23,645

22,667

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NOW accounts

-

-

-

-

-

-

-

-

-

-

-

-

22,125

23,668

21,786

-

21,974

22,628

20,205

-

21,707

21,890

20,946

-

21,940

21,539

20,930

-

20,965

21,063

20,653

-

20,548

19,893

18,263

-

Savings accounts

43,319

42,719

42,478

43,740

44,113

43,982

43,782

-

44,331

44,670

44,370

-

46,119

45,696

46,107

-

45,955

44,824

44,686

-

44,036

43,649

43,756

-

43,578

42,539

41,808

-

40,148

39,727

39,190

-

39,442

38,401

38,073

-

Money market accounts

19,769

20,238

20,496

19,958

20,114

19,040

20,296

-

21,340

21,975

22,403

-

22,675

22,716

23,433

-

24,375

23,752

24,183

-

24,594

23,053

24,748

-

24,438

23,142

24,431

-

24,041

23,798

24,645

-

23,115

22,819

23,640

-

Certificates of deposit

46,849

41,888

42,020

37,361

34,924

32,625

32,677

-

30,737

33,689

34,390

-

31,223

29,934

28,956

-

28,848

29,558

30,059

-

32,027

33,016

33,644

-

35,890

37,013

38,092

-

39,012

39,345

40,640

-

-

-

-

-

Advance payments by borrowers for taxes and insurance

1,780

1,447

982

2,065

1,706

1,550

847

-

1,491

1,370

809

-

1,241

1,230

562

-

868

918

853

-

578

724

278

-

417

424

251

-

529

395

213

-

-

-

-

-

Certificates of deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42,142

42,554

43,286

-

Advance payments by borrowers for taxes and insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

584

453

224

-

Total deposits

153,455

147,131

159,624

146,435

145,932

143,245

152,832

-

140,605

143,849

150,044

-

145,134

143,434

143,037

-

140,146

141,456

136,498

-

141,738

141,537

141,962

-

142,139

141,286

143,452

-

140,585

140,066

141,674

-

141,217

140,752

146,695

-

Deposits

-

-

-

-

-

-

-

145,023

-

-

-

145,289

-

-

-

141,278

-

-

-

138,928

-

-

-

141,859

-

-

-

140,524

-

-

-

142,173

-

-

-

143,766

Federal Home Loan Bank advances: short-term

60,802

68,030

59,554

70,828

71,922

70,067

160,484

171,403

179,791

176,405

170,001

155,799

148,555

146,074

141,638

144,027

39,645

35,133

38,392

37,830

28,424

2,400

24,753

23,626

-

-

-

96,712

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances: long-term - fixed rate

15,000

15,000

15,000

15,000

15,000

15,000

0

-

0

0

-

10,000

-

-

-

10,000

-

-

-

12,500

-

-

117,805

12,500

17,500

17,500

17,500

17,500

17,500

17,500

17,500

17,500

17,500

17,500

17,500

22,500

Federal Home Loan Bank advances: long-term - fixed rate

-

-

-

-

-

-

-

-

-

-

0

-

10,000

10,000

10,000

-

12,500

12,500

-12,500

-

-12,500

-12,500

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances: long-term - variable rate

85,000

85,000

85,000

85,000

85,000

85,000

0

-

0

0

0

-

6,109

6,109

6,109

-

105,305

105,305

105,305

-

105,305

105,305

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances: long-term - variable rate

-

-

-

-

-

-

-

-

-

-

-

6,109

-

-

-

6,109

-

-

-

105,305

-

-

-

99,196

-

-

-

-

-

-

-

-

-

-

-

-

Total Federal Home Loan Bank advances

-

-

-

-

-

-

-

171,403

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances: short-term

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

108,453

122,054

102,070

-

77,735

64,716

105,438

79,270

106,795

64,752

27,890

32,059

Other short-term borrowings

24,800

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,000

-

7,950

-

-

-

-

-

15,692

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable

661

788

797

823

799

786

391

380

317

246

165

247

198

166

181

189

180

168

164

156

155

160

168

170

201

223

212

210

211

231

258

257

259

277

300

322

Other liabilities

2,057

1,786

1,960

1,683

2,409

1,497

1,527

1,465

1,558

1,223

2,362

1,122

1,278

1,028

1,079

1,035

924

3,527

969

2,954

1,017

958

772

801

724

680

655

802

835

733

875

3,728

10,934

828

749

1,363

TOTAL LIABILITIES

341,775

317,735

321,935

319,769

321,062

315,595

315,234

318,271

322,271

321,723

322,572

318,566

311,274

306,811

302,044

302,638

305,700

298,089

301,778

297,673

289,139

262,860

285,460

278,152

284,709

281,743

263,889

255,748

236,866

223,246

265,745

242,928

276,705

224,109

193,134

200,010

Stockholders' equity:
Preferred stock: 5,000,000 shares, no par value per share, authorized; none issued

-

-

-

-

-

-

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Common stock: 10,000,000 shares, $.01 par value per share, authorized; 3,805,636 shares issued

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

38

Additional paid-in capital

21,575

21,568

21,560

21,550

21,545

21,530

21,525

21,516

21,507

21,500

21,493

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,485

21,483

21,478

21,474

21,469

21,464

21,458

21,453

21,448

21,443

21,437

Treasury stock: 1,886,796 and 1,862,520 shares at cost, respectively

28,616

28,382

28,382

28,269

28,258

28,258

27,918

27,886

27,264

27,264

27,264

27,264

27,264

27,264

27,264

26,905

26,905

26,905

26,905

26,886

26,772

26,772

26,772

26,700

26,690

26,690

26,690

26,690

26,690

26,690

26,690

26,690

26,690

26,690

26,690

26,690

Retained earnings, substantially restricted

46,420

45,973

45,423

44,807

44,511

43,941

43,400

42,795

42,465

42,000

41,717

41,344

41,127

40,821

40,506

40,189

39,960

39,713

39,583

39,353

39,113

38,735

38,552

38,335

38,138

38,022

37,872

37,744

37,595

37,538

37,296

36,992

36,669

36,369

36,248

35,920

Accumulated other comprehensive (loss) income

-5,149

347

63

15

-390

-1,685

-121

-188

-256

-93

-95

-188

-229

-285

-269

-238

-317

-541

-417

-461

-406

-459

-421

-420

-473

-565

-634

-742

-654

-797

-999

-1,385

-1,476

-1,767

-1,956

-1,827

Unallocated Employee Stock Ownership Plan ("ESOP") shares

1,996

2,031

2,064

2,092

2,150

2,179

2,219

2,258

2,320

2,316

2,344

2,372

1,463

1,471

1,484

1,484

1,498

1,461

1,473

1,486

1,378

1,198

1,106

950

-

-

-

0

-

-

-

-

-

-

-

-

TOTAL STOCKHOLDERS' EQUITY

32,272

37,513

36,638

36,049

35,296

33,387

34,705

34,017

34,170

33,865

33,545

33,043

33,694

33,324

33,012

33,085

32,763

32,329

32,311

32,043

32,080

31,829

31,776

31,788

32,498

32,290

32,069

31,828

31,763

31,558

31,109

30,413

29,994

29,398

29,083

28,878

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

374,047

355,248

358,573

355,818

356,358

348,982

349,939

352,288

356,441

355,588

356,117

351,609

344,968

340,135

335,056

335,723

338,463

330,418

334,089

329,716

321,219

294,689

317,236

309,940

317,207

314,033

295,958

287,576

268,629

254,804

296,854

273,341

306,699

253,507

222,217

228,888