Call report 2024Q4
NBT FINANCIAL BANK — 2024Q4
The 22 measures NBT FINANCIAL BANK reported to the FFIEC for 2024Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 491,486,000 | USD | evidence → |
| Total loans | 440,545,000 | USD | evidence → |
| Allowance for loan losses | 5,124,000 | USD | evidence → |
| Securities available for sale | 6,930,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 435,427,000 | USD | evidence → |
| Interest-bearing deposits | 292,247,000 | USD | evidence → |
| Noninterest-bearing deposits | 143,180,000 | USD | evidence → |
| Equity capital | 53,660,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 30,851,000 | USD | evidence → |
| Interest expense | 10,062,000 | USD | evidence → |
| Net interest income | 20,789,000 | USD | evidence → |
| Noninterest income | 1,852,000 | USD | evidence → |
| Noninterest expense | 15,373,000 | USD | evidence → |
| Provision for loan losses | 298,000 | USD | evidence → |
| Pretax income | 6,870,000 | USD | evidence → |
| Income tax | 1,489,000 | USD | evidence → |
| Net income | 5,381,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 54,495,000 | USD | evidence → |
| Total capital | 59,854,000 | USD | evidence → |
| Risk-weighted assets | 428,467,000 | USD | evidence → |