Call reports 2004
NBT BANK, NATIONAL ASSOCIATION — 2004
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 3,989,119,000 | 4,097,740,000 | 4,174,691,000 | 4,187,965,000 |
| Total loans | 2,646,675,000 | 2,753,625,000 | 2,814,554,000 | 2,869,921,000 |
| Allowance for loan losses | 43,303,000 | 43,482,000 | 44,539,000 | 44,932,000 |
| Securities available for sale | 966,511,000 | 968,461,000 | 968,191,000 | 941,597,000 |
| Securities held to maturity | 91,199,000 | 79,760,000 | 77,820,000 | 81,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,021,586,000 | 3,041,164,000 | 3,095,065,000 | 3,079,717,000 |
| Interest-bearing deposits | 2,549,815,000 | 2,550,102,000 | 2,584,043,000 | 2,553,687,000 |
| Noninterest-bearing deposits | 471,771,000 | 491,062,000 | 511,022,000 | 526,030,000 |
| Equity capital | 322,210,000 | 302,868,000 | 324,601,000 | 330,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 51,614,000 | 102,454,000 | 155,421,000 | 209,729,000 |
| Interest expense | 14,440,000 | 28,507,000 | 43,287,000 | 58,791,000 |
| Net interest income | 37,174,000 | 73,947,000 | 112,134,000 | 150,938,000 |
| Noninterest income | 9,606,000 | 19,084,000 | 28,356,000 | 37,410,000 |
| Noninterest expense | 25,454,000 | 50,203,000 | 76,473,000 | 103,573,000 |
| Provision for loan losses | 2,124,000 | 4,552,000 | 6,865,000 | 9,615,000 |
| Pretax income | 19,210,000 | 38,320,000 | 57,213,000 | 75,402,000 |
| Income tax | 6,159,000 | 12,197,000 | 18,241,000 | 22,797,000 |
| Net income | 13,051,000 | 26,123,000 | 38,972,000 | 52,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 264,813,000 | 260,125,000 | 273,106,000 | 280,446,000 |
| Total capital | 299,123,000 | 295,383,000 | 309,825,000 | 317,835,000 |
| Risk-weighted assets | 2,724,017,000 | 2,812,382,000 | 2,929,718,000 | 2,983,593,000 |