Call reports 2019
NBT FINANCIAL BANK — 2019
What NBT FINANCIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 282,316,000 | 283,111,000 | 285,274,000 | 295,558,000 |
| Total loans | 203,368,000 | 202,965,000 | 196,339,000 | 212,031,000 |
| Allowance for loan losses | 2,883,000 | 3,047,000 | 3,134,000 | 3,072,000 |
| Securities available for sale | 50,778,000 | 41,564,000 | 30,579,000 | 28,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,602,000 | 250,267,000 | 251,702,000 | 261,858,000 |
| Interest-bearing deposits | 147,618,000 | 160,957,000 | 163,544,000 | 171,670,000 |
| Noninterest-bearing deposits | 82,984,000 | 89,310,000 | 88,158,000 | 90,188,000 |
| Equity capital | 31,044,000 | 31,878,000 | 32,507,000 | 32,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,024,000 | 6,262,000 | 9,457,000 | 12,710,000 |
| Interest expense | 544,000 | 1,068,000 | 1,552,000 | 2,073,000 |
| Net interest income | 2,480,000 | 5,194,000 | 7,905,000 | 10,637,000 |
| Noninterest income | 441,000 | 881,000 | 1,420,000 | 1,857,000 |
| Noninterest expense | 2,112,000 | 4,821,000 | 7,322,000 | 9,823,000 |
| Provision for loan losses | 687,000 | 854,000 | 954,000 | 954,000 |
| Pretax income | 114,000 | 382,000 | 1,018,000 | 1,686,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 382,000 | 1,018,000 | 1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,189,000 | 32,341,000 | 32,854,000 | 33,150,000 |
| Total capital | 34,504,000 | 34,601,000 | 35,047,000 | 35,524,000 |
| Risk-weighted assets | 184,607,000 | 179,974,000 | 174,488,000 | 189,183,000 |