Call reports 2007
BANK OF BUFFALO — 2007
What BANK OF BUFFALO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,249,000 | 57,224,000 | 56,799,000 | 56,750,000 |
| Total loans | 37,918,000 | 37,225,000 | 37,418,000 | 38,248,000 |
| Allowance for loan losses | 460,000 | 447,000 | 448,000 | 439,000 |
| Securities available for sale | 15,435,000 | 15,522,000 | 15,975,000 | 16,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,896,000 | 46,176,000 | 45,902,000 | 45,511,000 |
| Interest-bearing deposits | 38,822,000 | 39,665,000 | 39,820,000 | 40,380,000 |
| Noninterest-bearing deposits | 6,074,000 | 6,511,000 | 6,082,000 | 5,131,000 |
| Equity capital | 4,929,000 | 5,017,000 | 5,352,000 | 5,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,871,000 | 2,823,000 | 3,775,000 |
| Interest expense | 528,000 | 1,055,000 | 1,578,000 | 2,091,000 |
| Net interest income | 407,000 | 816,000 | 1,245,000 | 1,684,000 |
| Noninterest income | 56,000 | 138,000 | 226,000 | 300,000 |
| Noninterest expense | 229,000 | 445,000 | 667,000 | 908,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 234,000 | 459,000 | 754,000 | 1,026,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 459,000 | 754,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,009,000 | 5,226,000 | 5,425,000 | 5,118,000 |
| Total capital | 5,469,000 | 5,673,000 | 5,873,000 | 5,557,000 |
| Risk-weighted assets | 38,262,000 | 37,679,000 | 37,701,000 | 38,926,000 |