Call reports 2005
BANK OF BUFFALO — 2005
What BANK OF BUFFALO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,211,000 | 51,473,000 | 53,023,000 | 53,203,000 |
| Total loans | 33,782,000 | 34,359,000 | 35,463,000 | 36,072,000 |
| Allowance for loan losses | 511,000 | 513,000 | 522,000 | 603,000 |
| Securities available for sale | 15,185,000 | 15,182,000 | 15,628,000 | 15,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,669,000 | 36,338,000 | 38,116,000 | 38,242,000 |
| Interest-bearing deposits | 31,740,000 | 31,939,000 | 32,871,000 | 33,265,000 |
| Noninterest-bearing deposits | 4,928,000 | 4,399,000 | 5,245,000 | 4,978,000 |
| Equity capital | 5,115,000 | 5,059,000 | 5,037,000 | 4,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 749,000 | 1,533,000 | 2,326,000 | 3,167,000 |
| Interest expense | 242,000 | 516,000 | 825,000 | 1,164,000 |
| Net interest income | 507,000 | 1,017,000 | 1,501,000 | 2,003,000 |
| Noninterest income | 58,000 | 119,000 | 178,000 | 240,000 |
| Noninterest expense | 166,000 | 382,000 | 587,000 | 811,000 |
| Provision for loan losses | 0 | 0 | 0 | 85,000 |
| Pretax income | 399,000 | 754,000 | 1,098,000 | 1,353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 754,000 | 1,098,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,104,000 | 5,047,000 | 5,056,000 | 4,856,000 |
| Total capital | 5,531,000 | 5,478,000 | 5,505,000 | 5,310,000 |
| Risk-weighted assets | 34,037,000 | 34,391,000 | 35,838,000 | 36,203,000 |