Call reports 2014
NBT BANK, NATIONAL ASSOCIATION — 2014
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 7,680,086,000 | 7,794,958,000 | 7,791,444,000 | 7,726,299,000 |
| Total loans | 5,482,026,000 | 5,574,487,000 | 5,587,091,000 | 5,595,271,000 |
| Allowance for loan losses | 69,434,000 | 69,534,000 | 69,334,000 | 66,359,000 |
| Securities available for sale | 1,366,135,000 | 1,367,061,000 | 1,033,414,000 | 1,001,522,000 |
| Securities held to maturity | 117,896,000 | 125,966,000 | 459,620,000 | 454,361,000 |
| Trading assets | 1,050,000 | 1,056,000 | 1,049,000 | 1,032,000 |
| Total deposits | 6,089,318,000 | 6,062,395,000 | 6,336,714,000 | 6,321,787,000 |
| Interest-bearing deposits | 5,642,833,000 | 5,582,160,000 | 5,864,770,000 | 5,830,080,000 |
| Noninterest-bearing deposits | 446,485,000 | 480,235,000 | 471,944,000 | 491,707,000 |
| Equity capital | 867,647,000 | 891,193,000 | 889,441,000 | 903,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 67,969,000 | 136,345,000 | 205,366,000 | 274,698,000 |
| Interest expense | 6,009,000 | 11,349,000 | 16,177,000 | 21,021,000 |
| Net interest income | 61,960,000 | 124,996,000 | 189,189,000 | 253,677,000 |
| Noninterest income | 18,453,000 | 57,354,000 | 76,574,000 | 96,941,000 |
| Noninterest expense | 52,897,000 | 107,878,000 | 171,430,000 | 222,482,000 |
| Provision for loan losses | 3,596,000 | 7,762,000 | 12,647,000 | 19,539,000 |
| Pretax income | 23,927,000 | 66,731,000 | 81,714,000 | 108,640,000 |
| Income tax | 7,855,000 | 22,199,000 | 27,270,000 | 36,017,000 |
| Net income | 16,072,000 | 44,532,000 | 54,444,000 | 72,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 625,870,000 | 645,612,000 | 646,817,000 | 660,086,000 |
| Total capital | 696,020,000 | 716,472,000 | 717,477,000 | 727,771,000 |
| Risk-weighted assets | 5,647,981,000 | 5,762,688,000 | 5,717,131,000 | 5,720,943,000 |