Call reports 2010
NBT BANK, NATIONAL ASSOCIATION — 2010
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 5,490,200,000 | 5,373,029,000 | 5,443,730,000 | 5,302,543,000 |
| Total loans | 3,637,623,000 | 3,647,445,000 | 3,621,367,000 | 3,610,006,000 |
| Allowance for loan losses | 70,150,000 | 70,300,000 | 71,875,000 | 71,234,000 |
| Securities available for sale | 1,138,522,000 | 1,123,359,000 | 1,069,709,000 | 1,120,178,000 |
| Securities held to maturity | 157,108,000 | 122,549,000 | 103,173,000 | 97,310,000 |
| Trading assets | 523,000 | 479,000 | 492,000 | 535,000 |
| Total deposits | 4,191,381,000 | 4,113,737,000 | 4,217,147,000 | 4,149,884,000 |
| Interest-bearing deposits | 3,920,273,000 | 3,840,209,000 | 3,930,516,000 | 3,852,724,000 |
| Noninterest-bearing deposits | 271,108,000 | 273,528,000 | 286,631,000 | 297,160,000 |
| Equity capital | 542,684,000 | 555,536,000 | 565,513,000 | 567,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 65,288,000 | 129,747,000 | 192,889,000 | 255,121,000 |
| Interest expense | 13,640,000 | 26,612,000 | 38,251,000 | 49,067,000 |
| Net interest income | 51,648,000 | 103,135,000 | 154,638,000 | 206,054,000 |
| Noninterest income | 13,860,000 | 27,978,000 | 41,900,000 | 56,114,000 |
| Noninterest expense | 38,664,000 | 76,952,000 | 115,830,000 | 157,225,000 |
| Provision for loan losses | 9,243,000 | 15,593,000 | 23,122,000 | 29,809,000 |
| Pretax income | 17,609,000 | 38,639,000 | 57,633,000 | 76,593,000 |
| Income tax | 5,100,000 | 11,252,000 | 15,923,000 | 20,281,000 |
| Net income | 12,509,000 | 27,387,000 | 41,710,000 | 56,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 427,676,000 | 439,055,000 | 449,866,000 | 460,969,000 |
| Total capital | 477,305,000 | 488,499,000 | 499,043,000 | 510,196,000 |
| Risk-weighted assets | 3,949,787,000 | 3,934,803,000 | 3,911,457,000 | 3,915,659,000 |