Call reports 2025
BUFFALO FEDERAL BANK — 2025
What BUFFALO FEDERAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 201,063,000 | 195,743,000 | 195,361,000 | 208,181,000 |
| Total loans | 139,983,000 | 147,731,000 | 147,579,000 | 145,440,000 |
| Allowance for loan losses | 2,606,000 | 2,691,000 | 2,694,000 | 2,686,000 |
| Securities available for sale | 22,967,000 | 23,158,000 | 23,599,000 | 23,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,015,000 | 169,965,000 | 166,225,000 | 177,538,000 |
| Interest-bearing deposits | 148,255,000 | 142,307,000 | 138,918,000 | 147,866,000 |
| Noninterest-bearing deposits | 27,760,000 | 27,658,000 | 27,306,000 | 29,671,000 |
| Equity capital | 15,556,000 | 16,160,000 | 16,608,000 | 17,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,703,000 | 5,562,000 | 8,490,000 | 11,462,000 |
| Interest expense | 931,000 | 1,856,000 | 2,736,000 | 3,671,000 |
| Net interest income | 1,772,000 | 3,706,000 | 5,754,000 | 7,791,000 |
| Noninterest income | 242,000 | 518,000 | 856,000 | 1,156,000 |
| Noninterest expense | 1,482,000 | 2,952,000 | 4,600,000 | 6,152,000 |
| Provision for loan losses | 50,000 | 170,000 | 170,000 | 170,000 |
| Pretax income | 482,000 | 1,102,000 | 1,846,000 | 2,631,000 |
| Income tax | 93,000 | 214,000 | 361,000 | 517,000 |
| Net income | 389,000 | 888,000 | 1,485,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,471,000 | 19,920,000 | 20,017,000 | 20,467,000 |
| Total capital | 22,016,000 | — | — | — |
| Risk-weighted assets | 203,559,000 | — | — | — |