0001140361-23-019904.txt : 20230424 0001140361-23-019904.hdr.sgml : 20230424 20230424163036 ACCESSION NUMBER: 0001140361-23-019904 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230424 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230424 DATE AS OF CHANGE: 20230424 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NBT BANCORP INC CENTRAL INDEX KEY: 0000790359 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 161268674 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-14703 FILM NUMBER: 23840466 BUSINESS ADDRESS: STREET 1: 52 S BROAD ST CITY: NORWICH STATE: NY ZIP: 13815 BUSINESS PHONE: 6073372265 MAIL ADDRESS: STREET 1: 52 S. BROAD STREET CITY: NORWICH STATE: NY ZIP: 13815 8-K 1 brhc20051774_8k.htm 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 WASHINGTON, D.C. 20549


FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 24, 2023


NBT BANCORP INC.
(Exact name of registrant as specified in its charter)

 Delaware
  
000-14703
  
 16-1268674
(State or other jurisdiction of incorporation or organization)
  
(Commission File Number)
  
(I.R.S. Employer Identification No.)

52 South Broad Street, Norwich, New York 13815
(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (607) 337-2265

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class
  
Trading Symbol
  
Name of exchange on which registered
Common Stock, par value $0.01 per share
  
NBTB
  
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02
Results of Operations and Financial Condition

On April 24, 2023, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended March 31, 2023. That press release is furnished as Exhibit 99.1 hereto. A conference call will be held at 8:30 a.m. Eastern Time on Tuesday, April 25, 2023, to review the first quarter 2023 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Event Calendar page of the Company’s website at www.nbtbancorp.com.
 
Item 9.01
Financial Statements and Exhibits.
 
(a)
Not applicable.
(b)
Not applicable.
(c)
Not applicable.
(d)
Exhibits.
 
Exhibit No.
  
Description
  
   
Press release of NBT Bancorp Inc. April 24, 2023
   
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 
NBT BANCORP INC.
     
Date: April 24, 2023
By:
/s/ Scott A. Kingsley
   
Scott A. Kingsley


Executive Vice President and Chief Financial Officer


EX-99.1 2 brhc20051774_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1

1

FOR IMMEDIATE RELEASE
ATTENTION: FINANCIAL AND BUSINESS EDITORS

Contact:
John H. Watt, Jr., President and CEO
 
Scott A. Kingsley, Executive Vice President and CFO
 
NBT Bancorp Inc.
 
52 South Broad Street
 
Norwich, NY 13815
 
607-337-6589

NBT BANCORP INC. ANNOUNCES FIRST QUARTER NET INCOME OF $33.7 MILLION ($0.78 PER DILUTED COMMON SHARE)

NORWICH, NY (April 24, 2023) – NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three months ended March 31, 2023.
 
Net income for the three months ended March 31, 2023 was $33.7 million, or $0.78 per diluted common share, compared to $39.1 million, or $0.90 per diluted share, for the three months ended March 31, 2022, and $36.1 million, or $0.84 per diluted share, in the fourth quarter of 2022.
 

 ◾
Excluding the impact of securities losses and acquisition expenses, the Company generated $0.88 per diluted share of earnings in the first quarter of 2023, compared to $0.86 per share in the fourth quarter of 2022 and $0.91 per share in the first quarter of 2022.

◾
Net interest income in the first quarter of 2023 increased 18% in comparison to the first quarter of 2022, primarily due to higher yields on earning assets due to increases in the Federal Reserve’s targeted Federal Funds rate as well as the new loan volume pricing, which was partially offset by the higher cost of interest-bearing liabilities. The first quarter of 2022 also included $2.0 million ($0.04 per diluted share) of income from the Paycheck Protection Program (“PPP”).

◾
The Company recorded a provision for loan losses of $3.9 million ($0.07 per diluted share) in the first quarter of 2023, compared to $0.6 million ($0.01 per diluted share) in the first quarter of 2022.

◾
First quarter card services income was approximately $4.0 million ($0.07 per diluted share) lower than last year’s first quarter driven by the impact of the statutory price cap provisions of the Durbin Amendment to the Dodd-Frank Act (“Durbin Amendment”) beginning in the third quarter of 2022.

