Call reports 2002
NBT BANK, NATIONAL ASSOCIATION — 2002
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 3,571,420,000 | 3,661,016,000 | 3,708,607,000 | 3,693,531,000 |
| Total loans | 2,317,643,000 | 2,336,041,000 | 2,367,689,000 | 2,355,932,000 |
| Allowance for loan losses | 45,299,000 | 43,719,000 | 43,330,000 | 40,167,000 |
| Securities available for sale | 908,114,000 | 974,731,000 | 982,284,000 | 997,404,000 |
| Securities held to maturity | 101,060,000 | 88,845,000 | 87,235,000 | 82,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,870,311,000 | 2,870,203,000 | 2,924,565,000 | 2,927,954,000 |
| Interest-bearing deposits | 2,462,719,000 | 2,443,767,000 | 2,470,455,000 | 2,473,587,000 |
| Noninterest-bearing deposits | 407,592,000 | 426,436,000 | 454,110,000 | 454,367,000 |
| Equity capital | 275,858,000 | 292,311,000 | 294,637,000 | 300,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 57,211,000 | 114,606,000 | 171,464,000 | 226,735,000 |
| Interest expense | 20,961,000 | 41,360,000 | 61,646,000 | 80,328,000 |
| Net interest income | 36,250,000 | 73,246,000 | 109,818,000 | 146,407,000 |
| Noninterest income | 6,709,000 | 13,904,000 | 20,814,000 | 27,011,000 |
| Noninterest expense | 25,082,000 | 50,698,000 | 75,457,000 | 96,271,000 |
| Provision for loan losses | 2,011,000 | 4,103,000 | 6,527,000 | 9,073,000 |
| Pretax income | 15,208,000 | 31,769,000 | 47,892,000 | 67,325,000 |
| Income tax | 5,019,000 | 8,664,000 | 13,906,000 | 21,904,000 |
| Net income | 10,189,000 | 23,105,000 | 33,986,000 | 45,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,270,000 | 239,024,000 | 232,845,000 | 239,904,000 |
| Total capital | 260,893,000 | 269,345,000 | 263,621,000 | 270,435,000 |
| Risk-weighted assets | 2,354,189,000 | 2,412,208,000 | 2,449,559,000 | 2,432,840,000 |