Call reports 2007
NBT BANK, NATIONAL ASSOCIATION — 2007
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 5,082,304,000 | 5,103,530,000 | 5,131,276,000 | 5,182,343,000 |
| Total loans | 3,395,476,000 | 3,432,300,000 | 3,422,217,000 | 3,455,851,000 |
| Allowance for loan losses | 50,554,000 | 57,058,000 | 54,808,000 | 54,183,000 |
| Securities available for sale | 1,105,477,000 | 1,107,858,000 | 1,134,241,000 | 1,128,295,000 |
| Securities held to maturity | 145,760,000 | 147,537,000 | 143,447,000 | 149,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,982,604,000 | 3,962,711,000 | 3,952,765,000 | 3,877,936,000 |
| Interest-bearing deposits | 3,769,924,000 | 3,753,555,000 | 3,726,852,000 | 3,612,758,000 |
| Noninterest-bearing deposits | 212,680,000 | 209,156,000 | 225,913,000 | 265,178,000 |
| Equity capital | 460,141,000 | 454,419,000 | 445,739,000 | 453,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 75,286,000 | 151,648,000 | 228,676,000 | 305,517,000 |
| Interest expense | 33,516,000 | 67,328,000 | 101,994,000 | 135,806,000 |
| Net interest income | 41,770,000 | 84,320,000 | 126,682,000 | 169,711,000 |
| Noninterest income | 10,839,000 | 23,021,000 | 36,552,000 | 50,835,000 |
| Noninterest expense | 29,833,000 | 58,374,000 | 88,870,000 | 121,137,000 |
| Provision for loan losses | 2,096,000 | 11,866,000 | 16,654,000 | 30,094,000 |
| Pretax income | 20,623,000 | 37,064,000 | 59,157,000 | 71,359,000 |
| Income tax | 6,306,000 | 11,454,000 | 18,134,000 | 21,254,000 |
| Net income | 14,317,000 | 25,610,000 | 41,023,000 | 50,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 355,781,000 | 357,418,000 | 340,433,000 | 342,102,000 |
| Total capital | 400,369,000 | 402,519,000 | 385,615,000 | 387,690,000 |
| Risk-weighted assets | 3,561,098,000 | 3,597,554,000 | 3,616,965,000 | 3,638,444,000 |