Call reports 2011
NBT BANK, NATIONAL ASSOCIATION — 2011
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 5,440,789,000 | 5,294,766,000 | 5,435,401,000 | 5,558,535,000 |
| Total loans | 3,626,995,000 | 3,664,517,000 | 3,708,090,000 | 3,800,203,000 |
| Allowance for loan losses | 69,934,000 | 70,484,000 | 71,334,000 | 71,334,000 |
| Securities available for sale | 1,096,432,000 | 1,146,731,000 | 1,160,268,000 | 1,234,794,000 |
| Securities held to maturity | 90,008,000 | 76,878,000 | 72,958,000 | 70,811,000 |
| Trading assets | 575,000 | 561,000 | 514,000 | 511,000 |
| Total deposits | 4,276,164,000 | 4,131,465,000 | 4,282,846,000 | 4,381,429,000 |
| Interest-bearing deposits | 3,966,560,000 | 3,840,004,000 | 3,995,143,000 | 4,051,731,000 |
| Noninterest-bearing deposits | 309,604,000 | 291,461,000 | 287,703,000 | 329,698,000 |
| Equity capital | 569,961,000 | 566,678,000 | 573,507,000 | 580,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 59,940,000 | 120,117,000 | 179,791,000 | 239,598,000 |
| Interest expense | 9,921,000 | 19,615,000 | 28,647,000 | 37,634,000 |
| Net interest income | 50,019,000 | 100,502,000 | 151,144,000 | 201,964,000 |
| Noninterest income | 13,597,000 | 27,642,000 | 41,892,000 | 55,968,000 |
| Noninterest expense | 39,742,000 | 77,399,000 | 115,890,000 | 156,025,000 |
| Provision for loan losses | 3,965,000 | 9,986,000 | 15,161,000 | 20,737,000 |
| Pretax income | 19,936,000 | 40,877,000 | 62,115,000 | 81,352,000 |
| Income tax | 5,915,000 | 12,128,000 | 17,445,000 | 21,670,000 |
| Net income | 14,021,000 | 28,749,000 | 44,670,000 | 59,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 465,495,000 | 456,422,000 | 459,748,000 | 454,476,000 |
| Total capital | 514,193,000 | 505,929,000 | 510,295,000 | 506,246,000 |
| Risk-weighted assets | 3,873,841,000 | 3,938,777,000 | 4,022,166,000 | 4,120,971,000 |