Call reports 2014
WINDSOR FEDERAL BANK — 2014
What WINDSOR FEDERAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 406,742,000 | 414,226,000 | 399,348,000 | 400,067,000 |
| Total loans | 261,557,000 | 262,994,000 | 267,983,000 | 270,950,000 |
| Allowance for loan losses | 3,336,000 | 3,290,000 | 3,272,000 | 3,152,000 |
| Securities available for sale | 96,484,000 | 107,243,000 | 105,155,000 | 102,148,000 |
| Securities held to maturity | 813,000 | 782,000 | 736,000 | 677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,151,000 | 331,505,000 | 316,679,000 | 313,915,000 |
| Interest-bearing deposits | 265,078,000 | 264,548,000 | 253,970,000 | 253,110,000 |
| Noninterest-bearing deposits | 60,073,000 | 66,957,000 | 62,709,000 | 60,805,000 |
| Equity capital | 46,588,000 | 47,523,000 | 47,954,000 | 49,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,235,000 | 6,472,000 | 9,774,000 | 13,099,000 |
| Interest expense | 295,000 | 572,000 | 844,000 | 1,108,000 |
| Net interest income | 2,940,000 | 5,900,000 | 8,930,000 | 11,991,000 |
| Noninterest income | 498,000 | 1,004,000 | 1,525,000 | 2,411,000 |
| Noninterest expense | 2,733,000 | 5,423,000 | 8,171,000 | 10,924,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 134,000 |
| Pretax income | 800,000 | 1,593,000 | 2,384,000 | 3,453,000 |
| Income tax | 336,000 | 570,000 | 812,000 | 1,150,000 |
| Net income | 464,000 | 1,023,000 | 1,572,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,867,000 | 46,488,000 | 47,104,000 | 47,836,000 |
| Total capital | 49,023,000 | 49,708,000 | 50,409,000 | 51,038,000 |
| Risk-weighted assets | 252,280,000 | 257,467,000 | 264,355,000 | 264,183,000 |