Call reports 2019
WINDSOR FEDERAL BANK — 2019
What WINDSOR FEDERAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 518,555,000 | 515,337,000 | 531,498,000 | 543,344,000 |
| Total loans | 394,552,000 | 393,555,000 | 396,681,000 | 406,829,000 |
| Allowance for loan losses | 3,107,000 | 3,106,000 | 3,190,000 | 3,261,000 |
| Securities available for sale | 94,278,000 | 92,118,000 | 86,402,000 | 85,856,000 |
| Securities held to maturity | 207,000 | 193,000 | 182,000 | 163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,782,000 | 433,506,000 | 455,158,000 | 465,695,000 |
| Interest-bearing deposits | 316,472,000 | 328,704,000 | 337,744,000 | 336,513,000 |
| Noninterest-bearing deposits | 102,310,000 | 104,802,000 | 117,414,000 | 129,182,000 |
| Equity capital | 59,691,000 | 61,913,000 | 63,132,000 | 63,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,830,000 | 9,658,000 | 14,557,000 | 19,425,000 |
| Interest expense | 737,000 | 1,411,000 | 2,062,000 | 2,705,000 |
| Net interest income | 4,093,000 | 8,247,000 | 12,495,000 | 16,720,000 |
| Noninterest income | 552,000 | 1,131,000 | 1,729,000 | 2,295,000 |
| Noninterest expense | 3,519,000 | 7,056,000 | 10,512,000 | 14,273,000 |
| Provision for loan losses | 5,000 | 11,000 | 100,000 | 176,000 |
| Pretax income | 1,121,000 | 2,311,000 | 3,612,000 | 4,566,000 |
| Income tax | 201,000 | 415,000 | 661,000 | 825,000 |
| Net income | 920,000 | 1,896,000 | 2,951,000 | 3,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,098,000 | 61,084,000 | 62,139,000 | 62,929,000 |
| Total capital | 63,232,000 | 64,218,000 | 65,356,000 | 66,215,000 |
| Risk-weighted assets | 399,952,000 | 406,538,000 | 409,699,000 | 418,845,000 |