Call reports 2004
NBT FINANCIAL BANK — 2004
What NBT FINANCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,083,000 | 91,953,000 | 91,063,000 | 87,752,000 |
| Total loans | 35,583,000 | 35,637,000 | 36,433,000 | 39,473,000 |
| Allowance for loan losses | 581,000 | 445,000 | 429,000 | 441,000 |
| Securities available for sale | 35,584,000 | 34,120,000 | 30,879,000 | 34,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,077,000 | 83,868,000 | 81,899,000 | 79,424,000 |
| Interest-bearing deposits | 55,474,000 | 55,782,000 | 52,439,000 | 49,787,000 |
| Noninterest-bearing deposits | 25,603,000 | 28,087,000 | 29,460,000 | 29,637,000 |
| Equity capital | 7,639,000 | 6,632,000 | 7,401,000 | 7,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,978,000 | 3,016,000 | 4,073,000 |
| Interest expense | 148,000 | 300,000 | 470,000 | 637,000 |
| Net interest income | 838,000 | 1,678,000 | 2,546,000 | 3,436,000 |
| Noninterest income | 377,000 | 759,000 | 1,189,000 | 1,569,000 |
| Noninterest expense | 934,000 | 1,879,000 | 2,887,000 | 3,889,000 |
| Provision for loan losses | 30,000 | 144,000 | 290,000 | 400,000 |
| Pretax income | 346,000 | 509,000 | 657,000 | 815,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 346,000 | 509,000 | 657,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,477,000 | 7,516,000 | 7,535,000 | 7,676,000 |
| Total capital | 8,058,000 | 7,961,000 | 7,964,000 | 8,117,000 |
| Risk-weighted assets | 47,201,000 | 47,611,000 | 47,325,000 | 49,600,000 |
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