NBT BANCORP INCNBTB

Market cap
$2.3B
P/E ratio
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,
2022
Dec 31,
2023
Dec 31,
2024
Interest and fees on loans213204208239243242251267301321308302333463553
Securities available for sale-----------23303031
Securities held to maturity432359101113191513182120
Other2222222334324107
Total interest, fee and dividend income256240239269275273287309344368348340384523612
Deposits30231916141414142240221110105187
Short-term borrowings000111261110303269
Interest expense incurred on all long-term debt during the reporting period, excluding junior subordinated debentures.---------220011
Subordinated debt----------35567
Junior subordinated debt422222334432478
Total interest expense--------------212
Net interest income203200204238252253264283306312316321362378400
Provision----------51-8172520
Net interest income after provision for loan losses173180184216232234239253277286265329345353381
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 deposits242118191817171717171313151517
Includes amounts charged to depositors for card services.------------292122
Includes amounts charged to customers for administration of retirement plans.10910111214162027303642484757
Includes amounts charged to customers for wealth management.----------2934333542
Insurance services----------1514151617
Bank owned life insurance income333454555566678
Net securities gains (losses)---------64-01-1-93
Other6511111114161215192216111111
Total noninterest income848087103126118116121125144146158156142177
Salaries and employee benefits9499105114120124130134152157162173188194232
Technology and data services121213151617161718181717363839
Occupancy151617212222212222232222262831
Professional fees and outside services9910131413141314151516171819
Office supplies and postage666776666766678
FDIC assessment644555555233367
Advertising333333333323333
Amortization of intangible assets333555444433258
Includes expenses incurred to support loan collection efforts and administration of other real estate owned.333333354433333
Acquisition expenses--312---------102
Other131616202025202220242520203026
Total noninterest expense178181194229246236236246265275278287304342378
Income before income tax expense-----------200196153179
Total income tax expense212123283740404624342945443539
Net income5758556275767882113121104155152119141
Basic (in dollars per share)1.671.721.631.471.711.741.811.892.582.762.393.573.542.672.98
Diluted (in dollars per share)1.661.711.621.461.691.721.81.872.562.742.373.543.522.652.97