Call reports 2022
NBT BANK, NATIONAL ASSOCIATION — 2022
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 12,056,632,000 | 11,628,778,000 | 11,548,830,000 | 11,659,908,000 |
| Total loans | 7,650,089,000 | 7,777,809,000 | 7,904,871,000 | 8,150,709,000 |
| Allowance for loan losses | 90,000,000 | 93,600,000 | 96,800,000 | 100,800,000 |
| Securities available for sale | 1,662,697,000 | 1,619,356,000 | 1,556,501,000 | 1,527,225,000 |
| Securities held to maturity | 895,005,000 | 936,512,000 | 929,541,000 | 919,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,571,098,000 | 10,147,232,000 | 10,049,165,000 | 9,636,267,000 |
| Interest-bearing deposits | 9,794,374,000 | 9,315,059,000 | 9,151,387,000 | 8,743,734,000 |
| Noninterest-bearing deposits | 776,724,000 | 832,173,000 | 897,778,000 | 892,533,000 |
| Equity capital | 1,259,107,000 | 1,236,848,000 | 1,190,388,000 | 1,206,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 84,201,000 | 175,684,000 | 274,895,000 | 384,058,000 |
| Interest expense | 1,945,000 | 3,747,000 | 6,084,000 | 12,707,000 |
| Net interest income | 82,256,000 | 171,937,000 | 268,811,000 | 371,351,000 |
| Noninterest income | 28,608,000 | 56,922,000 | 80,817,000 | 102,678,000 |
| Noninterest expense | 63,433,000 | 130,062,000 | 197,702,000 | 266,393,000 |
| Provision for loan losses | 596,000 | 4,986,000 | 9,470,000 | 17,147,000 |
| Pretax income | 46,640,000 | 93,451,000 | 141,941,000 | 189,976,000 |
| Income tax | 10,502,000 | 21,034,000 | 32,096,000 | 43,080,000 |
| Net income | 36,138,000 | 72,417,000 | 109,845,000 | 146,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,097,680,000 | 1,108,328,000 | 1,121,094,000 | 1,133,481,000 |
| Total capital | 1,186,446,000 | 1,200,934,000 | 1,217,125,000 | 1,233,327,000 |
| Risk-weighted assets | 8,316,523,000 | 8,538,697,000 | 8,739,800,000 | 8,976,603,000 |