Call reports 2009
BANK OF BUFFALO — 2009
What BANK OF BUFFALO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 62,106,000 | 60,712,000 | 61,845,000 | 63,228,000 |
| Total loans | 36,447,000 | 36,193,000 | 36,559,000 | 37,363,000 |
| Allowance for loan losses | 456,000 | 512,000 | 518,000 | 518,000 |
| Securities available for sale | 21,957,000 | 22,150,000 | 22,345,000 | 22,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,648,000 | 47,389,000 | 48,354,000 | 48,534,000 |
| Interest-bearing deposits | 41,642,000 | 41,839,000 | 42,835,000 | 43,178,000 |
| Noninterest-bearing deposits | 6,006,000 | 5,550,000 | 5,519,000 | 5,356,000 |
| Equity capital | 5,440,000 | 5,440,000 | 6,023,000 | 5,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 983,000 | 1,986,000 | 2,973,000 | 3,971,000 |
| Interest expense | 347,000 | 682,000 | 995,000 | 1,299,000 |
| Net interest income | 636,000 | 1,304,000 | 1,978,000 | 2,672,000 |
| Noninterest income | 125,000 | 122,000 | 204,000 | 265,000 |
| Noninterest expense | 244,000 | 483,000 | 734,000 | 1,007,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 517,000 | 997,000 | 1,511,000 | 1,994,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 997,000 | 1,511,000 | 1,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,669,000 | 5,325,000 | 5,701,000 | 5,253,000 |
| Total capital | 6,125,000 | 5,837,000 | 6,219,000 | 5,771,000 |
| Risk-weighted assets | 44,502,000 | 44,128,000 | 44,098,000 | 44,938,000 |