Call reports 2016
NBT FINANCIAL BANK — 2016
What NBT FINANCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 210,292,000 | 230,641,000 | 234,492,000 | 228,117,000 |
| Total loans | 90,864,000 | 106,427,000 | 116,433,000 | 122,637,000 |
| Allowance for loan losses | 1,518,000 | 1,580,000 | 1,726,000 | 1,811,000 |
| Securities available for sale | 104,549,000 | 97,939,000 | 92,798,000 | 90,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,388,000 | 210,270,000 | 213,598,000 | 209,293,000 |
| Interest-bearing deposits | 122,660,000 | 132,513,000 | 136,898,000 | 133,459,000 |
| Noninterest-bearing deposits | 69,728,000 | 77,757,000 | 76,700,000 | 75,834,000 |
| Equity capital | 17,433,000 | 19,841,000 | 20,314,000 | 18,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,591,000 | 5,567,000 | 7,583,000 |
| Interest expense | 133,000 | 269,000 | 404,000 | 552,000 |
| Net interest income | 1,605,000 | 3,322,000 | 5,163,000 | 7,031,000 |
| Noninterest income | 388,000 | 764,000 | 1,169,000 | 1,562,000 |
| Noninterest expense | 1,607,000 | 3,260,000 | 5,022,000 | 6,726,000 |
| Provision for loan losses | 60,000 | 119,000 | 255,000 | 345,000 |
| Pretax income | 380,000 | 762,000 | 1,110,000 | 1,617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 380,000 | 762,000 | 1,110,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,074,000 | 19,113,000 | 19,168,000 | 19,942,000 |
| Total capital | 18,446,000 | 20,573,000 | 20,711,000 | 21,530,000 |
| Risk-weighted assets | 109,694,000 | 116,714,000 | 123,284,000 | 126,890,000 |