Call reports 2005
NBT FINANCIAL BANK — 2005
What NBT FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,158,000 | 93,025,000 | 90,360,000 | 90,231,000 |
| Total loans | 42,332,000 | 41,755,000 | 45,435,000 | 46,515,000 |
| Allowance for loan losses | 531,000 | 572,000 | 540,000 | 602,000 |
| Securities available for sale | 33,760,000 | 33,482,000 | 32,908,000 | 31,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,953,000 | 83,895,000 | 81,500,000 | 81,877,000 |
| Interest-bearing deposits | 51,200,000 | 49,040,000 | 49,076,000 | 46,418,000 |
| Noninterest-bearing deposits | 34,754,000 | 34,854,000 | 32,425,000 | 35,458,000 |
| Equity capital | 6,819,000 | 7,388,000 | 7,403,000 | 7,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,218,000 | 3,393,000 | 4,621,000 |
| Interest expense | 162,000 | 338,000 | 537,000 | 759,000 |
| Net interest income | 898,000 | 1,880,000 | 2,856,000 | 3,862,000 |
| Noninterest income | 353,000 | 692,000 | 1,080,000 | 1,445,000 |
| Noninterest expense | 1,021,000 | 2,015,000 | 3,049,000 | 4,032,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 202,000 |
| Pretax income | 179,000 | 461,000 | 746,000 | 1,067,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 461,000 | 746,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,747,000 | 7,897,000 | 7,987,000 | 8,087,000 |
| Total capital | 8,278,000 | 8,469,000 | 8,527,000 | 8,689,000 |
| Risk-weighted assets | 52,655,000 | 51,649,000 | 54,741,000 | 55,191,000 |
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