Call reports 2024
NBT FINANCIAL BANK — 2024
What NBT FINANCIAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 451,922,000 | 473,681,000 | 507,775,000 | 491,486,000 |
| Total loans | 377,741,000 | 397,637,000 | 423,539,000 | 440,545,000 |
| Allowance for loan losses | 4,471,000 | 4,772,000 | 4,932,000 | 5,124,000 |
| Securities available for sale | 11,744,000 | 11,823,000 | 12,060,000 | 6,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,999,000 | 421,780,000 | 419,822,000 | 435,427,000 |
| Interest-bearing deposits | 268,525,000 | 277,375,000 | 278,682,000 | 292,247,000 |
| Noninterest-bearing deposits | 133,474,000 | 144,405,000 | 141,140,000 | 143,180,000 |
| Equity capital | 47,778,000 | 49,304,000 | 51,122,000 | 53,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,077,000 | 14,863,000 | 22,978,000 | 30,851,000 |
| Interest expense | 2,431,000 | 4,917,000 | 7,503,000 | 10,062,000 |
| Net interest income | 4,646,000 | 9,946,000 | 15,475,000 | 20,789,000 |
| Noninterest income | 439,000 | 905,000 | 1,392,000 | 1,852,000 |
| Noninterest expense | 3,686,000 | 7,729,000 | 11,601,000 | 15,373,000 |
| Provision for loan losses | 24,000 | 98,000 | 248,000 | 298,000 |
| Pretax income | 1,325,000 | 2,974,000 | 4,968,000 | 6,870,000 |
| Income tax | 296,000 | 660,000 | 1,074,000 | 1,489,000 |
| Net income | 1,029,000 | 2,314,000 | 3,894,000 | 5,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,781,000 | 50,238,000 | 51,862,000 | 54,495,000 |
| Total capital | 53,162,000 | 55,027,000 | 56,956,000 | 59,854,000 |
| Risk-weighted assets | 349,953,000 | 382,653,000 | 407,222,000 | 428,467,000 |