◾
In the first quarter of 2023, the Company incurred a $5.0 million ($0.09 per diluted share) securities loss on the write-off of a subordinated debt security of a failed bank.

◾
The Company incurred acquisition expenses of $0.6 million ($0.01 per diluted share) and $1.0 million ($0.02 per diluted share) related to the pending merger with Salisbury Bancorp, Inc. (“Salisbury”) in the first quarter of 2023 and the fourth quarter of 2022, respectively.

CEO Comments

“NBT’s first quarter results reflect the strength of our balance sheet and our consistent and traditional banking franchise,” said NBT President and CEO John H. Watt, Jr. “During a quarter characterized by heightened market volatility, we grew loans and deposits, maintained strong asset quality, increased our capital position and continued to deliver high-quality and timely customer service,” added Watt. “We were also pleased to announce that the shareholders of Salisbury voted overwhelmingly to approve our proposed merger. The merger is expected to close late in the second quarter, subject to customary closing conditions, including receipt of required regulatory approvals,” said Watt.
 
2
First Quarter Financial Highlights
 
Net Income
◾        Net income of $33.7 million
◾        Diluted earnings per share of $0.78
◾        Excluding acquisition expenses and securities losses, diluted earnings per share of $0.88
Net Interest Income / NIM
◾        Net interest income on a fully taxable equivalent (“FTE”) basis was $95.5 million1
◾        Net interest margin (“NIM”) on an FTE basis was 3.55%1, down 13 basis points (“bps”) from the prior quarter
◾        Earning asset yields of 4.26%, up 24 bps from the prior quarter
◾        Total cost of funds of 0.75%, up 38 bps from the prior quarter
Noninterest Income
◾        Noninterest income was $36.4 million, excluding securities losses and was 27.7% of total revenue
Loans and Credit Quality
◾        Period end total loans of $8.26 billion at March 31, 2023, up $114.4 million, or 1.4%, from December 31, 2022
◾        Net charge-offs to average loans was 0.19%, annualized
◾        Nonperforming loans to total loans was 0.23%, down from 0.26% in the prior quarter and 0.36% in the first quarter of 2022
◾        Allowance for loan losses to total loans of 1.21%
Deposits
◾        Deposits were $9.68 billion as of March 31, 2023, up 2% from December 31, 2022
◾        Total cost of deposits was 0.47% for the first quarter of 2023, up 30 bps from the prior quarter
◾        Deposit composition is diverse and granular with over 521,000 accounts with an average per account balance of $18,554
Capital
◾        Stockholders’ equity was $1.21 billion as of March 31, 2023
◾        Tangible book value per share2 was $21.52 at March 31, 2023, 4.2% higher than fourth quarter of 2022 and 1.3% higher than the first quarter of 2022
◾        Tangible equity to assets of 7.99%1
◾        CET1 ratio of 12.28%; Leverage ratio of 10.43%

Loans


 ◾
Period end total loans were $8.26 billion at March 31, 2023 and $8.15 billion at December 31, 2022.

◾
Period end loans increased $114.4 million from December 31, 2022. Commercial and industrial loans increased $12.3 million to $1.28 billion; commercial real estate loans increased $37.7 million to $2.85 billion; and total consumer loans increased $64.5 million to $4.14 billion.

◾
Commercial line of credit utilization rate was 22% at March 31, 2023, compared to 21% at December 31, 2022 and 23% at March 31, 2022.

Deposits


 ◾
Total deposits at March 31, 2023 were $9.68 billion, compared to $9.50 billion at December 31, 2022. The increase in deposits was concentrated in time and money market accounts with seasonal municipal deposit inflows during the quarter.

◾
Loan to deposit ratio was 85.4% at March 31, 2023, compared to 85.8% at December 31, 2022.

3
Net Interest Income and Net Interest Margin
 

 ◾
Net interest income for the first quarter of 2023 was $95.1 million, which was down $4.7 million, or 4.7%, from the fourth quarter of 2022 and up $14.7 million, or 18.3%, from the first quarter of 2022, and included two less days in the quarter compared to the fourth quarter.

