Call reports 2017
NBT FINANCIAL BANK — 2017
What NBT FINANCIAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 248,150,000 | 258,638,000 | 260,409,000 | 255,647,000 |
| Total loans | 128,966,000 | 140,695,000 | 148,367,000 | 160,313,000 |
| Allowance for loan losses | 1,828,000 | 1,885,000 | 2,137,000 | 2,050,000 |
| Securities available for sale | 90,666,000 | 83,968,000 | 79,638,000 | 74,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,508,000 | 228,320,000 | 229,779,000 | 225,667,000 |
| Interest-bearing deposits | 149,835,000 | 147,542,000 | 145,498,000 | 143,010,000 |
| Noninterest-bearing deposits | 78,673,000 | 80,778,000 | 84,281,000 | 82,657,000 |
| Equity capital | 19,190,000 | 29,595,000 | 29,850,000 | 29,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,425,000 | 6,835,000 | 9,309,000 |
| Interest expense | 151,000 | 307,000 | 469,000 | 643,000 |
| Net interest income | 1,990,000 | 4,118,000 | 6,366,000 | 8,666,000 |
| Noninterest income | 402,000 | 792,000 | 1,186,000 | 1,595,000 |
| Noninterest expense | 1,796,000 | 3,759,000 | 5,744,000 | 7,570,000 |
| Provision for loan losses | 64,000 | 128,000 | 192,000 | 256,000 |
| Pretax income | 532,000 | 1,040,000 | 1,633,000 | 2,452,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 532,000 | 1,040,000 | 1,633,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,241,000 | 30,042,000 | 30,446,000 | 30,799,000 |
| Total capital | 21,924,000 | 31,787,000 | 32,259,000 | 32,687,000 |
| Risk-weighted assets | 134,486,000 | 139,428,000 | 144,675,000 | 150,866,000 |