Call reports 2020
BANK OF BUFFALO — 2020
What BANK OF BUFFALO reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 74,955,000 | 73,727,000 | 74,161,000 | 74,198,000 |
| Total loans | 40,588,000 | 39,573,000 | 39,036,000 | 37,218,000 |
| Allowance for loan losses | 398,000 | 388,000 | 466,000 | 434,000 |
| Securities available for sale | 29,249,000 | 29,916,000 | 29,314,000 | 30,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,856,000 | 58,383,000 | 58,866,000 | 61,142,000 |
| Interest-bearing deposits | 48,169,000 | 46,532,000 | 46,596,000 | 46,268,000 |
| Noninterest-bearing deposits | 9,687,000 | 11,851,000 | 12,270,000 | 14,874,000 |
| Equity capital | 8,460,000 | 9,092,000 | 9,031,000 | 8,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,529,000 | 2,269,000 | 2,976,000 |
| Interest expense | 233,000 | 454,000 | 630,000 | 772,000 |
| Net interest income | 539,000 | 1,075,000 | 1,639,000 | 2,204,000 |
| Noninterest income | 41,000 | 78,000 | 109,000 | 150,000 |
| Noninterest expense | 330,000 | 613,000 | 921,000 | 1,256,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 173,000 | 458,000 | 734,000 | 1,000,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 173,000 | 458,000 | 734,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,393,000 | 8,677,000 | 8,604,000 | 8,269,000 |
| Total capital | 8,791,000 | 9,065,000 | 9,070,000 | 8,703,000 |
| Risk-weighted assets | 44,439,000 | 44,279,000 | 46,573,000 | 45,535,000 |