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NBT BANCORP INC   FYE=12 (December)

Annual - Income Statement - Company Specific

Fiscal period2020201920182017201620152014201320122011
Period End Date12/31/202012/31/201912/31/201812/31/201712/31/201612/31/201512/31/201412/31/201312/31/201212/31/2011
Interest and fees on loans and leases307.86321.47300.83267.10250.99241.83243.32238.67208.46204.37
Securities available for sale22.4323.3026.9228.5624.0320.4224.4625.5127.0131.08
Securities held to maturity15.2819.1113.2410.939.859.235.262.662.382.89
Trading securities--------------------
Other2.713.653.272.812.071.752.031.881.561.66
Total interest, fee, and dividend income348.28367.53344.26309.41286.95273.22275.08268.72239.40240.00
Deposits22.0739.9922.1414.4814.3714.2613.6416.2918.8523.02
Long-Term Debt1.551.881.792.303.203.366.5611.7614.4314.40
Short-term borrowings3.419.6910.556.002.310.780.850.520.190.21
Subordinated Debt2.840.000.00--------------
Junior subordinated debentures2.734.434.143.142.632.222.172.081.73--
Trust preferred debentures------------------2.09
Total Interest Expense32.6055.9838.6325.9122.5120.6223.2030.6435.1939.72
Net Interest Income315.68311.56305.63283.49264.44252.61251.88238.08204.20200.28
Provision for loan and lease losses51.1325.4128.8330.9925.4318.2919.5422.4220.2720.74
Net interest income after provision for loan and lease losses264.54286.14276.80252.51239.01234.32232.34215.66183.93179.54
Retirement plan administration fees35.8530.3926.9920.2116.0614.1512.1311.5010.108.92
Service charges on deposit accounts13.2017.1517.2216.7516.7317.0617.9419.3118.2321.46
Net securities gains (losses)(0.39)4.21(6.34)1.87(0.64)3.090.091.430.600.15
Gain on the sale of equity investment------0.82--4.1819.40------
Trust------19.5918.5719.0318.9516.689.178.86
ATM and debit card fees25.9623.8922.7021.3719.4518.2517.1415.5612.3611.64
Other non-interest (loss) income21.9118.8515.2311.9915.9614.1910.5110.5111.415.35
Bank owned life insurance5.745.365.095.185.204.335.353.793.083.09
Broker/ dealer and insurance revenue14.7615.7715.1223.5324.4024.2124.5224.4522.3920.84
Gain on sale of a building--------------------
Wealth management29.2528.4028.75--------------
Total Noninterest Income146.28144.02124.76121.30115.71118.48126.03103.2287.3380.31
Salaries and employee benefits161.93156.87151.69135.22132.06125.63119.67113.58104.8299.21
Advertising2.292.772.782.742.562.652.833.202.893.46
Occupancy21.6322.7122.3221.8120.9422.1022.1320.7217.4216.36
FDIC insurance2.691.954.654.775.115.154.944.963.834.27
Goodwill impairment--------------------
Amortization of intangible assets3.403.584.043.963.934.865.054.873.393.05
Amortization of unidentified intangible assets and goodwill--------------------
Merger, acquisition and reorganization costs--------------12.362.610.80
Writedowns of lease residual values--------------------
Impairment on lease residual assets--------------------
Other24.8624.4419.6020.3117.2923.4020.0919.8916.3614.76
Equipment19.8918.5817.0415.2314.3013.4112.6611.499.638.86
Office supplies and postage6.146.586.206.286.176.376.986.566.496.07
Data processing and communications16.5318.3217.6517.0716.5016.5916.1415.3513.4412.27
Professional fees and outside services15.0814.7914.3813.5013.6213.4114.4313.3110.468.92
Loan collection and other real estate owned3.304.164.224.763.462.623.252.622.562.63
Deposit overdraft write-offs--------------------
Capital securities--------------------
Prepayment penalty on long-term debt------------17.90------
Total Noninterest Expense277.73274.73264.56245.65235.92236.18246.06228.93193.89180.68
Income before income tax expense133.09155.43137.00128.16118.80116.63112.3089.9477.3779.17
Current:Federal36.3628.4815.7635.8430.4932.8726.0623.5421.0129.27
Current:State9.777.655.986.605.634.332.822.321.821.48
Deferred:Federal(14.02)(1.38)2.283.853.992.526.652.33(0.01)(8.13)
Deferred:State(3.41)(0.34)0.42(0.28)0.280.481.700.010.00(1.35)
Income tax expense28.7034.4124.4446.0140.3940.2037.2328.2022.8221.27
Net Income104.39121.02112.5782.1578.4176.4375.0761.7554.5657.90
EARNINGS PER SHARE:Basic2.392.762.581.891.811.741.711.471.631.72
EARNINGS PER SHARE:Diluted2.372.742.561.871.801.721.691.461.621.71
Weighted Average Shares Outstanding (Basic)43.6943.8243.7043.5843.2443.8443.8841.9333.3833.66
Weighted Average Shares Outstanding (Diluted)43.9944.1244.0243.9143.6244.3944.4042.3533.7233.92