Call reports 2003
NBT BANK, NATIONAL ASSOCIATION — 2003
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 3,722,207,000 | 3,888,072,000 | 4,022,861,000 | 4,019,777,000 |
| Total loans | 2,374,079,000 | 2,496,385,000 | 2,550,466,000 | 2,639,976,000 |
| Allowance for loan losses | 41,141,000 | 40,858,000 | 41,672,000 | 42,651,000 |
| Securities available for sale | 997,672,000 | 976,594,000 | 1,064,838,000 | 970,986,000 |
| Securities held to maturity | 82,118,000 | 92,447,000 | 97,493,000 | 97,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,957,394,000 | 2,966,096,000 | 2,975,984,000 | 3,007,538,000 |
| Interest-bearing deposits | 2,506,934,000 | 2,494,865,000 | 2,488,437,000 | 2,501,135,000 |
| Noninterest-bearing deposits | 450,460,000 | 471,231,000 | 487,547,000 | 506,403,000 |
| Equity capital | 299,199,000 | 305,112,000 | 307,165,000 | 310,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 52,526,000 | 104,026,000 | 154,707,000 | 206,880,000 |
| Interest expense | 16,590,000 | 32,675,000 | 47,872,000 | 62,816,000 |
| Net interest income | 35,936,000 | 71,351,000 | 106,835,000 | 144,064,000 |
| Noninterest income | 8,203,000 | 16,118,000 | 24,963,000 | 33,951,000 |
| Noninterest expense | 24,732,000 | 49,571,000 | 74,602,000 | 100,552,000 |
| Provision for loan losses | 1,940,000 | 3,353,000 | 5,789,000 | 9,111,000 |
| Pretax income | 17,481,000 | 34,574,000 | 51,465,000 | 68,495,000 |
| Income tax | 5,568,000 | 10,905,000 | 16,084,000 | 21,059,000 |
| Net income | 11,913,000 | 23,669,000 | 35,381,000 | 47,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 239,455,000 | 244,312,000 | 250,701,000 | 257,303,000 |
| Total capital | 270,390,000 | 277,117,000 | 283,967,000 | 290,986,000 |
| Risk-weighted assets | 2,463,435,000 | 2,603,353,000 | 2,651,547,000 | 2,682,816,000 |