Call reports 2016
NBT BANK, NATIONAL ASSOCIATION — 2016
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 8,408,698,000 | 8,564,861,000 | 8,699,767,000 | 8,792,872,000 |
| Total loans | 5,967,809,000 | 6,039,393,000 | 6,160,185,000 | 6,198,057,000 |
| Allowance for loan losses | 64,318,000 | 64,568,000 | 65,668,000 | 65,200,000 |
| Securities available for sale | 1,244,287,000 | 1,256,945,000 | 1,272,742,000 | 1,321,613,000 |
| Securities held to maturity | 466,914,000 | 500,840,000 | 485,877,000 | 527,948,000 |
| Trading assets | 329,000 | 323,000 | 328,000 | 290,000 |
| Total deposits | 6,935,171,000 | 6,772,833,000 | 6,983,933,000 | 7,003,515,000 |
| Interest-bearing deposits | 6,432,547,000 | 6,218,065,000 | 6,371,372,000 | 6,465,704,000 |
| Noninterest-bearing deposits | 502,624,000 | 554,768,000 | 612,561,000 | 537,811,000 |
| Equity capital | 920,149,000 | 932,267,000 | 949,726,000 | 956,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 69,814,000 | 141,046,000 | 213,396,000 | 286,325,000 |
| Interest expense | 4,756,000 | 9,718,000 | 14,908,000 | 19,885,000 |
| Net interest income | 65,058,000 | 131,328,000 | 198,488,000 | 266,440,000 |
| Noninterest income | 20,538,000 | 42,609,000 | 64,517,000 | 87,307,000 |
| Noninterest expense | 52,958,000 | 107,227,000 | 160,384,000 | 212,703,000 |
| Provision for loan losses | 6,098,000 | 10,878,000 | 17,266,000 | 25,431,000 |
| Pretax income | 26,569,000 | 55,862,000 | 85,385,000 | 114,316,000 |
| Income tax | 9,030,000 | 18,989,000 | 29,027,000 | 38,812,000 |
| Net income | 17,539,000 | 36,873,000 | 56,358,000 | 75,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 676,176,000 | 685,752,000 | 705,677,000 | 723,992,000 |
| Total capital | 741,820,000 | 751,654,000 | 772,686,000 | 790,033,000 |
| Risk-weighted assets | 6,469,592,000 | 6,582,794,000 | 6,703,323,000 | 6,725,689,000 |