Call reports 2009
NBT FINANCIAL BANK — 2009
What NBT FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,275,000 | 135,103,000 | 129,077,000 | 127,676,000 |
| Total loans | 54,335,000 | 53,326,000 | 53,076,000 | 50,908,000 |
| Allowance for loan losses | 859,000 | 908,000 | 1,087,000 | 1,031,000 |
| Securities available for sale | 58,329,000 | 59,339,000 | 63,226,000 | 60,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,809,000 | 118,448,000 | 114,763,000 | 115,064,000 |
| Interest-bearing deposits | 88,401,000 | 83,357,000 | 80,052,000 | 77,441,000 |
| Noninterest-bearing deposits | 35,408,000 | 35,091,000 | 34,711,000 | 37,623,000 |
| Equity capital | 11,060,000 | 10,948,000 | 11,841,000 | 11,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,163,000 | 4,732,000 | 6,249,000 |
| Interest expense | 372,000 | 712,000 | 1,046,000 | 1,356,000 |
| Net interest income | 1,220,000 | 2,451,000 | 3,686,000 | 4,893,000 |
| Noninterest income | 330,000 | 662,000 | 1,013,000 | 1,366,000 |
| Noninterest expense | 1,164,000 | 2,374,000 | 3,507,000 | 4,628,000 |
| Provision for loan losses | 75,000 | 150,000 | 323,000 | 348,000 |
| Pretax income | 311,000 | 589,000 | 914,000 | 1,328,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 589,000 | 914,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,902,000 | 10,100,000 | 10,348,000 | 10,635,000 |
| Total capital | 10,761,000 | 10,949,000 | 11,184,000 | 11,442,000 |
| Risk-weighted assets | 69,092,000 | 67,879,000 | 66,553,000 | 64,301,000 |
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