Call reports 2015
WINDSOR FEDERAL BANK — 2015
What WINDSOR FEDERAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 409,653,000 | 414,104,000 | 412,904,000 | 418,166,000 |
| Total loans | 270,844,000 | 279,722,000 | 287,352,000 | 295,325,000 |
| Allowance for loan losses | 3,073,000 | 3,085,000 | 3,085,000 | 3,042,000 |
| Securities available for sale | 100,786,000 | 96,042,000 | 92,094,000 | 88,030,000 |
| Securities held to maturity | 643,000 | 608,000 | 571,000 | 529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,088,000 | 329,303,000 | 328,597,000 | 338,369,000 |
| Interest-bearing deposits | 255,685,000 | 256,898,000 | 256,320,000 | 260,458,000 |
| Noninterest-bearing deposits | 66,403,000 | 72,405,000 | 72,277,000 | 77,911,000 |
| Equity capital | 49,907,000 | 49,864,000 | 50,972,000 | 51,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,432,000 | 6,727,000 | 10,123,000 | 13,586,000 |
| Interest expense | 247,000 | 482,000 | 705,000 | 919,000 |
| Net interest income | 3,185,000 | 6,245,000 | 9,418,000 | 12,667,000 |
| Noninterest income | 452,000 | 958,000 | 1,552,000 | 2,125,000 |
| Noninterest expense | 2,872,000 | 5,692,000 | 8,448,000 | 11,296,000 |
| Provision for loan losses | 27,000 | 31,000 | 29,000 | 32,000 |
| Pretax income | 738,000 | 1,480,000 | 2,493,000 | 3,464,000 |
| Income tax | 221,000 | 385,000 | 679,000 | 957,000 |
| Net income | 517,000 | 1,095,000 | 1,814,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,354,000 | 48,948,000 | 49,666,000 | 50,360,000 |
| Total capital | 51,477,000 | 52,087,000 | 52,798,000 | 53,449,000 |
| Risk-weighted assets | 277,231,000 | 288,642,000 | 295,820,000 | 299,143,000 |