Call reports 2024
NBT BANK, NATIONAL ASSOCIATION — 2024
What NBT BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 13,344,676,000 | 13,403,796,000 | 13,735,327,000 | 13,683,389,000 |
| Total loans | 9,691,340,000 | 9,857,530,000 | 9,910,754,000 | 9,979,654,000 |
| Allowance for loan losses | 115,300,000 | 120,500,000 | 119,500,000 | 116,000,000 |
| Securities available for sale | 1,418,471,000 | 1,439,445,000 | 1,509,338,000 | 1,574,664,000 |
| Securities held to maturity | 890,863,000 | 878,909,000 | 854,941,000 | 842,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,384,172,000 | 11,472,237,000 | 11,798,648,000 | 11,769,051,000 |
| Interest-bearing deposits | 10,507,232,000 | 10,496,636,000 | 10,788,175,000 | 10,813,104,000 |
| Noninterest-bearing deposits | 876,940,000 | 975,601,000 | 1,010,473,000 | 955,947,000 |
| Equity capital | 1,438,760,000 | 1,447,215,000 | 1,495,570,000 | 1,488,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 146,921,000 | 297,668,000 | 453,878,000 | 611,596,000 |
| Interest expense | 48,050,000 | 97,928,000 | 148,757,000 | 196,783,000 |
| Net interest income | 98,871,000 | 199,740,000 | 305,121,000 | 414,813,000 |
| Noninterest income | 26,389,000 | 53,344,000 | 81,224,000 | 108,614,000 |
| Noninterest expense | 80,674,000 | 158,596,000 | 242,101,000 | 330,330,000 |
| Provision for loan losses | 5,579,000 | 14,478,000 | 17,398,000 | 19,607,000 |
| Pretax income | 41,679,000 | 82,980,000 | 129,802,000 | 176,409,000 |
| Income tax | 9,169,000 | 18,255,000 | 28,556,000 | 38,427,000 |
| Net income | 32,510,000 | 64,725,000 | 101,246,000 | 137,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,231,101,000 | 1,240,157,000 | 1,253,416,000 | 1,263,661,000 |
| Total capital | 1,344,759,000 | 1,358,455,000 | 1,371,078,000 | 1,377,868,000 |
| Risk-weighted assets | 10,398,741,000 | 10,558,999,000 | 10,612,894,000 | 10,715,444,000 |