Call reports 2019
BUFFALO FEDERAL BANK — 2019
What BUFFALO FEDERAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 127,206,000 | 124,117,000 | 124,193,000 | 123,173,000 |
| Total loans | 85,993,000 | 86,521,000 | 85,666,000 | 84,790,000 |
| Allowance for loan losses | 1,466,000 | 1,462,000 | 1,458,000 | 1,457,000 |
| Securities available for sale | 23,159,000 | 24,350,000 | 23,861,000 | 22,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,075,000 | 104,389,000 | 104,159,000 | 103,156,000 |
| Interest-bearing deposits | 89,313,000 | 87,060,000 | 87,670,000 | 86,595,000 |
| Noninterest-bearing deposits | 16,762,000 | 17,328,000 | 16,489,000 | 16,561,000 |
| Equity capital | 12,712,000 | 13,172,000 | 13,554,000 | 13,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,874,000 | 4,318,000 | 5,759,000 |
| Interest expense | 244,000 | 493,000 | 735,000 | 979,000 |
| Net interest income | 1,172,000 | 2,381,000 | 3,583,000 | 4,780,000 |
| Noninterest income | 250,000 | 582,000 | 1,073,000 | 1,498,000 |
| Noninterest expense | 1,158,000 | 2,323,000 | 3,535,000 | 4,747,000 |
| Provision for loan losses | 43,000 | 46,000 | 44,000 | 43,000 |
| Pretax income | 221,000 | 594,000 | 1,077,000 | 1,488,000 |
| Income tax | 43,000 | 117,000 | 216,000 | 299,000 |
| Net income | 178,000 | 477,000 | 861,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,721,000 | 13,019,000 | 13,404,000 | 13,453,000 |
| Total capital | 13,885,000 | 14,156,000 | 14,539,000 | 14,582,000 |
| Risk-weighted assets | 92,858,000 | 90,676,000 | 90,506,000 | 89,980,000 |