Call reports 2019
NBT BANK, NATIONAL ASSOCIATION — 2019
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 9,465,569,000 | 9,567,439,000 | 9,591,370,000 | 9,642,935,000 |
| Total loans | 6,898,837,000 | 6,978,935,000 | 7,031,795,000 | 7,147,829,000 |
| Allowance for loan losses | 71,405,000 | 72,165,000 | 72,365,000 | 72,965,000 |
| Securities available for sale | 951,859,000 | 979,696,000 | 932,173,000 | 975,340,000 |
| Securities held to maturity | 780,565,000 | 744,601,000 | 678,435,000 | 630,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,666,882,000 | 7,643,819,000 | 7,795,723,000 | 7,645,365,000 |
| Interest-bearing deposits | 7,179,899,000 | 7,154,885,000 | 7,295,188,000 | 7,332,948,000 |
| Noninterest-bearing deposits | 486,983,000 | 488,934,000 | 500,535,000 | 312,417,000 |
| Equity capital | 1,080,313,000 | 1,107,074,000 | 1,127,562,000 | 1,141,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 91,342,000 | 184,571,000 | 276,950,000 | 367,523,000 |
| Interest expense | 12,485,000 | 25,951,000 | 39,184,000 | 51,556,000 |
| Net interest income | 78,857,000 | 158,620,000 | 237,766,000 | 315,967,000 |
| Noninterest income | 23,340,000 | 48,047,000 | 73,645,000 | 100,291,000 |
| Noninterest expense | 61,262,000 | 120,110,000 | 182,083,000 | 244,875,000 |
| Provision for loan losses | 5,807,000 | 13,084,000 | 19,408,000 | 25,412,000 |
| Pretax income | 35,100,000 | 73,492,000 | 113,979,000 | 150,019,000 |
| Income tax | 7,895,000 | 16,533,000 | 25,643,000 | 33,602,000 |
| Net income | 27,205,000 | 56,959,000 | 88,336,000 | 116,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 841,264,000 | 859,160,000 | 878,575,000 | 894,407,000 |
| Total capital | 914,048,000 | 932,254,000 | 951,869,000 | 968,301,000 |
| Risk-weighted assets | 7,355,059,000 | 7,469,497,000 | 7,539,706,000 | 7,607,534,000 |