Call reports 2013
BANK OF BUFFALO — 2013
What BANK OF BUFFALO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,221,000 | 72,595,000 | 72,033,000 | 70,447,000 |
| Total loans | 36,217,000 | 38,290,000 | 38,512,000 | 38,194,000 |
| Allowance for loan losses | 443,000 | 447,000 | 447,000 | 369,000 |
| Securities available for sale | 31,469,000 | 30,768,000 | 29,998,000 | 28,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,659,000 | 57,552,000 | 57,342,000 | 57,632,000 |
| Interest-bearing deposits | 52,156,000 | 51,708,000 | 51,817,000 | 52,109,000 |
| Noninterest-bearing deposits | 5,503,000 | 5,844,000 | 5,525,000 | 5,523,000 |
| Equity capital | 8,455,000 | 8,275,000 | 8,015,000 | 7,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,709,000 | 2,612,000 | 3,489,000 |
| Interest expense | 155,000 | 305,000 | 447,000 | 576,000 |
| Net interest income | 688,000 | 1,404,000 | 2,165,000 | 2,913,000 |
| Noninterest income | 59,000 | 203,000 | 265,000 | 326,000 |
| Noninterest expense | 248,000 | 523,000 | 771,000 | 1,063,000 |
| Provision for loan losses | 0 | 154,000 | 154,000 | 190,000 |
| Pretax income | 499,000 | 930,000 | 1,505,000 | 1,977,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 499,000 | 930,000 | 1,505,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,090,000 | 8,021,000 | 7,897,000 | 7,668,000 |
| Total capital | 8,533,000 | 8,468,000 | 8,344,000 | 8,037,000 |
| Risk-weighted assets | 44,947,000 | 46,111,000 | 46,095,000 | 44,960,000 |