Call reports 2008
NBT BANK, NATIONAL ASSOCIATION — 2008
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 5,209,561,000 | 5,288,473,000 | 5,281,368,000 | 5,306,865,000 |
| Total loans | 3,505,454,000 | 3,602,894,000 | 3,607,321,000 | 3,651,911,000 |
| Allowance for loan losses | 56,501,000 | 54,510,000 | 55,803,000 | 58,564,000 |
| Securities available for sale | 1,122,069,000 | 1,094,492,000 | 1,093,744,000 | 1,109,886,000 |
| Securities held to maturity | 157,352,000 | 148,656,000 | 144,292,000 | 140,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,860,956,000 | 3,947,823,000 | 4,000,696,000 | 3,937,949,000 |
| Interest-bearing deposits | 3,619,714,000 | 3,699,440,000 | 3,748,427,000 | 3,704,501,000 |
| Noninterest-bearing deposits | 241,242,000 | 248,383,000 | 252,269,000 | 233,448,000 |
| Equity capital | 459,739,000 | 456,407,000 | 458,014,000 | 479,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 74,494,000 | 147,204,000 | 220,683,000 | 293,822,000 |
| Interest expense | 29,301,000 | 54,978,000 | 80,319,000 | 103,288,000 |
| Net interest income | 45,193,000 | 92,226,000 | 140,364,000 | 190,534,000 |
| Noninterest income | 14,222,000 | 28,767,000 | 43,586,000 | 59,299,000 |
| Noninterest expense | 32,731,000 | 66,391,000 | 101,749,000 | 135,611,000 |
| Provision for loan losses | 6,478,000 | 12,281,000 | 19,460,000 | 27,181,000 |
| Pretax income | 20,221,000 | 42,354,000 | 62,781,000 | 87,077,000 |
| Income tax | 6,079,000 | 12,908,000 | 19,187,000 | 26,328,000 |
| Net income | 14,142,000 | 29,446,000 | 43,594,000 | 60,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 342,314,000 | 348,809,000 | 351,651,000 | 359,984,000 |
| Total capital | 388,695,000 | 396,625,000 | 399,267,000 | 408,069,000 |
| Risk-weighted assets | 3,700,359,000 | 3,818,601,000 | 3,801,105,000 | 3,836,314,000 |