Call reports 2014
BUFFALO FEDERAL BANK — 2014
What BUFFALO FEDERAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 119,450,000 | 119,619,000 | 111,459,000 | 106,917,000 |
| Total loans | 75,363,000 | 74,965,000 | 62,627,000 | 60,955,000 |
| Allowance for loan losses | 1,413,000 | 1,406,000 | 1,215,000 | 1,160,000 |
| Securities available for sale | 32,365,000 | 28,546,000 | 26,400,000 | 28,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,463,000 | 105,539,000 | 96,921,000 | 94,679,000 |
| Interest-bearing deposits | 91,756,000 | 89,408,000 | 81,180,000 | 80,341,000 |
| Noninterest-bearing deposits | 13,707,000 | 16,131,000 | 15,741,000 | 14,338,000 |
| Equity capital | 12,309,000 | 12,465,000 | 12,718,000 | 10,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,445,000 | 3,596,000 | 4,613,000 |
| Interest expense | 91,000 | 182,000 | 255,000 | 322,000 |
| Net interest income | 1,132,000 | 2,263,000 | 3,341,000 | 4,291,000 |
| Noninterest income | 218,000 | 407,000 | 920,000 | 1,236,000 |
| Noninterest expense | 1,429,000 | 2,740,000 | 4,037,000 | 5,220,000 |
| Provision for loan losses | 0 | 0 | -213,000 | -318,000 |
| Pretax income | -79,000 | -70,000 | 392,000 | 580,000 |
| Income tax | -33,000 | -36,000 | 119,000 | 176,000 |
| Net income | -46,000 | -34,000 | 273,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,269,000 | 12,289,000 | 12,623,000 | 10,498,000 |
| Total capital | 13,261,000 | 13,284,000 | 13,487,000 | 11,342,000 |
| Risk-weighted assets | 78,879,000 | 79,154,000 | 68,723,000 | 67,166,000 |