Call reports 2022
NBT FINANCIAL BANK — 2022
What NBT FINANCIAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 468,958,000 | 429,840,000 | 436,436,000 | 439,310,000 |
| Total loans | 324,076,000 | 333,599,000 | 361,323,000 | 373,461,000 |
| Allowance for loan losses | 4,042,000 | 4,254,000 | 4,494,000 | 4,722,000 |
| Securities available for sale | 12,318,000 | 11,958,000 | 11,620,000 | 11,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,759,000 | 389,737,000 | 395,203,000 | 396,316,000 |
| Interest-bearing deposits | 274,889,000 | 225,738,000 | 226,142,000 | 231,745,000 |
| Noninterest-bearing deposits | 154,870,000 | 163,999,000 | 169,061,000 | 164,571,000 |
| Equity capital | 38,163,000 | 38,784,000 | 39,778,000 | 41,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,666,000 | 7,673,000 | 12,685,000 | 18,319,000 |
| Interest expense | 271,000 | 551,000 | 961,000 | 1,596,000 |
| Net interest income | 3,395,000 | 7,122,000 | 11,724,000 | 16,723,000 |
| Noninterest income | 409,000 | 961,000 | 1,376,000 | 1,808,000 |
| Noninterest expense | 2,708,000 | 5,811,000 | 9,184,000 | 12,272,000 |
| Provision for loan losses | 76,000 | 229,000 | 457,000 | 944,000 |
| Pretax income | 1,020,000 | 2,043,000 | 3,459,000 | 5,315,000 |
| Income tax | 220,000 | 444,000 | 745,000 | 1,147,000 |
| Net income | 800,000 | 1,599,000 | 2,714,000 | 4,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,772,000 | 39,671,000 | 40,923,000 | 42,515,000 |
| Total capital | 42,407,000 | 43,494,000 | 45,041,000 | 46,836,000 |
| Risk-weighted assets | 290,432,000 | 305,386,000 | 329,073,000 | 345,153,000 |