NBT BANCORP INCNBTB

Market cap
$2.1B
P/E ratio
1075.9x
Dec 31,
2010
Dec 31,
2011
Dec 31,
2012
Dec 31,
2013
Dec 31,
2014
Dec 31,
2015
Dec 31,
2016
Dec 31,
2017
Dec 31,
2018
Dec 31,
2019
Dec 31,
2020
Dec 31,
2021
Dec 31,
2023
Interest and fees on loans213204208239243242251267301321308302463
Securities available for sale-----------2330
Securities held to maturity43235910111319151321
Other22222223343210
Interest, dividends and other income256240239269275273287309344368348340523
Deposits302319161414141422402211105
Short-term borrowings0001112611103026
Interest expense incurred on all long-term debt during the reporting period, excluding junior subordinated debentures.---------2201
Subordinated debt----------356
Junior subordinated debt4222223344327
Total interest expense534035312321232639563319145
Net interest income203200204238252253264283306312316321378
Provision----------51-825
Net interest income after provision for loan losses173180184216232234239253277286265329353
Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from non-transaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (9) issuing stop payment orders; (10) certifying checks; and (11) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits24211819181717171717131315
Includes amounts charged to depositors for card services.------------21
Includes amounts charged to customers for administration of retirement plans.1091011121416202730364247
Includes amounts charged to customers for wealth management.----------293435
Insurance services----------151416
Bank owned life insurance income3334545555667
Net security losses (gains)---------64-01-9
Other651111111416121519221611
Total noninterest income848087103126118116121125144146158142
Salaries and employee benefits9499105114120124130134152157162173194
Technology and data services12121315161716171818171738
Occupancy15161721222221222223222228
Professional fees and outside services991013141314131415151618
Office supplies and postage6667766667667
FDIC assessment6445555552336
Advertising3333333333233
Amortization of intangible assets3335554444335
Includes expenses incurred to support loan collection efforts and administration of other real estate owned.3333333544333
Merger and acquisition integration related expenses--312--------10
Other13161620202520222024252030
Total noninterest expense178181194229246236236246265275278287342
Income before income tax expense78797790112117119128137155133200153
Income tax expense (benefit)21212328374040462434294535
Net income5758556275767882113121104155119
Basic EPS (in dollars per share)1.671.721.631.471.711.741.811.892.582.762.393.572.67
Diluted EPS (in dollars per share)1.661.711.621.461.691.721.81.872.562.742.373.542.65