Call reports 2012
BUFFALO FEDERAL BANK — 2012
What BUFFALO FEDERAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 141,369,000 | 138,384,000 | 136,119,000 | 135,868,000 |
| Total loans | 91,872,000 | 89,944,000 | 84,645,000 | 80,063,000 |
| Allowance for loan losses | 1,665,000 | 1,622,000 | 1,518,000 | 1,488,000 |
| Securities available for sale | 25,762,000 | 25,836,000 | 26,823,000 | 21,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,853,000 | 123,195,000 | 120,963,000 | 120,671,000 |
| Interest-bearing deposits | 114,162,000 | 111,899,000 | 108,694,000 | 106,150,000 |
| Noninterest-bearing deposits | 12,690,000 | 11,295,000 | 12,269,000 | 14,521,000 |
| Equity capital | 13,329,000 | 13,508,000 | 13,359,000 | 13,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,696,000 | 3,426,000 | 5,066,000 | 6,566,000 |
| Interest expense | 268,000 | 524,000 | 737,000 | 921,000 |
| Net interest income | 1,428,000 | 2,902,000 | 4,329,000 | 5,645,000 |
| Noninterest income | 274,000 | 565,000 | 705,000 | 1,159,000 |
| Noninterest expense | 1,552,000 | 3,149,000 | 4,882,000 | 6,395,000 |
| Provision for loan losses | 193,000 | 258,000 | 378,000 | 443,000 |
| Pretax income | -43,000 | 60,000 | -226,000 | -34,000 |
| Income tax | -20,000 | 8,000 | -90,000 | -30,000 |
| Net income | -23,000 | 52,000 | -136,000 | -4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,841,000 | 12,921,000 | 12,777,000 | 12,910,000 |
| Total capital | 14,010,000 | 14,059,000 | 13,855,000 | 13,942,000 |
| Risk-weighted assets | 93,056,000 | 90,548,000 | 85,823,000 | 82,098,000 |