Call reports 2015
BUFFALO FEDERAL BANK — 2015
What BUFFALO FEDERAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 106,248,000 | 107,582,000 | 109,545,000 | 106,394,000 |
| Total loans | 62,531,000 | 66,229,000 | 70,042,000 | 69,555,000 |
| Allowance for loan losses | 1,204,000 | 1,217,000 | 1,206,000 | 1,211,000 |
| Securities available for sale | 31,492,000 | 31,270,000 | 28,381,000 | 27,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,720,000 | 92,380,000 | 94,622,000 | 93,542,000 |
| Interest-bearing deposits | 79,276,000 | 76,284,000 | 78,304,000 | 76,811,000 |
| Noninterest-bearing deposits | 14,444,000 | 16,096,000 | 16,318,000 | 16,731,000 |
| Equity capital | 10,914,000 | 11,010,000 | 11,159,000 | 11,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,197,000 | 3,329,000 | 4,464,000 |
| Interest expense | 61,000 | 126,000 | 182,000 | 239,000 |
| Net interest income | 1,009,000 | 2,071,000 | 3,147,000 | 4,225,000 |
| Noninterest income | 205,000 | 575,000 | 918,000 | 1,373,000 |
| Noninterest expense | 1,137,000 | 2,225,000 | 3,412,000 | 4,542,000 |
| Provision for loan losses | -9,000 | 1,000 | -4,000 | -4,000 |
| Pretax income | 86,000 | 420,000 | 657,000 | 1,060,000 |
| Income tax | 23,000 | 131,000 | 203,000 | 334,000 |
| Net income | 63,000 | 289,000 | 454,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,562,000 | 10,789,000 | 10,841,000 | 10,938,000 |
| Total capital | 11,429,000 | 11,692,000 | 11,779,000 | 11,873,000 |
| Risk-weighted assets | 69,040,000 | 71,991,000 | 74,830,000 | 74,543,000 |