Call reports 2020
NBT FINANCIAL BANK — 2020
What NBT FINANCIAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 303,463,000 | 343,798,000 | 342,770,000 | 342,970,000 |
| Total loans | 215,866,000 | 218,217,000 | 236,899,000 | 256,789,000 |
| Allowance for loan losses | 3,230,000 | 3,322,000 | 3,395,000 | 3,386,000 |
| Securities available for sale | 0 | 0 | 0 | 4,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,333,000 | 308,839,000 | 307,716,000 | 307,956,000 |
| Interest-bearing deposits | 177,294,000 | 195,672,000 | 193,094,000 | 195,915,000 |
| Noninterest-bearing deposits | 92,039,000 | 113,167,000 | 114,622,000 | 112,041,000 |
| Equity capital | 33,335,000 | 33,911,000 | 33,954,000 | 34,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,175,000 | 6,240,000 | 9,172,000 | 12,303,000 |
| Interest expense | 459,000 | 791,000 | 1,134,000 | 1,476,000 |
| Net interest income | 2,716,000 | 5,449,000 | 8,038,000 | 10,827,000 |
| Noninterest income | 402,000 | 800,000 | 1,164,000 | 1,565,000 |
| Noninterest expense | 2,503,000 | 5,164,000 | 7,933,000 | 10,584,000 |
| Provision for loan losses | 393,000 | 734,000 | 861,000 | 1,061,000 |
| Pretax income | 305,000 | 434,000 | 491,000 | 876,000 |
| Income tax | 0 | -447,000 | -433,000 | -353,000 |
| Net income | 305,000 | 881,000 | 924,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,335,000 | 33,367,000 | 33,381,000 | 34,363,000 |
| Total capital | 35,657,000 | 35,644,000 | 35,849,000 | 37,099,000 |
| Risk-weighted assets | 184,846,000 | 181,079,000 | 196,541,000 | 218,244,000 |