Call reports 2013
NBT FINANCIAL BANK — 2013
What NBT FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,091,000 | 175,462,000 | 174,969,000 | 173,926,000 |
| Total loans | 60,857,000 | 64,203,000 | 66,961,000 | 64,631,000 |
| Allowance for loan losses | 1,289,000 | 1,280,000 | 1,261,000 | 1,315,000 |
| Securities available for sale | 90,503,000 | 91,384,000 | 97,495,000 | 93,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,779,000 | 156,858,000 | 157,128,000 | 158,677,000 |
| Interest-bearing deposits | 101,673,000 | 101,820,000 | 102,702,000 | 104,856,000 |
| Noninterest-bearing deposits | 48,106,000 | 55,038,000 | 54,426,000 | 53,821,000 |
| Equity capital | 16,251,000 | 13,868,000 | 13,711,000 | 13,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 2,779,000 | 4,261,000 | 5,748,000 |
| Interest expense | 153,000 | 305,000 | 459,000 | 616,000 |
| Net interest income | 1,229,000 | 2,474,000 | 3,802,000 | 5,132,000 |
| Noninterest income | 377,000 | 748,000 | 1,109,000 | 1,450,000 |
| Noninterest expense | 1,442,000 | 2,943,000 | 4,332,000 | 5,655,000 |
| Provision for loan losses | 78,000 | 108,000 | 108,000 | 163,000 |
| Pretax income | 136,000 | 277,000 | 577,000 | 870,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 277,000 | 577,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,199,000 | 15,263,000 | 15,458,000 | 15,519,000 |
| Total capital | 16,183,000 | 16,294,000 | 16,537,000 | 16,553,000 |
| Risk-weighted assets | 78,385,000 | 81,644,000 | 86,163,000 | 82,459,000 |