Call reports 2002
BANK OF BUFFALO — 2002
What BANK OF BUFFALO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,926,000 | 41,129,000 | 40,116,000 | 39,509,000 |
| Total loans | 25,114,000 | 24,702,000 | 24,182,000 | 22,473,000 |
| Allowance for loan losses | 441,000 | 455,000 | 492,000 | 806,000 |
| Securities available for sale | 12,864,000 | 12,842,000 | 11,751,000 | 10,693,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,274,000 | 37,614,000 | 36,331,000 | 36,191,000 |
| Interest-bearing deposits | 37,450,000 | 35,005,000 | 33,400,000 | 33,052,000 |
| Noninterest-bearing deposits | 2,824,000 | 2,609,000 | 2,931,000 | 3,139,000 |
| Equity capital | 2,467,000 | 2,259,000 | 2,622,000 | 2,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,273,000 | 1,849,000 | 2,336,000 |
| Interest expense | 358,000 | 672,000 | 930,000 | 1,147,000 |
| Net interest income | 297,000 | 601,000 | 919,000 | 1,189,000 |
| Noninterest income | 55,000 | 114,000 | 180,000 | 231,000 |
| Noninterest expense | 284,000 | 536,000 | 839,000 | 1,110,000 |
| Provision for loan losses | 50,000 | 538,000 | 573,000 | 843,000 |
| Pretax income | 18,000 | -359,000 | -305,000 | -525,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 16,000 | -363,000 | -311,000 | -533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,496,000 | 2,117,000 | 2,169,000 | 1,947,000 |
| Total capital | 2,858,000 | 2,478,000 | 2,516,000 | 2,277,000 |
| Risk-weighted assets | 29,290,000 | 28,746,000 | 27,647,000 | 25,957,000 |