Call reports 2006
NBT FINANCIAL BANK — 2006
What NBT FINANCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 90,048,000 | 90,039,000 | 101,130,000 | 101,604,000 |
| Total loans | 45,161,000 | 47,034,000 | 52,472,000 | 52,543,000 |
| Allowance for loan losses | 639,000 | 682,000 | 718,000 | 725,000 |
| Securities available for sale | 30,474,000 | 29,344,000 | 29,159,000 | 32,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,678,000 | 79,928,000 | 88,859,000 | 91,470,000 |
| Interest-bearing deposits | 48,481,000 | 48,944,000 | 57,211,000 | 59,078,000 |
| Noninterest-bearing deposits | 31,197,000 | 30,984,000 | 31,648,000 | 32,392,000 |
| Equity capital | 7,060,000 | 6,897,000 | 7,516,000 | 7,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,473,000 | 3,839,000 | 5,335,000 |
| Interest expense | 253,000 | 551,000 | 947,000 | 1,432,000 |
| Net interest income | 950,000 | 1,922,000 | 2,892,000 | 3,903,000 |
| Noninterest income | 409,000 | 824,000 | 1,243,000 | 1,649,000 |
| Noninterest expense | 1,102,000 | 2,168,000 | 3,253,000 | 4,298,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 212,000 | 488,000 | 747,000 | 1,074,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 212,000 | 488,000 | 747,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 8,340,000 | 8,403,000 | 8,527,000 |
| Total capital | 8,810,000 | 9,022,000 | 9,121,000 | 9,252,000 |
| Risk-weighted assets | 54,667,000 | 57,245,000 | 62,906,000 | 63,185,000 |
Machine access — free, no API key
Every figure shown here about NBT FINANCIAL BANK — 2006 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 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.