Call reports 2021
NBT FINANCIAL BANK — 2021
What NBT FINANCIAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 353,945,000 | 381,501,000 | 391,541,000 | 448,503,000 |
| Total loans | 278,732,000 | 302,764,000 | 309,578,000 | 315,202,000 |
| Allowance for loan losses | 3,790,000 | 3,995,000 | 3,949,000 | 3,962,000 |
| Securities available for sale | 14,798,000 | 15,829,000 | 15,842,000 | 22,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,377,000 | 330,335,000 | 339,999,000 | 402,592,000 |
| Interest-bearing deposits | 195,106,000 | 198,546,000 | 206,391,000 | 260,723,000 |
| Noninterest-bearing deposits | 121,271,000 | 131,789,000 | 133,608,000 | 141,869,000 |
| Equity capital | 35,132,000 | 35,941,000 | 36,757,000 | 37,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,429,000 | 6,953,000 | 10,452,000 | 14,014,000 |
| Interest expense | 274,000 | 550,000 | 845,000 | 1,134,000 |
| Net interest income | 3,155,000 | 6,403,000 | 9,607,000 | 12,880,000 |
| Noninterest income | 379,000 | 798,000 | 1,208,000 | 1,632,000 |
| Noninterest expense | 1,952,000 | 4,542,000 | 7,131,000 | 9,869,000 |
| Provision for loan losses | 360,000 | 524,000 | 682,000 | 682,000 |
| Pretax income | 1,222,000 | 2,135,000 | 3,002,000 | 3,961,000 |
| Income tax | 258,000 | 451,000 | 636,000 | 840,000 |
| Net income | 964,000 | 1,684,000 | 2,366,000 | 3,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,367,000 | 36,125,000 | 36,903,000 | 37,853,000 |
| Total capital | 38,295,000 | 39,357,000 | 40,238,000 | 41,298,000 |
| Risk-weighted assets | 233,394,000 | 257,837,000 | 266,198,000 | 275,155,000 |