September 30, 2014 - Windsor Federal Savings

Windsor Federal
DIRECTORS
Robert A. Verrengia, Chairman
Gaye C. Rizzo, Secretary
Frank W. Carmon, IV
Steven C. Erickson
Mark E. Griffin
George W. Hermann
Beverly N. Paganelli
Brian E. Quagan
Michael D. Rabbett
SAVINGS
Windsor 
250 Broad Street
Windsor, Connecticut 06095
860-688-8511
OFFICERS
George W. Hermann, President and
Chief Executive Officer
Wilson 
321 Windsor Avenue
Windsor, Connecticut 06095
860-251-6172
Mary-Lynn Kinney, Executive Vice President
Chief Financial Officer and Treasurer
North Central Square 
695 Poquonock Avenue
Windsor, Connecticut 06095
860-298-6169
Raymond G. Halsted, Senior Vice President
Senior Lending Officer
Jeffrey P. Karam, Senior Vice President
Director of Operations, Technology and Security
Granby 
21 Hartford Avenue
Granby,Connecticut 06035
860-653-4548
Janice H. Kelley, Senior Vice President
Director of Human Resources
David L. Oliver, Senior Vice President, Retail Banking
Dale A. Leifert, Vice President Deposit Operations
Lori A. LePauloue, Vice President
Residential and Consumer Lending
Michael B. Paparella, Vice President
Commercial Lending / Business Development
Anthony J. Roncaioli, Vice President
Commercial Lending / Business Development
Bloomfield 
54 Jerome Avenue
Bloomfield, Connecticut 06002
860-242-6062
Mark Labbe, Vice President, Loan Servicing
Windsor High School 
50 Sage Park Road
Windsor, Connecticut 06095
Bloomfield High School 
5 Huckleberry Lane
Bloomfield, Connecticut 06002
Loan Center
270 Broad Street
Windsor, Connecticut 06095
860-688-8511
Winston A. Blake, Assistant Vice President
Credit Analysis Manager
Diane L. Crosby, Assistant Vice President, Controller
Harold L. Harper, Assistant Vice President, Bloomfield
James M. Matejek, Assistant Vice President, Granby
Nancy Tollefson, Assistant Vice President, Granby
David DiPiero, Assistant Vice President, Compliance Officer
Robin D. Myers, Branch Officer, North Central Square
Zandra M. Persaud, Branch Officer, Wilson
Marianne Schulze, Assistant Secretary
Executive Assistant to the President
Robin Stanwick, Marketing Officer
September 30, 2014
East Windsor 
1 Shoham Road
East Windsor, Connecticut 06088
860-627-0805
Daniel J. Rys, Vice President
Commercial Lending / Business Development
Mark Walker, Vice President, Main Office
Community Engagement Coordinator
Statement
of
Condition
 Automated Teller Machine location
www.WindsorFederal.com
24-Hour Telephone Banking 1-888-226-5280
Members of:
Federal Deposit Insurance Corporation
American Bankers Association
Federal Home Loan Bank of Boston
Connecticut Bankers Association
Connecticut Community Bankers Association
WFS 010/2014
MEMBER FDIC
EQUAL HOUSING LENDER
Windsor Federal, MHC
Windsor Federal Savings
Neighbors Helping Neighbors
Since 1936!
Total Liabilities and Equity
Total Equity
Accumulated Other Comprehensive (Expense) Income
Equity:
Retained Earnings
46,687,376
$ 406,620,050
$ 399,148,898
359,932,674
351,095,368
Total Liabilities
48,053,530
3,008,522
2,594,321
Other Liabilities
11,514
325,042,295
27,985,136
3,896,721
316,498,921
28,084,239
3,917,887
Total Deposits
Customer Repurchase Agreements
Federal Home Loan Bank Advances
270,119
264,259,028
253,412,779
Interest-Bearing
46,675,862
$ 60,783,267
$ 63,086,142
LIABILITIES AND EQUITY
Deposits:
Noninterest-Bearing
47,783,411
$ 406,620,050
$ 399,148,898
Total Assets
Other Assets
330,517
2,311,104
812,726
1,517,000
70,000
258,132,750
9,174,071
6,093,976
837,296
1,111,820
1,150,948
490,000
96,447,828
28,140,014
5,459,217
150,016
22,494,539
36,242
104,750
$
March 2014
1,903,678
Other Real Estate Owned
735,946
1,517,000
301,850
264,329,439
9,315,015
5,910,963
738,616
1,118,045
1,017,728
Investments in Held-To-Maturity Securities (fair values of
$745,459 as of September 30, 2014 and $824,003 as of March 31, 2014)
Federal Home Loan Bank Stock, at Cost
Loans Held-For-Sale
Loans, Net
Bank Owned Life Insurance
Premises and Equipment
Core Deposit Intangible and Goodwill
Accrued Interest Receivable
Deferred Income Tax Asset, Net
5,796,121
4,882,959
150,009
726,909
36,244
1,241,000
105,118,747
$
September 2014
Interest-Bearing Time Deposits
Investments in Available-For-Sale Securities (at fair value)
Cash and Cash Equivalents
Money Market Mutual Funds
Cash and Due From Banks
Federal Home Loan Bank Overnight Deposits
Interest-Bearing Demand Deposits with Other Banks
ASSETS
Windsor Federal, MHC and Subsidiaries
Consolidated Balance Sheets
September 30, 2014 and March 31, 2014