Call reports 2010
NBT FINANCIAL BANK — 2010
What NBT FINANCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 127,630,000 | 130,838,000 | 136,291,000 | 138,474,000 |
| Total loans | 53,305,000 | 51,681,000 | 48,059,000 | 49,342,000 |
| Allowance for loan losses | 995,000 | 1,009,000 | 863,000 | 943,000 |
| Securities available for sale | 54,863,000 | 63,317,000 | 65,144,000 | 73,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,235,000 | 111,464,000 | 116,945,000 | 121,588,000 |
| Interest-bearing deposits | 79,771,000 | 78,231,000 | 81,466,000 | 80,073,000 |
| Noninterest-bearing deposits | 33,464,000 | 33,233,000 | 35,479,000 | 41,515,000 |
| Equity capital | 12,386,000 | 16,566,000 | 16,051,000 | 14,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,862,000 | 4,224,000 | 5,564,000 |
| Interest expense | 281,000 | 563,000 | 849,000 | 1,114,000 |
| Net interest income | 1,173,000 | 2,299,000 | 3,375,000 | 4,450,000 |
| Noninterest income | 346,000 | 675,000 | 1,015,000 | 1,344,000 |
| Noninterest expense | 1,151,000 | 2,323,000 | 3,580,000 | 4,825,000 |
| Provision for loan losses | 30,000 | 80,000 | 434,000 | 524,000 |
| Pretax income | 338,000 | 571,000 | 675,000 | 889,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 571,000 | 675,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,825,000 | 14,514,000 | 14,459,000 | 14,626,000 |
| Total capital | 11,650,000 | 15,328,000 | 15,199,000 | 15,386,000 |
| Risk-weighted assets | 65,661,000 | 64,819,000 | 59,023,000 | 60,651,000 |
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