Call reports 2013
BUFFALO FEDERAL BANK — 2013
What BUFFALO FEDERAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 134,558,000 | 132,607,000 | 126,081,000 | 121,194,000 |
| Total loans | 78,815,000 | 73,542,000 | 73,032,000 | 74,014,000 |
| Allowance for loan losses | 1,462,000 | 1,466,000 | 1,373,000 | 1,386,000 |
| Securities available for sale | 24,509,000 | 23,849,000 | 29,718,000 | 35,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,320,000 | 117,837,000 | 111,085,000 | 106,319,000 |
| Interest-bearing deposits | 105,074,000 | 102,628,000 | 95,903,000 | 92,320,000 |
| Noninterest-bearing deposits | 14,246,000 | 15,209,000 | 15,182,000 | 14,000,000 |
| Equity capital | 13,445,000 | 13,121,000 | 13,283,000 | 13,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,600,000 | 3,870,000 | 5,163,000 |
| Interest expense | 165,000 | 321,000 | 431,000 | 531,000 |
| Net interest income | 1,145,000 | 2,279,000 | 3,439,000 | 4,632,000 |
| Noninterest income | 438,000 | 840,000 | 1,231,000 | 1,600,000 |
| Noninterest expense | 1,568,000 | 3,023,000 | 4,428,000 | 5,767,000 |
| Provision for loan losses | 11,000 | 6,000 | -94,000 | -92,000 |
| Pretax income | 4,000 | 90,000 | 336,000 | 557,000 |
| Income tax | -30,000 | -8,000 | 71,000 | 141,000 |
| Net income | 34,000 | 98,000 | 265,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,929,000 | 12,982,000 | 13,147,000 | 13,315,000 |
| Total capital | 13,971,000 | 13,989,000 | 14,125,000 | 14,301,000 |
| Risk-weighted assets | 82,919,000 | 80,200,000 | 77,809,000 | 78,413,000 |