Call reports 2006
BANK OF BUFFALO — 2006
What BANK OF BUFFALO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,026,000 | 55,907,000 | 56,080,000 | 56,036,000 |
| Total loans | 35,957,000 | 37,458,000 | 37,921,000 | 37,530,000 |
| Allowance for loan losses | 599,000 | 597,000 | 597,000 | 465,000 |
| Securities available for sale | 15,835,000 | 16,078,000 | 15,981,000 | 15,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,392,000 | 40,791,000 | 41,453,000 | 41,611,000 |
| Interest-bearing deposits | 34,754,000 | 35,198,000 | 35,769,000 | 36,482,000 |
| Noninterest-bearing deposits | 5,639,000 | 5,594,000 | 5,684,000 | 5,130,000 |
| Equity capital | 4,845,000 | 4,867,000 | 4,926,000 | 5,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,702,000 | 2,604,000 | 3,515,000 |
| Interest expense | 373,000 | 800,000 | 1,239,000 | 1,793,000 |
| Net interest income | 460,000 | 902,000 | 1,365,000 | 1,722,000 |
| Noninterest income | 59,000 | 127,000 | 187,000 | 244,000 |
| Noninterest expense | 227,000 | 433,000 | 661,000 | 909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 596,000 | 891,000 | 1,057,000 |
| Income tax | 0 | 3,000 | 10,000 | 10,000 |
| Net income | 292,000 | 593,000 | 881,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,020,000 | 5,119,000 | 5,034,000 | 5,103,000 |
| Total capital | 5,481,000 | 5,594,000 | 5,512,000 | 5,568,000 |
| Risk-weighted assets | 36,761,000 | 37,905,000 | 38,096,000 | 37,840,000 |