Call reports 2012
NBT BANK, NATIONAL ASSOCIATION — 2012
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 5,747,600,000 | 5,918,349,000 | 5,980,971,000 | 5,986,046,000 |
| Total loans | 3,818,667,000 | 4,161,214,000 | 4,251,119,000 | 4,277,616,000 |
| Allowance for loan losses | 71,334,000 | 70,734,000 | 70,734,000 | 69,334,000 |
| Securities available for sale | 1,234,439,000 | 1,211,843,000 | 1,180,898,000 | 1,135,133,000 |
| Securities held to maturity | 70,279,000 | 64,387,000 | 61,302,000 | 60,563,000 |
| Trading assets | 552,000 | 494,000 | 537,000 | 546,000 |
| Total deposits | 4,586,506,000 | 4,710,230,000 | 4,830,039,000 | 4,823,431,000 |
| Interest-bearing deposits | 4,256,808,000 | 4,331,797,000 | 4,487,476,000 | 4,456,033,000 |
| Noninterest-bearing deposits | 329,698,000 | 378,433,000 | 342,563,000 | 367,398,000 |
| Equity capital | 585,189,000 | 594,877,000 | 602,499,000 | 590,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 58,489,000 | 117,056,000 | 178,229,000 | 238,994,000 |
| Interest expense | 8,762,000 | 17,224,000 | 25,454,000 | 33,436,000 |
| Net interest income | 49,727,000 | 99,832,000 | 152,775,000 | 205,558,000 |
| Noninterest income | 14,871,000 | 29,360,000 | 44,933,000 | 60,675,000 |
| Noninterest expense | 43,377,000 | 86,515,000 | 130,751,000 | 174,035,000 |
| Provision for loan losses | 4,471,000 | 8,574,000 | 13,329,000 | 20,269,000 |
| Pretax income | 16,762,000 | 34,213,000 | 53,764,000 | 72,086,000 |
| Income tax | 5,015,000 | 10,215,000 | 15,607,000 | 21,194,000 |
| Net income | 11,747,000 | 23,998,000 | 38,157,000 | 50,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 457,892,000 | 449,662,000 | 456,670,000 | 447,909,000 |
| Total capital | 510,296,000 | 506,021,000 | 513,875,000 | 505,027,000 |
| Risk-weighted assets | 4,172,327,000 | 4,493,216,000 | 4,561,781,000 | 4,556,103,000 |