Call reports 2006
NBT BANK, NATIONAL ASSOCIATION — 2006
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,853,063,000 | 4,964,207,000 | 5,027,238,000 | 5,068,378,000 |
| Total loans | 3,247,841,000 | 3,347,876,000 | 3,369,732,000 | 3,412,654,000 |
| Allowance for loan losses | 49,818,000 | 50,148,000 | 50,646,000 | 50,587,000 |
| Securities available for sale | 1,100,155,000 | 1,088,612,000 | 1,099,859,000 | 1,094,275,000 |
| Securities held to maturity | 102,749,000 | 110,326,000 | 134,608,000 | 136,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,634,042,000 | 3,771,264,000 | 3,806,621,000 | 3,812,686,000 |
| Interest-bearing deposits | 3,002,440,000 | 3,105,888,000 | 3,153,491,000 | 3,147,384,000 |
| Noninterest-bearing deposits | 631,602,000 | 665,376,000 | 653,130,000 | 665,302,000 |
| Equity capital | 433,322,000 | 417,082,000 | 441,483,000 | 454,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 66,163,000 | 137,856,000 | 212,388,000 | 288,259,000 |
| Interest expense | 25,251,000 | 54,394,000 | 86,821,000 | 120,084,000 |
| Net interest income | 40,912,000 | 83,462,000 | 125,567,000 | 168,175,000 |
| Noninterest income | 10,816,000 | 21,936,000 | 33,027,000 | 43,755,000 |
| Noninterest expense | 29,321,000 | 60,472,000 | 91,225,000 | 122,561,000 |
| Provision for loan losses | 1,728,000 | 3,431,000 | 5,911,000 | 9,395,000 |
| Pretax income | 19,745,000 | 40,582,000 | 60,552,000 | 79,098,000 |
| Income tax | 6,277,000 | 12,726,000 | 18,892,000 | 24,362,000 |
| Net income | 13,468,000 | 27,856,000 | 41,660,000 | 54,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 336,202,000 | 324,876,000 | 339,010,000 | 352,391,000 |
| Total capital | 378,936,000 | 368,976,000 | 383,466,000 | 397,252,000 |
| Risk-weighted assets | 3,411,657,000 | 3,521,981,000 | 3,550,271,000 | 3,583,133,000 |