Call reports 2003
BANK OF BUFFALO — 2003
What BANK OF BUFFALO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,939,000 | 48,173,000 | 48,561,000 | 48,446,000 |
| Total loans | 29,854,000 | 30,324,000 | 30,102,000 | 30,629,000 |
| Allowance for loan losses | 404,000 | 404,000 | 439,000 | 460,000 |
| Securities available for sale | 14,801,000 | 15,247,000 | 16,095,000 | 16,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,778,000 | 35,352,000 | 33,857,000 | 33,992,000 |
| Interest-bearing deposits | 30,585,000 | 30,858,000 | 30,012,000 | 30,212,000 |
| Noninterest-bearing deposits | 4,194,000 | 4,494,000 | 3,846,000 | 3,780,000 |
| Equity capital | 5,307,000 | 5,074,000 | 5,198,000 | 4,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,487,000 | 2,231,000 | 2,973,000 |
| Interest expense | 265,000 | 516,000 | 749,000 | 971,000 |
| Net interest income | 483,000 | 971,000 | 1,482,000 | 2,002,000 |
| Noninterest income | 57,000 | 110,000 | 168,000 | 226,000 |
| Noninterest expense | 163,000 | 329,000 | 520,000 | 850,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 66,000 |
| Pretax income | 377,000 | 752,000 | 1,080,000 | 1,318,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 377,000 | 752,000 | 1,080,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,098,000 | 4,808,000 | 5,018,000 | 4,800,000 |
| Total capital | 5,456,000 | 5,180,000 | 5,401,000 | 5,189,000 |
| Risk-weighted assets | 28,567,000 | 29,695,000 | 30,553,000 | 31,083,000 |