Call reports 2010
BANK OF BUFFALO — 2010
What BANK OF BUFFALO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 63,939,000 | 65,905,000 | 66,246,000 | 67,003,000 |
| Total loans | 37,240,000 | 37,058,000 | 36,915,000 | 37,984,000 |
| Allowance for loan losses | 517,000 | 587,000 | 581,000 | 629,000 |
| Securities available for sale | 22,797,000 | 24,530,000 | 25,529,000 | 25,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,275,000 | 49,346,000 | 50,004,000 | 49,643,000 |
| Interest-bearing deposits | 42,385,000 | 44,077,000 | 44,808,000 | 44,961,000 |
| Noninterest-bearing deposits | 5,890,000 | 5,270,000 | 5,196,000 | 4,682,000 |
| Equity capital | 6,098,000 | 5,852,000 | 6,285,000 | 5,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,970,000 | 2,963,000 | 3,936,000 |
| Interest expense | 267,000 | 523,000 | 774,000 | 1,011,000 |
| Net interest income | 712,000 | 1,447,000 | 2,189,000 | 2,925,000 |
| Noninterest income | 71,000 | 101,000 | 167,000 | 208,000 |
| Noninterest expense | 266,000 | 518,000 | 782,000 | 1,068,000 |
| Provision for loan losses | 0 | 104,000 | 104,000 | 152,000 |
| Pretax income | 517,000 | 926,000 | 1,470,000 | 1,913,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 926,000 | 1,470,000 | 1,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,642,000 | 5,472,000 | 5,815,000 | 5,456,000 |
| Total capital | 6,159,000 | 6,039,000 | 6,384,000 | 6,031,000 |
| Risk-weighted assets | 44,856,000 | 45,366,000 | 45,540,000 | 45,954,000 |