Call reports 2001
NBT BANK, NATIONAL ASSOCIATION — 2001
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 2,559,666,000 | 2,681,920,000 | 2,656,772,000 | 3,609,042,000 |
| Total loans | 1,725,072,000 | 1,817,015,000 | 1,807,647,000 | 2,339,636,000 |
| Allowance for loan losses | 24,209,000 | 25,691,000 | 29,035,000 | 44,746,000 |
| Securities available for sale | 564,097,000 | 572,874,000 | 566,713,000 | 901,680,000 |
| Securities held to maturity | 93,521,000 | 97,415,000 | 91,810,000 | 101,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,971,365,000 | 2,077,021,000 | 2,079,239,000 | 2,919,298,000 |
| Interest-bearing deposits | 1,690,244,000 | 1,758,682,000 | 1,740,909,000 | 2,457,556,000 |
| Noninterest-bearing deposits | 281,121,000 | 318,339,000 | 338,330,000 | 461,742,000 |
| Equity capital | 198,754,000 | 216,778,000 | 220,466,000 | 274,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 48,488,000 | 95,479,000 | 142,727,000 | 254,844,000 |
| Interest expense | 24,199,000 | 45,851,000 | 66,504,000 | 117,294,000 |
| Net interest income | 24,289,000 | 49,628,000 | 76,223,000 | 137,550,000 |
| Noninterest income | 6,561,000 | 12,173,000 | 17,437,000 | 23,461,000 |
| Noninterest expense | 19,552,000 | 37,529,000 | 56,053,000 | 101,529,000 |
| Provision for loan losses | 951,000 | 7,463,000 | 13,451,000 | 31,929,000 |
| Pretax income | 10,528,000 | 17,015,000 | 24,367,000 | 19,449,000 |
| Income tax | 3,453,000 | 5,277,000 | 7,725,000 | 4,534,000 |
| Net income | 7,075,000 | 11,738,000 | 16,642,000 | 14,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,654,000 | 186,556,000 | 181,911,000 | 223,095,000 |
| Total capital | 193,958,000 | 209,462,000 | 204,031,000 | 253,283,000 |
| Risk-weighted assets | 1,701,453,000 | 1,829,698,000 | 1,763,113,000 | 2,400,445,000 |