Call reports 2018
NBT FINANCIAL BANK — 2018
What NBT FINANCIAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 259,411,000 | 271,354,000 | 276,745,000 | 280,642,000 |
| Total loans | 163,351,000 | 179,016,000 | 192,570,000 | 203,193,000 |
| Allowance for loan losses | 2,208,000 | 2,371,000 | 2,537,000 | 2,649,000 |
| Securities available for sale | 66,926,000 | 67,247,000 | 63,422,000 | 61,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,238,000 | 221,712,000 | 226,699,000 | 229,778,000 |
| Interest-bearing deposits | 148,916,000 | 135,948,000 | 141,004,000 | 142,417,000 |
| Noninterest-bearing deposits | 81,322,000 | 85,764,000 | 85,695,000 | 87,361,000 |
| Equity capital | 28,681,000 | 28,811,000 | 29,027,000 | 30,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,499,000 | 5,204,000 | 8,143,000 | 11,199,000 |
| Interest expense | 205,000 | 458,000 | 838,000 | 1,323,000 |
| Net interest income | 2,294,000 | 4,746,000 | 7,305,000 | 9,876,000 |
| Noninterest income | 395,000 | 790,000 | 1,182,000 | 1,587,000 |
| Noninterest expense | 1,948,000 | 4,028,000 | 5,983,000 | 7,889,000 |
| Provision for loan losses | 161,000 | 322,000 | 533,000 | 870,000 |
| Pretax income | 581,000 | 1,187,000 | 1,972,000 | 2,705,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 581,000 | 1,187,000 | 1,972,000 | 2,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,129,000 | 31,461,000 | 31,886,000 | 32,222,000 |
| Total capital | 33,061,000 | 33,577,000 | 34,140,000 | 34,552,000 |
| Risk-weighted assets | 154,326,000 | 168,994,000 | 180,037,000 | 186,114,000 |