Call reports 2016
BUFFALO FEDERAL BANK — 2016
What BUFFALO FEDERAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 105,199,000 | 105,910,000 | 108,683,000 | 105,957,000 |
| Total loans | 69,890,000 | 71,920,000 | 72,472,000 | 71,777,000 |
| Allowance for loan losses | 1,239,000 | 1,290,000 | 1,346,000 | 1,350,000 |
| Securities available for sale | 27,265,000 | 23,179,000 | 23,089,000 | 22,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,135,000 | 89,705,000 | 94,712,000 | 92,878,000 |
| Interest-bearing deposits | 76,400,000 | 75,382,000 | 80,641,000 | 77,557,000 |
| Noninterest-bearing deposits | 13,735,000 | 14,322,000 | 14,071,000 | 15,322,000 |
| Equity capital | 11,379,000 | 11,531,000 | 11,684,000 | 11,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,214,000 | 3,396,000 | 4,518,000 |
| Interest expense | 52,000 | 111,000 | 174,000 | 243,000 |
| Net interest income | 1,050,000 | 2,103,000 | 3,222,000 | 4,275,000 |
| Noninterest income | 298,000 | 810,000 | 1,281,000 | 1,618,000 |
| Noninterest expense | 1,166,000 | 2,500,000 | 3,701,000 | 4,828,000 |
| Provision for loan losses | 21,000 | 67,000 | 70,000 | 118,000 |
| Pretax income | 164,000 | 379,000 | 765,000 | 980,000 |
| Income tax | 50,000 | 117,000 | 243,000 | 311,000 |
| Net income | 114,000 | 262,000 | 522,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,060,000 | 11,211,000 | 11,407,000 | 11,340,000 |
| Total capital | 12,010,000 | 12,177,000 | 12,394,000 | 12,309,000 |
| Risk-weighted assets | 75,706,000 | 76,999,000 | 78,635,000 | 77,189,000 |