Call reports 2016
WINDSOR FEDERAL BANK — 2016
What WINDSOR FEDERAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 418,965,000 | 441,579,000 | 441,923,000 | 454,732,000 |
| Total loans | 300,866,000 | 313,578,000 | 318,816,000 | 319,499,000 |
| Allowance for loan losses | 3,071,000 | 3,145,000 | 3,150,000 | 3,171,000 |
| Securities available for sale | 84,527,000 | 88,027,000 | 86,359,000 | 94,661,000 |
| Securities held to maturity | 463,000 | 443,000 | 409,000 | 379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,267,000 | 355,849,000 | 356,265,000 | 367,584,000 |
| Interest-bearing deposits | 259,606,000 | 272,446,000 | 268,978,000 | 274,238,000 |
| Noninterest-bearing deposits | 79,661,000 | 83,403,000 | 87,287,000 | 93,346,000 |
| Equity capital | 52,158,000 | 53,250,000 | 53,731,000 | 52,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,508,000 | 7,050,000 | 10,689,000 | 14,334,000 |
| Interest expense | 203,000 | 391,000 | 592,000 | 800,000 |
| Net interest income | 3,305,000 | 6,659,000 | 10,097,000 | 13,534,000 |
| Noninterest income | 498,000 | 1,032,000 | 1,591,000 | 2,147,000 |
| Noninterest expense | 2,905,000 | 5,787,000 | 8,889,000 | 12,048,000 |
| Provision for loan losses | 17,000 | 80,000 | 81,000 | 85,000 |
| Pretax income | 879,000 | 2,016,000 | 2,910,000 | 3,740,000 |
| Income tax | 260,000 | 571,000 | 817,000 | 1,044,000 |
| Net income | 619,000 | 1,445,000 | 2,093,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,979,000 | 51,822,000 | 52,469,000 | 53,072,000 |
| Total capital | 54,098,000 | 55,014,000 | 55,666,000 | 56,291,000 |
| Risk-weighted assets | 305,416,000 | 313,646,000 | 319,662,000 | 325,537,000 |