Call reports 2003
NBT FINANCIAL BANK — 2003
What NBT FINANCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,476,000 | 81,009,000 | 83,376,000 | 83,959,000 |
| Total loans | 32,600,000 | 32,514,000 | 32,263,000 | 35,292,000 |
| Allowance for loan losses | 546,000 | 525,000 | 552,000 | 564,000 |
| Securities available for sale | 29,317,000 | 33,652,000 | 35,294,000 | 36,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,727,000 | 71,829,000 | 75,275,000 | 74,457,000 |
| Interest-bearing deposits | 50,383,000 | 49,182,000 | 50,469,000 | 50,617,000 |
| Noninterest-bearing deposits | 23,345,000 | 22,648,000 | 24,807,000 | 23,839,000 |
| Equity capital | 7,598,000 | 7,682,000 | 7,201,000 | 7,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,963,000 | 2,926,000 | 3,929,000 |
| Interest expense | 168,000 | 331,000 | 481,000 | 623,000 |
| Net interest income | 826,000 | 1,632,000 | 2,445,000 | 3,306,000 |
| Noninterest income | 373,000 | 740,000 | 1,130,000 | 1,501,000 |
| Noninterest expense | 883,000 | 1,769,000 | 2,645,000 | 3,515,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 372,000 | 650,000 | 968,000 | 1,321,000 |
| Income tax | 0 | 3,000 | 4,000 | 5,000 |
| Net income | 372,000 | 647,000 | 964,000 | 1,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,092,000 | 7,159,000 | 7,308,000 | 7,379,000 |
| Total capital | 7,626,000 | 7,684,000 | 7,856,000 | 7,938,000 |
| Risk-weighted assets | 42,729,000 | 43,289,000 | 43,864,000 | 44,749,000 |
Machine access — free, no API key
Every figure shown here about NBT FINANCIAL BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.