Call reports 2016
BANK OF BUFFALO — 2016
What BANK OF BUFFALO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 75,538,000 | 75,754,000 | 77,240,000 | 74,647,000 |
| Total loans | 41,258,000 | 41,883,000 | 42,034,000 | 41,986,000 |
| Allowance for loan losses | 414,000 | 422,000 | 462,000 | 380,000 |
| Securities available for sale | 30,666,000 | 30,035,000 | 29,615,000 | 28,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,362,000 | 61,291,000 | 62,010,000 | 60,581,000 |
| Interest-bearing deposits | 53,570,000 | 54,358,000 | 54,532,000 | 52,099,000 |
| Noninterest-bearing deposits | 6,792,000 | 6,933,000 | 7,478,000 | 8,482,000 |
| Equity capital | 8,305,000 | 8,314,000 | 8,277,000 | 7,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,571,000 | 2,359,000 | 3,184,000 |
| Interest expense | 114,000 | 236,000 | 354,000 | 475,000 |
| Net interest income | 679,000 | 1,335,000 | 2,005,000 | 2,709,000 |
| Noninterest income | 45,000 | 95,000 | 142,000 | 248,000 |
| Noninterest expense | 288,000 | 622,000 | 900,000 | 1,236,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 436,000 | 808,000 | 1,221,000 | 1,637,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 436,000 | 808,000 | 1,221,000 | 1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,163,000 | 8,135,000 | 8,149,000 | 7,965,000 |
| Total capital | 8,577,000 | 8,557,000 | 8,611,000 | 8,345,000 |
| Risk-weighted assets | 47,982,000 | 48,438,000 | 48,528,000 | 47,204,000 |