Call reports 2017
NBT BANK, NATIONAL ASSOCIATION — 2017
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 8,870,623,000 | 9,001,319,000 | 9,080,973,000 | 9,060,824,000 |
| Total loans | 6,272,303,000 | 6,367,910,000 | 6,466,933,000 | 6,584,773,000 |
| Allowance for loan losses | 65,700,000 | 66,600,000 | 68,350,000 | 69,500,000 |
| Securities available for sale | 1,352,483,000 | 1,350,598,000 | 1,341,989,000 | 1,245,860,000 |
| Securities held to maturity | 515,792,000 | 515,627,000 | 494,310,000 | 484,073,000 |
| Trading assets | 300,000 | 278,000 | 281,000 | 222,000 |
| Total deposits | 7,216,040,000 | 7,048,453,000 | 7,267,562,000 | 7,215,745,000 |
| Interest-bearing deposits | 6,661,393,000 | 6,454,835,000 | 6,668,321,000 | 6,639,240,000 |
| Noninterest-bearing deposits | 554,647,000 | 593,618,000 | 599,241,000 | 576,505,000 |
| Equity capital | 969,191,000 | 981,005,000 | 992,042,000 | 995,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 74,267,000 | 150,026,000 | 228,725,000 | 308,808,000 |
| Interest expense | 5,220,000 | 10,723,000 | 16,831,000 | 22,776,000 |
| Net interest income | 69,047,000 | 139,303,000 | 211,894,000 | 286,032,000 |
| Noninterest income | 22,120,000 | 45,722,000 | 69,470,000 | 91,849,000 |
| Noninterest expense | 56,656,000 | 111,403,000 | 167,693,000 | 223,687,000 |
| Provision for loan losses | 7,379,000 | 14,946,000 | 22,835,000 | 30,988,000 |
| Pretax income | 27,132,000 | 58,677,000 | 90,834,000 | 123,205,000 |
| Income tax | 9,250,000 | 19,817,000 | 30,637,000 | 42,750,000 |
| Net income | 17,882,000 | 38,860,000 | 60,197,000 | 80,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 734,505,000 | 740,327,000 | 751,486,000 | 756,521,000 |
| Total capital | 801,071,000 | 807,793,000 | 820,765,000 | 826,950,000 |
| Risk-weighted assets | 6,810,523,000 | 6,926,652,000 | 6,990,184,000 | 7,045,307,000 |