Call reports 2009
NBT BANK, NATIONAL ASSOCIATION — 2009
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 5,377,547,000 | 5,384,927,000 | 5,450,960,000 | 5,424,588,000 |
| Total loans | 3,648,384,000 | 3,649,546,000 | 3,615,890,000 | 3,645,399,000 |
| Allowance for loan losses | 59,311,000 | 62,734,000 | 64,650,000 | 66,550,000 |
| Securities available for sale | 1,103,225,000 | 1,102,768,000 | 1,120,006,000 | 1,104,105,000 |
| Securities held to maturity | 139,196,000 | 140,952,000 | 168,658,000 | 159,946,000 |
| Trading assets | 411,000 | 479,000 | 501,000 | 535,000 |
| Total deposits | 4,091,960,000 | 4,089,439,000 | 4,131,114,000 | 4,112,238,000 |
| Interest-bearing deposits | 3,892,981,000 | 3,826,151,000 | 3,868,762,000 | 3,803,964,000 |
| Noninterest-bearing deposits | 198,979,000 | 263,288,000 | 262,352,000 | 308,274,000 |
| Equity capital | 487,733,000 | 498,364,000 | 518,351,000 | 529,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 69,234,000 | 137,479,000 | 204,964,000 | 272,819,000 |
| Interest expense | 20,064,000 | 39,268,000 | 57,160,000 | 72,499,000 |
| Net interest income | 49,170,000 | 98,211,000 | 147,804,000 | 200,320,000 |
| Noninterest income | 13,365,000 | 27,665,000 | 42,759,000 | 57,508,000 |
| Noninterest expense | 36,432,000 | 74,126,000 | 109,815,000 | 147,260,000 |
| Provision for loan losses | 6,451,000 | 15,650,000 | 24,751,000 | 33,392,000 |
| Pretax income | 19,652,000 | 36,117,000 | 56,003,000 | 77,180,000 |
| Income tax | 6,093,000 | 11,199,000 | 17,167,000 | 21,845,000 |
| Net income | 13,559,000 | 24,918,000 | 38,836,000 | 55,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 371,554,000 | 383,208,000 | 397,620,000 | 414,588,000 |
| Total capital | 419,874,000 | 432,145,000 | 446,726,000 | 464,143,000 |
| Risk-weighted assets | 3,854,592,000 | 3,901,149,000 | 3,912,964,000 | 3,947,467,000 |