Call reports 2025
BANK OF BUFFALO — 2025
What BANK OF BUFFALO reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 118,708,000 | 125,898,000 | 130,779,000 | 133,080,000 |
| Total loans | 84,848,000 | 89,863,000 | 93,004,000 | 97,426,000 |
| Allowance for loan losses | 741,000 | 893,000 | 1,165,000 | 1,166,000 |
| Securities available for sale | 28,953,000 | 29,093,000 | 31,283,000 | 30,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,966,000 | 105,306,000 | 109,226,000 | 106,053,000 |
| Interest-bearing deposits | 84,149,000 | 91,389,000 | 92,605,000 | 90,478,000 |
| Noninterest-bearing deposits | 15,817,000 | 13,917,000 | 16,621,000 | 15,575,000 |
| Equity capital | 9,578,000 | 10,130,000 | 11,085,000 | 11,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,685,000 | 3,512,000 | 5,378,000 | 7,406,000 |
| Interest expense | 834,000 | 1,742,000 | 2,691,000 | 3,597,000 |
| Net interest income | 851,000 | 1,770,000 | 2,687,000 | 3,809,000 |
| Noninterest income | 35,000 | 68,000 | 112,000 | 143,000 |
| Noninterest expense | 496,000 | 955,000 | 1,563,000 | 2,175,000 |
| Provision for loan losses | 0 | 150,000 | 476,000 | 476,000 |
| Pretax income | 390,000 | 733,000 | 760,000 | 1,301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 390,000 | 733,000 | 760,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,879,000 | 11,367,000 | 11,801,000 | 12,341,000 |