Call reports 2023
NBT FINANCIAL BANK — 2023
What NBT FINANCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 447,538,000 | 443,172,000 | 436,902,000 | 447,317,000 |
| Total loans | 363,332,000 | 368,371,000 | 375,525,000 | 370,805,000 |
| Allowance for loan losses | 4,600,000 | 4,578,000 | 4,555,000 | 4,472,000 |
| Securities available for sale | 11,869,000 | 11,667,000 | 11,516,000 | 11,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,531,000 | 397,227,000 | 389,265,000 | 398,528,000 |
| Interest-bearing deposits | 256,347,000 | 263,461,000 | 246,711,000 | 265,100,000 |
| Noninterest-bearing deposits | 146,184,000 | 133,766,000 | 142,554,000 | 133,428,000 |
| Equity capital | 42,744,000 | 43,938,000 | 45,021,000 | 46,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,804,000 | 12,081,000 | 19,058,000 | 25,969,000 |
| Interest expense | 1,286,000 | 3,184,000 | 5,246,000 | 7,441,000 |
| Net interest income | 4,518,000 | 8,897,000 | 13,812,000 | 18,528,000 |
| Noninterest income | 438,000 | 955,000 | 1,460,000 | 1,972,000 |
| Noninterest expense | 3,384,000 | 6,746,000 | 10,757,000 | 14,442,000 |
| Provision for loan losses | 297,000 | 297,000 | 347,000 | 292,000 |
| Pretax income | 1,275,000 | 2,809,000 | 4,168,000 | 5,711,000 |
| Income tax | 283,000 | 625,000 | 926,000 | 1,267,000 |
| Net income | 992,000 | 2,184,000 | 3,242,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,679,000 | 45,025,000 | 46,220,000 | 47,581,000 |
| Total capital | 47,780,000 | 49,223,000 | 50,521,000 | 51,847,000 |
| Risk-weighted assets | 327,239,000 | 335,080,000 | 343,497,000 | 340,685,000 |