Call reports 2023
NBT BANK, NATIONAL ASSOCIATION — 2023
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 11,758,898,000 | 11,805,399,000 | 13,739,714,000 | 13,217,864,000 |
| Total loans | 8,265,003,000 | 8,359,990,000 | 9,671,488,000 | 9,654,084,000 |
| Allowance for loan losses | 100,250,000 | 100,400,000 | 114,601,000 | 114,400,000 |
| Securities available for sale | 1,512,008,000 | 1,453,926,000 | 1,399,032,000 | 1,430,858,000 |
| Securities held to maturity | 906,824,000 | 912,876,000 | 914,520,000 | 905,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,832,834,000 | 9,690,007,000 | 11,573,438,000 | 11,147,548,000 |
| Interest-bearing deposits | 9,021,292,000 | 8,781,812,000 | 10,598,953,000 | 10,225,942,000 |
| Noninterest-bearing deposits | 811,542,000 | 908,195,000 | 974,485,000 | 921,606,000 |
| Equity capital | 1,230,471,000 | 1,218,736,000 | 1,379,982,000 | 1,435,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 114,177,000 | 234,753,000 | 371,835,000 | 522,736,000 |
| Interest expense | 16,110,000 | 44,512,000 | 83,176,000 | 131,174,000 |
| Net interest income | 98,067,000 | 190,241,000 | 288,659,000 | 391,562,000 |
| Noninterest income | 22,532,000 | 45,831,000 | 71,091,000 | 96,043,000 |
| Noninterest expense | 69,824,000 | 138,637,000 | 218,957,000 | 300,598,000 |
| Provision for loan losses | 3,909,000 | 7,515,000 | 20,148,000 | 25,274,000 |
| Pretax income | 41,968,000 | 80,529,000 | 111,103,000 | 152,499,000 |
| Income tax | 9,527,000 | 18,159,000 | 24,998,000 | 34,823,000 |
| Net income | 32,441,000 | 62,370,000 | 86,105,000 | 117,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,139,925,000 | 1,145,133,000 | 1,211,780,000 | 1,223,551,000 |
| Total capital | 1,240,609,000 | 1,245,867,000 | 1,321,674,000 | 1,333,817,000 |
| Risk-weighted assets | 9,030,442,000 | 9,140,055,000 | 10,431,409,000 | 10,334,328,000 |