◾
The NIM on an FTE basis for the first quarter of 2023 was 3.55%, down 13 bps from the fourth quarter of 2022 driven by the increase in yields on interest-bearing deposits, as well as higher balances in short-term borrowings and the rates paid on those borrowings. The NIM on an FTE basis was up 60 bps from the first quarter of 2022 due to higher earning asset yields partially offset by higher cost of interest-bearing liabilities.

◾
Earning asset yields for the three months ended March 31, 2023 were up 24 bps from the prior quarter and up 117 bps from the same quarter in the prior year. Earning assets grew $108.8 million, or 1.0%, from the fourth quarter of 2022, or 4.1% annualized. The following are highlights comparing the first quarter of 2023 to the prior quarter:

o
Loan yields increased 28 bps to 5.00%.

o
Average short-term borrowings increased $162.4 million, quarter over quarter.

◾
Total cost of deposits, including noninterest bearing deposits, was 0.47% for the first quarter of 2023, up 30 bps from the prior quarter and up 40 bps from the same period in the prior year.

◾
Total cost of funds for the three months ended March 31, 2023 was 0.75%, up 38 bps from the prior quarter and up 60 bps from the first quarter of 2022.

Asset Quality and Allowance for Loan Losses


 ◾
Net charge-offs to total average loans was 19 bps compared to 18 bps in the prior quarter and 14 bps in the first quarter of 2022. The increase in net charge-offs from the first quarter of 2022 was from higher charge-offs in the Company’s other consumer portfolio, which is in a run-off status.

◾
Nonperforming assets to total assets were 0.16% at March 31, 2023, compared to 0.18% at December 31, 2022 and 0.23% at March 31, 2022.

◾
Provision expense for the three months ended March 31, 2023 was $3.9 million with net charge-offs of $3.8 million. Provision expense was $3.8 million lower than the fourth quarter of 2022 and $3.3 million higher than the first quarter of 2022. The decrease in provision expense from the fourth quarter of 2022 was due to a lower level of loan growth in the first quarter, generally stable economic forecasts and portfolio mix composition and quality.

◾
The allowance for loan losses was $100.3 million, or 1.21% of total loans, at March 31, 2023, compared to 1.24% of total loans at December 31, 2022 and 1.18% of total loans at March 31, 2022. The adoption of the accounting changes for troubled debt restructurings on January 1, 2023 reduced the allowance for loan losses by $0.6 million to $100.2 million, or 1.22% of total loans. The reserve for unfunded loan commitments decreased to $4.5 million at March 31, 2023 compared to the prior quarter-end at $5.1 million and to $4.8 million at March 31, 2022.

Noninterest Income
 

 ◾
Total noninterest income, excluding securities losses, was $36.4 million for the three months ended March 31, 2023, up $2.1 million from the fourth quarter and down $6.4 million from the prior year’s first quarter.

◾
Card services income was comparable to the prior quarter and approximately $4 million lower than the first quarter of 2022 driven by the impact on debit interchange revenues from the statutory price cap provisions of the Durbin Amendment.

◾
Retirement plan administration fees were seasonally higher than the fourth quarter of 2022 and were lower than the first quarter of 2022 driven by market performance and a decrease in activity-based fees which were primarily statutory plan document restatement requirements.

◾
Wealth management fees were comparable to the prior quarter, but lower than the first quarter of 2022 driven primarily by a decline in market performance.

◾
In the first quarter of 2023, the Company recorded a $5.0 million ($0.09 per diluted share) securities loss related to the write-off of a subordinated debt security of a failed bank.

4
Noninterest Expense


 ◾
Total noninterest expense, excluding $0.6 million of acquisition expenses in the first quarter of 2023 and $1.0 million in the fourth quarter of 2022, was comparable to the previous quarter and up 9.1% from the first quarter of 2022.

◾
Salaries and benefits increased 1.9% from the prior quarter driven by seasonally higher payroll taxes, seasonally higher stock-based compensation expenses and merit pay increases. The increase from the first quarter of 2022 was driven by increased salaries and wages, including merit pay increases and higher benefit plan expenses and staff additions.

