Call reports 2021
NBT BANK, NATIONAL ASSOCIATION — 2021
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 11,442,656,000 | 11,477,554,000 | 11,905,119,000 | 11,919,970,000 |
| Total loans | 7,634,754,000 | 7,519,031,000 | 7,567,466,000 | 7,499,289,000 |
| Allowance for loan losses | 105,000,000 | 98,500,000 | 93,000,000 | 92,000,000 |
| Securities available for sale | 1,387,028,000 | 1,534,733,000 | 1,576,030,000 | 1,687,361,000 |
| Securities held to maturity | 592,999,000 | 622,351,000 | 683,103,000 | 733,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,863,095,000 | 9,819,554,000 | 10,250,613,000 | 10,337,565,000 |
| Interest-bearing deposits | 9,114,047,000 | 9,019,982,000 | 9,426,648,000 | 9,537,946,000 |
| Noninterest-bearing deposits | 749,048,000 | 799,572,000 | 823,965,000 | 799,619,000 |
| Equity capital | 1,311,152,000 | 1,357,677,000 | 1,356,530,000 | 1,316,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 84,310,000 | 168,354,000 | 250,568,000 | 339,875,000 |
| Interest expense | 3,367,000 | 6,348,000 | 9,012,000 | 11,260,000 |
| Net interest income | 80,943,000 | 162,006,000 | 241,556,000 | 328,615,000 |
| Noninterest income | 25,158,000 | 53,091,000 | 81,232,000 | 108,829,000 |
| Noninterest expense | 59,373,000 | 122,258,000 | 186,041,000 | 251,756,000 |
| Provision for loan losses | -2,796,000 | -8,012,000 | -11,354,000 | -8,257,000 |
| Pretax income | 49,517,000 | 100,857,000 | 148,131,000 | 193,968,000 |
| Income tax | 10,945,000 | 22,930,000 | 33,700,000 | 44,035,000 |
| Net income | 38,572,000 | 77,927,000 | 114,431,000 | 149,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,074,979,000 | 1,113,093,000 | 1,116,304,000 | 1,087,990,000 |
| Total capital | 1,171,088,000 | 1,207,516,000 | 1,206,250,000 | 1,176,998,000 |
| Risk-weighted assets | 7,685,531,000 | 7,899,738,000 | 8,033,011,000 | 8,145,747,000 |