Call reports 2020
NBT BANK, NATIONAL ASSOCIATION — 2020
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 9,881,107,000 | 10,763,699,000 | 10,761,572,000 | 10,841,317,000 |
| Total loans | 7,253,858,000 | 7,644,138,000 | 7,562,466,000 | 7,500,004,000 |
| Allowance for loan losses | 100,000,000 | 113,500,000 | 114,500,000 | 110,000,000 |
| Securities available for sale | 1,000,980,000 | 1,108,443,000 | 1,197,925,000 | 1,348,698,000 |
| Securities held to maturity | 621,359,000 | 599,164,000 | 663,088,000 | 616,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,917,688,000 | 8,858,766,000 | 9,006,325,000 | 9,132,452,000 |
| Interest-bearing deposits | 7,277,145,000 | 8,172,676,000 | 8,285,489,000 | 8,399,356,000 |
| Noninterest-bearing deposits | 640,543,000 | 686,090,000 | 720,836,000 | 733,096,000 |
| Equity capital | 1,150,193,000 | 1,269,763,000 | 1,288,372,000 | 1,306,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 89,399,000 | 176,845,000 | 261,838,000 | 348,279,000 |
| Interest expense | 11,294,000 | 17,471,000 | 22,581,000 | 27,030,000 |
| Net interest income | 78,105,000 | 159,374,000 | 239,257,000 | 321,249,000 |
| Noninterest income | 26,152,000 | 50,402,000 | 76,252,000 | 103,262,000 |
| Noninterest expense | 63,369,000 | 118,924,000 | 178,616,000 | 244,448,000 |
| Provision for loan losses | 29,640,000 | 48,480,000 | 51,741,000 | 51,134,000 |
| Pretax income | 11,263,000 | 42,440,000 | 85,229,000 | 129,025,000 |
| Income tax | 1,787,000 | 8,396,000 | 18,228,000 | 27,688,000 |
| Net income | 9,476,000 | 34,044,000 | 67,001,000 | 101,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 896,743,000 | 1,013,661,000 | 1,033,766,000 | 1,054,097,000 |
| Total capital | 992,201,000 | 1,109,214,000 | 1,129,570,000 | 1,150,544,000 |
| Risk-weighted assets | 7,768,490,000 | 7,634,368,000 | 7,653,978,000 | 7,708,739,000 |