◾
Technology and data services expenses were comparable with the prior quarter and increased from the first quarter of 2022 due to continued investment in digital platform solutions.

◾
Occupancy costs increased from the prior quarter and the first quarter of 2022 driven by seasonal costs including utility expenses.

◾
Professional fees and outside services expenses were lower than the prior quarter due to seasonal expenses and timing of external services for several tactical and strategic initiatives incurred in the prior quarter and were comparable to the first quarter of 2022.

◾
FDIC assessment expense increased $0.6 million ($0.01 per diluted share) from the prior quarter and the first quarter of 2022 driven by the statutory increase in the FDIC assessment rate.

◾
Loan collection and other real estate owned were comparable to the prior quarter and higher than the first quarter of 2022 due to an offsetting gain on the sale of a property in the first quarter of 2022.

◾
Other expenses declined from the seasonally higher linked fourth quarter of 2022. The first quarter of 2023 was $2.0 million higher than the prior year first quarter due to the increase in actuarially determined amortization expense related to the Company’s retirement plans and higher travel and training expenses due to increased activity compared to the pandemic-impacted first quarter of 2022.

Income Taxes


 ◾
The effective tax rate was 22.2% for the first quarter of 2023, compared to 22.6% for the fourth quarter of 2022 and 22.2% for the first quarter of 2022.

Capital


 ◾
Capital ratios remain strong with tangible common equity to tangible assets1 at 7.99%. Tangible book value per share2 was $21.52 at March 31, 2023, $20.65 at December 30, 2022 and $21.25 at March 31, 2022.

◾
Stockholders’ equity increased $38.1 million from December 31, 2022 driven by net income generation of $33.7 million and a $16.1 million increase in accumulated other comprehensive income due primarily to the change in the market value of securities available for sale, partly offset by dividends declared of $12.9 million.

◾
March 31, 2023, CET1 capital ratio of 12.28%, leverage ratio of 10.43% and total risk-based capital ratio of 15.53%.

5
Conference Call and Webcast

The Company will host a conference call at 8:30 a.m. (Eastern) Tuesday, April 25, 2023, to review first quarter 2023 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Company’s Event Calendar page at https://www.nbtbancorp.com/bn/presentations-events.html#events and will be archived for twelve months.
 
Corporate Overview

NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY, with total assets of $11.84 billion at March 31, 2023. The Company primarily operates through NBT Bank, N.A., a full-service community bank, and through two financial services companies. NBT Bank, N.A. has 140 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. EPIC Retirement Plan Services, based in Rochester, NY, is a national benefits administration firm. NBT Insurance Agency, LLC, based in Norwich, NY, is a full-service insurance agency. More information about NBT and its divisions is available online at: www.nbtbancorp.com, www.nbtbank.com, www.epicrps.com and www.nbtinsurance.com.

Forward-Looking Statements
 
This press release contains forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. These statements may be identified by the use of phrases such as “anticipate,” “believe,” “expect,” “forecasts,” “projects,” “will,” “can,” “would,” “should,” “could,” “may,” or other similar terms. There are a number of factors, many of which are beyond the Company’s control, that could cause actual results to differ materially from those contemplated by the forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among others, the following possibilities: (1) local, regional, national and international economic conditions and the impact they may have on the Company and its customers and the Company’s assessment of that impact; (2) changes in the level of nonperforming assets and charge-offs; (3) changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; (4) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board (“FRB”); (5) inflation, interest rate, securities market and monetary fluctuations; (6) political instability; (7) acts of war, including international military conflicts, or terrorism; (8) the timely development and acceptance of new products and services and perceived overall value of these products and services by users; (9) changes in consumer spending, borrowings and savings habits; (10) changes in the financial performance and/or condition of the Company’s borrowers; (11) technological changes; (12) acquisitions and integration of acquired businesses; (13) the ability to increase market share and control expenses; (14) changes in the competitive environment among financial holding companies; (15) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which the Company and its subsidiaries must comply, including those under the Dodd-Frank Act, Economic Growth, Regulatory Relief, Consumer Protection Act of 2018, Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), and other legislative and regulatory responses to the coronavirus (“COVID-19”) pandemic; (16) the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board (“FASB”) and other accounting standard setters; (17) changes in the Company’s organization, compensation and benefit plans; (18) the costs and effects of legal and regulatory developments, including the resolution of legal proceedings or regulatory or other governmental inquiries, and the results of regulatory examinations or reviews; (19) greater than expected costs or difficulties related to the integration of new products and lines of business; (20) the adverse impact on the U.S. economy, including the markets in which we operate, of the COVID-19 global pandemic; and (21) the Company’s success at managing the risks involved in the foregoing items.

