Call reports 2014
NBT FINANCIAL BANK — 2014
What NBT FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 184,063,000 | 189,766,000 | 205,997,000 | 203,716,000 |
| Total loans | 69,302,000 | 73,981,000 | 76,889,000 | 78,294,000 |
| Allowance for loan losses | 1,392,000 | 1,478,000 | 1,489,000 | 1,483,000 |
| Securities available for sale | 91,240,000 | 87,884,000 | 86,130,000 | 91,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,349,000 | 171,546,000 | 187,673,000 | 182,537,000 |
| Interest-bearing deposits | 112,349,000 | 109,393,000 | 114,272,000 | 118,664,000 |
| Noninterest-bearing deposits | 55,000,000 | 62,153,000 | 73,401,000 | 63,873,000 |
| Equity capital | 13,761,000 | 14,762,000 | 14,968,000 | 16,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 3,030,000 | 4,620,000 | 6,275,000 |
| Interest expense | 154,000 | 313,000 | 473,000 | 639,000 |
| Net interest income | 1,320,000 | 2,717,000 | 4,147,000 | 5,636,000 |
| Noninterest income | 357,000 | 725,000 | 1,101,000 | 1,459,000 |
| Noninterest expense | 1,427,000 | 2,926,000 | 4,431,000 | 5,863,000 |
| Provision for loan losses | 64,000 | 84,000 | 84,000 | 84,000 |
| Pretax income | 186,000 | 432,000 | 794,000 | 1,209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 432,000 | 794,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,579,000 | 15,723,000 | 15,956,000 | 16,092,000 |
| Total capital | 16,669,000 | 16,870,000 | 17,119,000 | 17,288,000 |
| Risk-weighted assets | 86,895,000 | 91,439,000 | 92,705,000 | 95,391,000 |