NB&T Financial Group, Inc. (NBTF), the parent company of The National Bank and Trust Company, reported second-quarter net income of $1.2 million or $0.33 per share, up from last year's $1.0 million or $0.31 per share in the same quarter.
Net interest income for the latest quarter declined to $5.4 million from $6.1 million in the comparable quarter last year. Net interest margin decreased to 3.38 percent from last year's 3.95 percent in the second quarter.
The company attributed the decrease in net margin mainly to a change in asset mix from higher-yielding loans to lower-yielding securities.
Total non-interest income for the latest quarter was $2.3 million, compared to $1.9 million in the same period last year.
Provision for loan losses for the quarter increased to $0.4 million from $0.3 million in the year-ago quarter.
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