Call reports 2012
NBT FINANCIAL BANK — 2012
What NBT FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 149,104,000 | 150,886,000 | 165,392,000 | 167,168,000 |
| Total loans | 54,732,000 | 57,143,000 | 60,732,000 | 60,888,000 |
| Allowance for loan losses | 1,043,000 | 1,099,000 | 1,128,000 | 1,223,000 |
| Securities available for sale | 81,383,000 | 72,367,000 | 86,589,000 | 95,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,418,000 | 132,565,000 | 144,666,000 | 148,110,000 |
| Interest-bearing deposits | 80,087,000 | 79,953,000 | 87,590,000 | 98,367,000 |
| Noninterest-bearing deposits | 50,331,000 | 52,612,000 | 57,076,000 | 49,743,000 |
| Equity capital | 16,445,000 | 16,733,000 | 17,139,000 | 16,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,305,000 | 2,606,000 | 3,918,000 | 5,250,000 |
| Interest expense | 125,000 | 241,000 | 360,000 | 503,000 |
| Net interest income | 1,180,000 | 2,365,000 | 3,558,000 | 4,747,000 |
| Noninterest income | 381,000 | 754,000 | 1,132,000 | 1,525,000 |
| Noninterest expense | 1,364,000 | 2,750,000 | 4,221,000 | 5,523,000 |
| Provision for loan losses | 45,000 | 90,000 | 134,000 | 241,000 |
| Pretax income | 210,000 | 599,000 | 742,000 | 915,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 210,000 | 599,000 | 742,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,845,000 | 15,150,000 | 15,081,000 | 15,169,000 |
| Total capital | 15,713,000 | 16,037,000 | 16,046,000 | 16,160,000 |
| Risk-weighted assets | 68,982,000 | 70,786,000 | 77,012,000 | 78,413,000 |