Call reports 2013
NBT BANK, NATIONAL ASSOCIATION — 2013
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 7,546,522,000 | 7,471,637,000 | 7,606,769,000 | 7,581,736,000 |
| Total loans | 5,195,032,000 | 5,290,710,000 | 5,367,230,000 | 5,406,795,000 |
| Allowance for loan losses | 68,734,000 | 71,184,000 | 70,184,000 | 69,434,000 |
| Securities available for sale | 1,454,148,000 | 1,378,493,000 | 1,375,064,000 | 1,353,873,000 |
| Securities held to maturity | 62,474,000 | 122,302,000 | 118,259,000 | 117,283,000 |
| Trading assets | 951,000 | 945,000 | 1,003,000 | 1,038,000 |
| Total deposits | 6,052,605,000 | 5,905,573,000 | 6,025,766,000 | 5,908,700,000 |
| Interest-bearing deposits | 5,627,842,000 | 5,417,552,000 | 5,532,915,000 | 5,432,177,000 |
| Noninterest-bearing deposits | 424,763,000 | 488,021,000 | 492,851,000 | 476,523,000 |
| Equity capital | 833,900,000 | 834,672,000 | 843,512,000 | 856,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 60,256,000 | 129,772,000 | 199,237,000 | 268,342,000 |
| Interest expense | 7,790,000 | 15,164,000 | 21,945,000 | 28,511,000 |
| Net interest income | 52,466,000 | 114,608,000 | 177,292,000 | 239,831,000 |
| Noninterest income | 16,070,000 | 35,287,000 | 54,578,000 | 73,535,000 |
| Noninterest expense | 55,861,000 | 108,002,000 | 158,596,000 | 209,117,000 |
| Provision for loan losses | 5,658,000 | 12,060,000 | 17,258,000 | 22,424,000 |
| Pretax income | 7,196,000 | 29,950,000 | 56,156,000 | 81,978,000 |
| Income tax | 1,999,000 | 8,939,000 | 17,046,000 | 25,541,000 |
| Net income | 5,197,000 | 21,011,000 | 39,110,000 | 56,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 569,127,000 | 585,099,000 | 598,737,000 | 616,961,000 |
| Total capital | 637,996,000 | 655,192,000 | 667,929,000 | 686,117,000 |
| Risk-weighted assets | 5,508,322,000 | 5,604,767,000 | 5,537,141,000 | 5,530,858,000 |