6
The Company cautions readers not to place undue reliance on any forward-looking statements, which speak only as of the date made, and advises readers that various factors including, but not limited to, those described above and other factors discussed in the Company’s annual and quarterly reports previously filed with the SEC, could affect the Company’s financial performance and could cause the Company’s actual results or circumstances for future periods to differ materially from those anticipated or projected.

Unless required by law, the Company does not undertake, and specifically disclaims any obligations to, publicly release any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Non-GAAP Measures

This press release contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Where non-GAAP disclosures are used in this press release, the comparable GAAP measure, as well as a reconciliation to the comparable GAAP measure, is provided in the accompanying tables. Management believes that these non-GAAP measures provide useful information that is important to an understanding of the results of the Company’s core business as well as provide information standard in the financial institution industry. Non-GAAP measures should not be considered a substitute for financial measures determined in accordance with GAAP and investors should consider the Company’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Amounts previously reported in the consolidated financial statements are reclassified whenever necessary to conform to current period presentation.

7
NBT Bancorp Inc. and Subsidiaries
                              
Selected Financial Data
                              
(unaudited, dollars in thousands except per share data)
                              
                               
   
2023
    
2022
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Profitability:
                              
Diluted earnings per share
  
$
0.78
    
$
0.84
    
$
0.90
    
$
0.88
    
$
0.90
  
Weighted average diluted common shares outstanding
    
43,125,986
      
43,144,666
      
43,110,932
      
43,092,851
      
43,385,451
  
Return on average assets3
    
1.16
%
    
1.23
%
    
1.33
%
    
1.28
%
    
1.32
%
Return on average equity3
    
11.47
%
    
12.30
%
    
12.87
%
    
12.73
%
    
12.78
%
Return on average tangible common equity1 3
    
15.31
%
    
16.54
%
    
17.12
%
    
17.00
%
    
16.87
%
Net interest margin1 3
    
3.55
%
    
3.68
%
    
3.51
%
    
3.21
%
    
2.95
%
                                         



2023
 
2022
   
1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Balance sheet data:
                                        
Short-term interest-bearing accounts
  
$
68,045
    
$
30,862
    
$
97,303
    
$
328,593
    
$
913,315
  
Securities available for sale
    
1,512,008
      
1,527,225
      
1,556,501
      
1,619,356
      
1,662,697
  
Securities held to maturity
    
906,824
      
919,517
      
929,541
      
936,512
      
895,005
  
Net loans
    
8,164,328
      
8,049,347
      
7,807,984
      
7,684,081
      
7,559,826
  
Total assets
    
11,839,730
      
11,739,296
      
11,640,742
      
11,720,459
      
12,147,833
  
Total deposits
    
9,681,205
      
9,495,933
      
9,918,751
      
10,028,708
      
10,461,623
  
Total borrowings
    
703,248
      
787,950
      
277,889
      
265,796
      
278,788
  
Total liabilities
    
10,628,071
      
10,565,742
      
10,484,196
      
10,531,903
      
10,945,583
  
Stockholders' equity
    
1,211,659
      
1,173,554
      
1,156,546
      
1,188,556
      
1,202,250
  
                                         
Capital:
                                        
