Windsor Federal Savings and Loan Association in Windsor, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Windsor Federal Savings and Loan Association in Windsor, Connecticut (CT)
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Windsor Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29632
    Status: Active
    Federal Reserve ID: 92676
    Date Established: January 01, 1935
    WWW: http://www.windsorfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 3781
    FDIC's unique #: 42466
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 26, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 250 Broad St, Windsor, CT 6095
    County: Hartford
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Hartford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Hartford, CT (#3280)
    Combined Statistical Area (CSA): Hartford-West Hartford-Willimantic, CT (#278)
    Core Based Statistical Area (CBSA): Hartford-West Hartford-East Hartford, CT (#25540)
    CBSA Metro Statistical Area: Hartford-West Hartford-East Hartford, CT (#25540)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $393.3 mil
    Equity capital: $42.4 mil
    Deposits held in domestic offices: $309.8 mil
    Return on assets (ROA): 0.88% ($3.5 mil)
    Quarterly return on assets: 0.84% ($3.3 mil)
    Return on Equity (ROE): 8.32% ($3.5 mil)
    Quarterly return on equity: 7.68% ($3.2 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.35% ($5,309.7 mil)
    Quarterly Pretax return on assets: 1.28% ($5,034.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 63Total employees (full-time equivalent)
  • $393,308Total assets
  • $26,685Cash and due from depository institutions
  • $22,344Interest-bearing balances
  • $122,671Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $225,199Net loans & leases
  • $3,026Loan loss allowance
  • $0Trading account assets
  • $4,625Bank premises and fixed assets
  • $125Other real estate owned
  • $1,627Goodwill and other intangibles
  • $393,308Life insurance assets
  • $12,376All other assets
  • $350,906Total liabilities and capital
  • $309,797Total liabilities
  • $259,500Total deposits
  • $309,797Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 30248.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,801Trading liabilities
  • $0Other borrowed funds
  • $3,060Subordinated debt
  • $42,402All other liabilities
  • $42,402Total equity capital
  • $42,402Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $42,302Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,673Income earned, not collected on loans
  • $917Earning assets
  • $1,273Long-term assets (5+ years)
  • $370,214Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $382,712Volatile liabilities
  • $387,820Insider loans
  • $225,175FHLB advances
  • $390,839Loans and leases held for sale
  • $6,092Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,233Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,553Restructured Loans and leases
  • $2,128Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,630Total interest income
  • $2,672Total interest expense
  • $11,958Net interest income
  • $405Provision for loan and lease losses
  • $2,930Total noninterest income
  • $0Fiduciary activities
  • $1,785Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,145Additional noninterest income
  • $9,399Total noninterest expense
  • $5,173Salaries and employee benefits
  • $2,182Premises and equipment expense
  • $2,044Additional noninterest expense
  • $5,084Pre-tax net operating income
  • $72Securities gains (losses)
  • $1,783Applicable income taxes
  • $3,373Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,373Net income attributable to bank
  • $0Net charge-offs
  • $3,373Cash dividends
  • $374Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 8.32%Return on equity (ROE)
  • 8.32%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 108.29%Credit loss provision to net charge-offs
  • 14.68%Efficiency ratio
  • 61,801Assets per employee
  • 6.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 45.35%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 72.69%Net loans and leases to core deposits
  • 78.13%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 17.42%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $382,712Average earning assets
  • $40,550Average equity
  • $360,095Average loans

List of branches

  • 5 Connecticut Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042466Windsor Federal Savings And Loan Ass250 Broad St, Windsor, CT 6095January 01, 1935Full Service Brick and Mortar
    1276196321 Windsor Ave Branch321 Windsor Avenue, Windsor, CT 6095January 01, 1935Full Service Brick and Mortar
    22761971 Bank Street Branch1 Bank St, Granby, CT 6035January 01, 1935Full Service Brick and Mortar
    4243193Bloomfield Branch48 Jerome Avenue, Bloomfield, CT 6002June 18, 1979Full Service Brick and Mortar
    5495533250 Broad Street250 Broad St, Windsor, CT 6095June 30, 2009Full Service Brick and Mortar

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