NBT Bancorp Inc. (NBTB)

NBT Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	482.46	105.59	197.35	1,269	672.68	216.84
Investment Securities	916.96	915.96	873.2	916.46	660.66	232.1
Trading Asset Securities	80.49	95.99	117.29	60.46	108.78	41.77
Mortgage-Backed Securities	1,489	1,461	1,604	1,538	1,335	1,401
Total Investments	2,487	2,473	2,595	2,515	2,105	1,675
Gross Loans	9,980	9,749	8,259	7,522	7,499	7,136
Allowance for Loan Losses	-119.5	-114.4	-100.8	-92	-110	-72.97
Other Adjustments to Gross Loans	-72.8	-98.2	-109.1	-23.7	-	-
Net Loans	9,788	9,536	8,049	7,406	7,389	7,063
Property, Plant & Equipment	80.13	107.38	92.95	95.39	100.61	110.43
Goodwill	362.01	361.85	281.2	280.54	280.54	274.77
Other Intangible Assets	35.84	40.44	7.34	8.93	11.74	12.02
Loans Held for Sale	3.71	3.37	0.56	0.83	1.12	11.73
Accrued Interest Receivable	42.1	42.7	33	26.1	29.7	-
Restricted Cash	-	99.6	-	-	-	-
Other Real Estate Owned & Foreclosed	0.13	-	0.11	0.17	1.46	1.46
Other Long-Term Assets	558.89	538.89	482.62	410.05	341.41	350.59
Total Assets	13,840	13,309	11,739	12,012	10,933	9,716
Interest Bearing Deposits	8,112	7,292	5,830	6,473	5,736	5,033
Institutional Deposits	-	263.1	48.4	72.3	104.1	140.4
Non-Interest Bearing Deposits	3,476	3,414	3,617	3,690	3,241	2,414
Total Deposits	11,588	10,969	9,496	10,234	9,082	7,588
Short-Term Borrowings	285.19	482.53	702.27	158.06	277.03	697.05
Current Portion of Long-Term Debt	-	-	-	10.6	25	25
Current Portion of Leases	-	7.1	-	-	-	-
Long-Term Debt	150.51	149.54	101.74	101.89	112.15	39.21
Long-Term Leases	-	21.12	25.6	27.6	32.8	37.3
Trust Preferred Securities	101.2	101.2	101.2	101.2	101.2	101.2
Pension & Post-Retirement Benefits	-	21.33	20.94	25.14	26.69	27.36
Other Long-Term Liabilities	192.4	131.54	118.06	102.71	88.73	80.59
Total Liabilities	12,318	11,883	10,566	10,762	9,745	8,596
Common Stock	0.54	0.54	0.5	0.5	0.5	0.5
Additional Paid-In Capital	742.52	740.94	577.85	576.98	578.08	576.71
Retained Earnings	1,080	1,022	958.43	856.2	749.06	696.21
Treasury Stock	-175.59	-176.69	-173.2	-159.88	-140.43	-134
Comprehensive Income & Other	-125.74	-160.93	-190.03	-23.34	0.42	-19.03
Shareholders' Equity	1,522	1,426	1,174	1,250	1,188	1,120
Total Liabilities & Equity	13,840	13,309	11,739	12,012	10,933	9,716
Total Debt	536.89	761.49	930.81	399.34	548.18	899.76
Net Cash (Debt)	26.05	-559.91	-616.16	930.19	233.28	-641.15
Net Cash Growth	-	-	-	298.74%	-	-
Net Cash Per Share	0.55	-12.51	-14.27	21.28	5.30	-14.53
Filing Date Shares Outstanding	47.18	47.15	42.9	43.17	43.58	43.84
Total Common Shares Outstanding	47.18	47.11	42.86	43.17	43.63	43.8
Book Value Per Share	32.26	30.26	27.38	28.97	27.22	25.58
Tangible Book Value	1,124	1,023	885.01	960.99	895.34	833.61
Tangible Book Value Per Share	23.83	21.72	20.65	22.26	20.52	19.03

Source: S&P Capital IQ. Banks template. Financial Sources.