Call reports 2014
BANK OF BUFFALO — 2014
What BANK OF BUFFALO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 72,091,000 | 71,634,000 | 73,129,000 | 72,922,000 |
| Total loans | 38,405,000 | 37,974,000 | 39,500,000 | 39,452,000 |
| Allowance for loan losses | 310,000 | 376,000 | 369,000 | 457,000 |
| Securities available for sale | 28,769,000 | 29,671,000 | 29,849,000 | 29,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,467,000 | 58,801,000 | 59,882,000 | 61,101,000 |
| Interest-bearing deposits | 53,478,000 | 52,581,000 | 54,172,000 | 55,296,000 |
| Noninterest-bearing deposits | 5,989,000 | 6,220,000 | 5,710,000 | 5,805,000 |
| Equity capital | 8,306,000 | 8,298,000 | 8,290,000 | 7,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,696,000 | 2,544,000 | 3,365,000 |
| Interest expense | 115,000 | 234,000 | 349,000 | 451,000 |
| Net interest income | 726,000 | 1,462,000 | 2,195,000 | 2,914,000 |
| Noninterest income | 64,000 | 121,000 | 183,000 | 235,000 |
| Noninterest expense | 283,000 | 576,000 | 876,000 | 1,178,000 |
| Provision for loan losses | 0 | 85,000 | 85,000 | 212,000 |
| Pretax income | 507,000 | 922,000 | 1,417,000 | 1,759,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 922,000 | 1,417,000 | 1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,175,000 | 8,090,000 | 8,084,000 | 7,726,000 |
| Total capital | 8,485,000 | 8,466,000 | 8,453,000 | 8,183,000 |
| Risk-weighted assets | 43,887,000 | 43,395,000 | 46,207,000 | 45,687,000 |