Windsor Federal Savings and Loan Association

Windsor Federal Savings and Loan Association is headquartered in Windsor and is the 26^th largest bank in the state of Connecticut. It is also the 1,674^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 63 employees at 5 locations. Windsor Federal Savings and Loan Association has a 4-star health rating.

Windsor Federal Savings and Loan Association Checking Account Rates

Windsor Federal Savings and Loan Association Savings Account Rates

Windsor Federal Savings and Loan Association Money Market Rates

Windsor Federal Savings and Loan Association CD Rates

Windsor Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Windsor Federal Savings and Loan Association OTS # 03781 FDIC Certificate # 29632 BankRate Report View Year Established 1935 Employees 63 Primary Regulator OCC Assets and Liabilities Assets $397.91 million Loans $223.45 million Deposits $314.30 million Equity Capital $43.12 million Loan Loss Allowance $3.30 million Unbacked Noncurrent Loans $5.80 million Real Estate Owned $318,000 Historic Data - March 2011 Assets $378.22 million Equity Capital $39.24 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $47,000 Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.69% Return on Equity 6.37% Interest Income $3.60 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Windsor Federal Savings and Loan Association had $6.11 million in non-current loans and owned real-estate with $46.42 million in equity and loan loss allowances on hand to cover it. This gives Windsor Federal Savings and Loan Association a Texas Ratio of 13.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Windsor Federal Savings and Loan Association held steady from 8.92% as of March 31, 2011 to 13.17% as of March 31, 2012, resulting in a negative change of 47.64%. This indicates that the balance sheet and financial strength for Windsor Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Windsor Federal Savings and Loan Association has increased its total deposits by $14.06 million, resulting in 4.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Windsor Federal Savings and Loan Association has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Windsor Federal Savings and Loan Association has $397.91 million in assets with $46.42 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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