Call reports 2015
BANK OF BUFFALO — 2015
What BANK OF BUFFALO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,483,000 | 73,783,000 | 74,373,000 | 74,755,000 |
| Total loans | 40,106,000 | 39,898,000 | 40,383,000 | 40,526,000 |
| Allowance for loan losses | 451,000 | 439,000 | 438,000 | 425,000 |
| Securities available for sale | 29,463,000 | 29,616,000 | 30,530,000 | 31,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,893,000 | 61,587,000 | 60,770,000 | 62,014,000 |
| Interest-bearing deposits | 56,071,000 | 54,770,000 | 54,271,000 | 54,833,000 |
| Noninterest-bearing deposits | 5,822,000 | 6,817,000 | 6,499,000 | 7,181,000 |
| Equity capital | 8,394,000 | 7,840,000 | 8,307,000 | 7,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 811,000 | 1,621,000 | 2,440,000 | 3,219,000 |
| Interest expense | 97,000 | 198,000 | 301,000 | 408,000 |
| Net interest income | 714,000 | 1,423,000 | 2,139,000 | 2,811,000 |
| Noninterest income | 38,000 | 89,000 | 130,000 | 112,000 |
| Noninterest expense | 298,000 | 606,000 | 926,000 | 1,238,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 454,000 | 906,000 | 1,333,000 | 1,675,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 906,000 | 1,333,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,178,000 | 7,757,000 | 8,184,000 | 7,727,000 |
| Total capital | 8,629,000 | 8,196,000 | 8,622,000 | 8,152,000 |
| Risk-weighted assets | 46,293,000 | 43,455,000 | 44,357,000 | 44,232,000 |