Bank of Buffalo in Buffalo, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Buffalo in Buffalo, Kentucky (KY)
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Bank of Buffalo routing number info

Bank of Buffalo - Overview

  • General
  • FDIC Certificate #: 2733
    Status: Active
    Federal Reserve ID: 825940
    Bank Holding Company (Regulatory Top Holder): Buffalo Bancshares, Inc. (RSSDID: 1096297, Location: Buffalo, KY)
    Date Established: January 07, 1901
    WWW: http://www.thebankofbuffalo.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13402
    FDIC's unique #: 1774
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2441 Greensburg Road, Buffalo, KY 42716
    County: Larue
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $74.5 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $55.2 mil
    Return on assets (ROA): 3.25% ($2.4 mil)
    Quarterly return on assets: 3.10% ($2.3 mil)
    Return on Equity (ROE): 34.79% ($2.8 mil)
    Quarterly return on equity: 31.20% ($2.5 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 3.25% ($2,422.2 mil)
    Quarterly Pretax return on assets: 3.10% ($2,310.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $74,529Total assets
  • $2,614Cash and due from depository institutions
  • $58Interest-bearing balances
  • $31,377Securities
  • $478Federal funds sold & reverse repurchase agreements
  • $37,828Net loans & leases
  • $625Loan loss allowance
  • $0Trading account assets
  • $475Bank premises and fixed assets
  • $232Other real estate owned
  • $0Goodwill and other intangibles
  • $74,529Life insurance assets
  • $1,525All other assets
  • $66,900Total liabilities and capital
  • $55,178Total liabilities
  • $50,365Total deposits
  • $55,178Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,321Trading liabilities
  • $0Other borrowed funds
  • $401Subordinated debt
  • $7,629All other liabilities
  • $7,629Total equity capital
  • $7,629Total bank equity capital
  • $0Perpetual preferred stock
  • $26Common stock
  • $6,175Surplus
  • $1,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $733Income earned, not collected on loans
  • $0Earning assets
  • $625Long-term assets (5+ years)
  • $69,741Average Assets, year-to-date
  • $21,247Average Assets, quarterly
  • $69,881Volatile liabilities
  • $72,519Insider loans
  • $45,164FHLB advances
  • $70,903Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,326Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $930Restructured Loans and leases
  • $637Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,893Total interest income
  • $853Total interest expense
  • $3,040Net interest income
  • $25Provision for loan and lease losses
  • $234Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $1,046Total noninterest expense
  • $615Salaries and employee benefits
  • $107Premises and equipment expense
  • $324Additional noninterest expense
  • $2,203Pre-tax net operating income
  • $70Securities gains (losses)
  • $0Applicable income taxes
  • $2,273Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,273Net income attributable to bank
  • $0Net charge-offs
  • $2,273Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $1,904Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.89%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 1.58%Noninterest expense to earning assets
  • 3.15%Net operating income to assets
  • 3.25%Return on assets (ROA)
  • 3.25%Pretax return on assets
  • 34.79%Return on equity (ROE)
  • 5.65%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 86.21%Credit loss provision to net charge-offs
  • 76.83%Efficiency ratio
  • 31,949Assets per employee
  • 4.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.77%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 85.27%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 68.56%Net loans and leases to core deposits
  • 82.14%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 16.22%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $69,881Average earning assets
  • $6,533Average equity
  • $66,131Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    01774Bank Of Buffalo2441 Greensburg Road, Buffalo, KY 42716January 07, 1901Full Service Brick and Mortar
    1428177Hodgenville Branch2375 Lincoln Farm Road, Hodgenville, KY 42748March 01, 2004Full Service Brick and Mortar

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