Call reports 2004
BANK OF BUFFALO — 2004
What BANK OF BUFFALO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,589,000 | 51,751,000 | 51,484,000 | 50,723,000 |
| Total loans | 32,335,000 | 33,347,000 | 33,329,000 | 33,408,000 |
| Allowance for loan losses | 460,000 | 458,000 | 460,000 | 514,000 |
| Securities available for sale | 17,529,000 | 15,798,000 | 15,692,000 | 15,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,955,000 | 34,941,000 | 35,645,000 | 36,576,000 |
| Interest-bearing deposits | 30,388,000 | 30,765,000 | 31,412,000 | 31,747,000 |
| Noninterest-bearing deposits | 4,567,000 | 4,176,000 | 4,234,000 | 4,830,000 |
| Equity capital | 5,424,000 | 5,220,000 | 5,185,000 | 4,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,506,000 | 2,270,000 | 3,034,000 |
| Interest expense | 208,000 | 413,000 | 631,000 | 858,000 |
| Net interest income | 538,000 | 1,093,000 | 1,639,000 | 2,176,000 |
| Noninterest income | 56,000 | 123,000 | 185,000 | 242,000 |
| Noninterest expense | 193,000 | 411,000 | 616,000 | 942,000 |
| Provision for loan losses | 0 | 0 | 127,000 | 167,000 |
| Pretax income | 401,000 | 805,000 | 1,081,000 | 1,309,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 401,000 | 805,000 | 1,081,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,204,000 | 5,197,000 | 5,049,000 | 4,827,000 |
| Total capital | 5,614,000 | 5,616,000 | 5,474,000 | 5,244,000 |
| Risk-weighted assets | 32,721,000 | 33,521,000 | 33,925,000 | 33,241,000 |