Call reports 2005
NBT BANK, NATIONAL ASSOCIATION — 2005
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 4,225,238,000 | 4,349,760,000 | 4,355,039,000 | 4,394,626,000 |
| Total loans | 2,898,187,000 | 2,995,964,000 | 3,003,103,000 | 3,022,657,000 |
| Allowance for loan losses | 45,389,000 | 46,411,000 | 47,550,000 | 47,455,000 |
| Securities available for sale | 937,534,000 | 948,811,000 | 928,832,000 | 940,439,000 |
| Securities held to maturity | 87,058,000 | 88,765,000 | 89,655,000 | 93,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,169,473,000 | 3,185,451,000 | 3,220,450,000 | 3,170,709,000 |
| Interest-bearing deposits | 2,659,917,000 | 2,609,080,000 | 2,628,950,000 | 2,566,840,000 |
| Noninterest-bearing deposits | 509,556,000 | 576,371,000 | 591,500,000 | 603,869,000 |
| Equity capital | 317,532,000 | 330,713,000 | 330,753,000 | 334,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 55,372,000 | 113,151,000 | 173,315,000 | 235,979,000 |
| Interest expense | 16,362,000 | 34,570,000 | 54,557,000 | 76,876,000 |
| Net interest income | 39,010,000 | 78,581,000 | 118,758,000 | 159,103,000 |
| Noninterest income | 9,106,000 | 19,024,000 | 28,812,000 | 38,516,000 |
| Noninterest expense | 27,626,000 | 55,544,000 | 83,212,000 | 111,360,000 |
| Provision for loan losses | 1,796,000 | 4,116,000 | 6,868,000 | 9,464,000 |
| Pretax income | 18,696,000 | 37,997,000 | 56,806,000 | 75,565,000 |
| Income tax | 6,011,000 | 12,226,000 | 18,339,000 | 24,079,000 |
| Net income | 12,685,000 | 25,771,000 | 38,467,000 | 51,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 276,649,000 | 283,808,000 | 290,369,000 | 297,255,000 |
| Total capital | 314,477,000 | 323,154,000 | 329,744,000 | 336,900,000 |
| Risk-weighted assets | 3,018,660,000 | 3,140,624,000 | 3,141,865,000 | 3,163,755,000 |