Call reports 2015
NBT FINANCIAL BANK — 2015
What NBT FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 203,106,000 | 206,069,000 | 207,603,000 | 210,587,000 |
| Total loans | 78,799,000 | 79,868,000 | 83,404,000 | 83,906,000 |
| Allowance for loan losses | 1,498,000 | 1,478,000 | 1,476,000 | 1,498,000 |
| Securities available for sale | 86,116,000 | 100,174,000 | 107,885,000 | 104,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,004,000 | 190,070,000 | 190,238,000 | 193,933,000 |
| Interest-bearing deposits | 118,934,000 | 122,093,000 | 124,513,000 | 126,168,000 |
| Noninterest-bearing deposits | 67,070,000 | 67,977,000 | 65,725,000 | 67,765,000 |
| Equity capital | 16,694,000 | 15,501,000 | 16,715,000 | 16,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,147,000 | 4,865,000 | 6,638,000 |
| Interest expense | 148,000 | 287,000 | 424,000 | 554,000 |
| Net interest income | 1,396,000 | 2,860,000 | 4,441,000 | 6,084,000 |
| Noninterest income | 354,000 | 728,000 | 1,113,000 | 1,494,000 |
| Noninterest expense | 1,583,000 | 3,246,000 | 4,786,000 | 6,352,000 |
| Provision for loan losses | 11,000 | 11,000 | 11,000 | 11,000 |
| Pretax income | 191,000 | 366,000 | 792,000 | 1,250,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 366,000 | 792,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,196,000 | 16,336,000 | 16,606,000 | 16,843,000 |
| Total capital | 17,420,000 | 17,580,000 | 17,930,000 | 18,158,000 |
| Risk-weighted assets | 97,657,000 | 99,360,000 | 105,772,000 | 105,028,000 |