Call reports 2018
NBT BANK, NATIONAL ASSOCIATION — 2018
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 9,160,619,000 | 9,388,568,000 | 9,469,594,000 | 9,492,332,000 |
| Total loans | 6,647,124,000 | 6,859,063,000 | 6,892,297,000 | 6,894,652,000 |
| Allowance for loan losses | 70,200,000 | 72,450,000 | 72,805,000 | 72,505,000 |
| Securities available for sale | 1,265,912,000 | 1,192,939,000 | 1,101,074,000 | 998,497,000 |
| Securities held to maturity | 487,126,000 | 544,163,000 | 659,949,000 | 783,599,000 |
| Trading assets | 775,000 | 945,000 | 0 | 0 |
| Total deposits | 7,436,445,000 | 7,383,103,000 | 7,483,312,000 | 7,412,915,000 |
| Interest-bearing deposits | 6,915,681,000 | 6,806,773,000 | 6,904,429,000 | 6,846,639,000 |
| Noninterest-bearing deposits | 520,764,000 | 576,330,000 | 578,883,000 | 566,276,000 |
| Equity capital | 998,803,000 | 1,010,525,000 | 1,026,492,000 | 1,057,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 80,731,000 | 165,464,000 | 253,630,000 | 344,118,000 |
| Interest expense | 6,375,000 | 14,363,000 | 23,952,000 | 34,492,000 |
| Net interest income | 74,356,000 | 151,101,000 | 229,678,000 | 309,626,000 |
| Noninterest income | 23,501,000 | 48,554,000 | 72,108,000 | 96,206,000 |
| Noninterest expense | 58,240,000 | 115,740,000 | 174,967,000 | 236,371,000 |
| Provision for loan losses | 7,496,000 | 16,274,000 | 22,300,000 | 28,828,000 |
| Pretax income | 32,098,000 | 67,564,000 | 104,383,000 | 133,894,000 |
| Income tax | 7,218,000 | 15,198,000 | 23,482,000 | 24,260,000 |
| Net income | 24,880,000 | 52,366,000 | 80,901,000 | 109,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 771,458,000 | 787,778,000 | 808,924,000 | 825,863,000 |
| Total capital | 842,587,000 | 861,157,000 | 882,658,000 | 899,647,000 |
| Risk-weighted assets | 7,124,194,000 | 7,363,497,000 | 7,375,011,000 | 7,411,496,000 |