Call reports 2011
NBT FINANCIAL BANK — 2011
What NBT FINANCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 139,510,000 | 145,065,000 | 154,080,000 | 148,555,000 |
| Total loans | 48,535,000 | 53,886,000 | 51,552,000 | 53,012,000 |
| Allowance for loan losses | 908,000 | 924,000 | 1,067,000 | 1,044,000 |
| Securities available for sale | 70,070,000 | 71,608,000 | 75,028,000 | 81,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,024,000 | 126,259,000 | 134,304,000 | 130,000,000 |
| Interest-bearing deposits | 79,580,000 | 83,752,000 | 85,946,000 | 84,287,000 |
| Noninterest-bearing deposits | 42,444,000 | 42,507,000 | 48,358,000 | 45,713,000 |
| Equity capital | 15,080,000 | 16,403,000 | 17,054,000 | 16,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,347,000 | 2,732,000 | 4,096,000 | 5,408,000 |
| Interest expense | 185,000 | 362,000 | 522,000 | 666,000 |
| Net interest income | 1,162,000 | 2,370,000 | 3,574,000 | 4,742,000 |
| Noninterest income | 350,000 | 730,000 | 1,129,000 | 1,526,000 |
| Noninterest expense | 1,262,000 | 2,629,000 | 4,016,000 | 5,375,000 |
| Provision for loan losses | 60,000 | 141,000 | 292,000 | 339,000 |
| Pretax income | 203,000 | 350,000 | 532,000 | 768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 350,000 | 532,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,787,000 | 14,864,000 | 14,978,000 | 15,126,000 |
| Total capital | 15,520,000 | 15,653,000 | 15,794,000 | 15,962,000 |
| Risk-weighted assets | 59,079,000 | 64,214,000 | 64,456,000 | 66,920,000 |