Call reports 2015
NBT BANK, NATIONAL ASSOCIATION — 2015
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 7,793,049,000 | 8,004,403,000 | 8,093,194,000 | 8,198,830,000 |
| Total loans | 5,623,023,000 | 5,770,888,000 | 5,870,988,000 | 5,883,133,000 |
| Allowance for loan losses | 65,359,000 | 64,959,000 | 64,859,000 | 63,018,000 |
| Securities available for sale | 1,060,219,000 | 1,117,715,000 | 1,047,165,000 | 1,161,833,000 |
| Securities held to maturity | 456,773,000 | 454,312,000 | 470,758,000 | 471,031,000 |
| Trading assets | 1,019,000 | 1,021,000 | 343,000 | 335,000 |
| Total deposits | 6,506,157,000 | 6,407,984,000 | 6,636,825,000 | 6,658,244,000 |
| Interest-bearing deposits | 6,035,573,000 | 5,895,616,000 | 6,080,021,000 | 6,109,511,000 |
| Noninterest-bearing deposits | 470,584,000 | 512,368,000 | 556,804,000 | 548,733,000 |
| Equity capital | 913,702,000 | 903,871,000 | 901,894,000 | 894,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 67,184,000 | 134,755,000 | 204,143,000 | 272,822,000 |
| Interest expense | 4,521,000 | 9,017,000 | 13,734,000 | 18,417,000 |
| Net interest income | 62,663,000 | 125,738,000 | 190,409,000 | 254,405,000 |
| Noninterest income | 19,112,000 | 40,420,000 | 61,472,000 | 84,790,000 |
| Noninterest expense | 53,597,000 | 106,325,000 | 158,536,000 | 211,591,000 |
| Provision for loan losses | 3,642,000 | 7,540,000 | 12,506,000 | 18,285,000 |
| Pretax income | 24,550,000 | 52,333,000 | 80,882,000 | 109,371,000 |
| Income tax | 8,245,000 | 17,580,000 | 27,644,000 | 37,894,000 |
| Net income | 16,305,000 | 34,753,000 | 53,238,000 | 71,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 674,890,000 | 668,596,000 | 664,338,000 | 659,894,000 |
| Total capital | 741,575,000 | 734,883,000 | 730,523,000 | 724,238,000 |
| Risk-weighted assets | 6,034,062,000 | 6,195,839,000 | 6,291,342,000 | 6,315,994,000 |