Equity to assets
    
10.23
%
    
10.00
%
    
9.94
%
    
10.14
%
    
9.90
%
Tangible equity ratio1
    
7.99
%
    
7.73
%
    
7.64
%
    
7.87
%
    
7.70
%
Book value per share
  
$
28.24
    
$
27.38
    
$
27.00
    
$
27.75
    
$
27.96
  
Tangible book value per share2
  
$
21.52
    
$
20.65
    
$
20.25
    
$
20.99
    
$
21.25
  
Leverage ratio
    
10.43
%
    
10.32
%
    
10.21
%
    
9.77
%
    
9.52
%
Common equity tier 1 capital ratio
    
12.28
%
    
12.12
%
    
12.17
%
    
12.14
%
    
12.23
%
Tier 1 capital ratio
    
13.34
%
    
13.19
%
    
13.27
%
    
13.27
%
    
13.39
%
Total risk-based capital ratio
    
15.53
%
    
15.38
%
    
15.50
%
    
15.50
%
    
15.64
%
Common stock price (end of period)
  
$
33.71
    
$
43.42
    
$
37.95
    
$
37.59
    
$
36.13
  

8
NBT Bancorp Inc. and Subsidiaries
                              
Asset Quality and Consolidated Loan Balances
                              
(unaudited, dollars in thousands)
                              
                               
   
2023
    
2022
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Asset quality:
                              
Nonaccrual loans
  
$
16,284
    
$
17,233
    
$
19,098
    
$
23,673
    
$
25,812
  
90 days past due and still accruing
    
2,328
      
3,823
      
2,732
      
2,096
      
1,944
  
Total nonperforming loans
    
18,612
      
21,056
      
21,830
      
25,769
      
27,756
  
Other real estate owned
    
105
      
105
      
-
      
-
      
-
  
Total nonperforming assets
    
18,717
      
21,161
      
21,830
      
25,769
      
27,756
  
Allowance for loan losses
    
100,250
      
100,800
      
96,800
      
93,600
      
90,000
  
                                         
Asset quality ratios:
                                        
Allowance for loan losses to total loans
    
1.21
%
    
1.24
%
    
1.22
%
    
1.20
%
    
1.18
%
Total nonperforming loans to total loans
    
0.23
%
    
0.26
%
    
0.28
%
    
0.33
%
    
0.36
%
Total nonperforming assets to total assets
    
0.16
%
    
0.18
%
    
0.19
%
    
0.22
%
    
0.23
%
Allowance for loan losses to total nonperforming loans
    
538.63
%
    
478.72
%
    
443.43
%
    
363.23
%
    
324.25
%
Past due loans to total loans4
    
0.30
%
    
0.33
%
    
0.30
%
    
0.40
%
    
0.24
%
Net charge-offs to average loans3
    
0.19
%
    
0.18
%
    
0.07
%
    
0.04
%
    
0.14
%
                                         
 

2023


2022 
Loan net charge-offs by line of business:
  

1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Commercial & industrial
  
$
(294
)
  
$
(45
)
  
$
(1,045
)
  
$
(298
)
  
$
139
  
Commercial real estate
    
42
      
8
      
324
      
(246
)
    
346
  
Residential real estate and home equity
    
80
      
(79
)
    
(56
)
    
(210
)
    
163
  
Indirect auto
    
423
      
445
      
222
      
163
      
135
  
Residential solar
    
656
      
596
      
43
      
153
      
132
  
Other consumer
    
2,904
      
2,752
      
1,796
      
1,228
      
1,681
  
Total loan net charge-offs
  
$
3,811
    
$
3,677
    
$
1,284
    
$
790
    
$
2,596
  
                                         
     
2023
       2022
  
    1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Allowance for loan losses as a percentage of loans by segment:
                                        
Commercial & industrial
    
0.85
%
    
0.82
%
    
0.80
%
    
0.74
%
    
0.64
%
Commercial real estate
    
0.93
%
    
0.91
%
    
0.88
%
    
0.89
%
    
0.79
%
Residential real estate
    
0.73
%
    
0.72
%
    
0.74
%
    
0.79
%
    
0.88
%
Auto
    
0.77
%
    
0.81
%
    
0.78
%
    
0.79
%
    
0.76
%
Residential solar
    
3.04
%
    
3.21
%
    
3.08
%
    
3.00
%
    
2.97
%
Other consumer
    
6.19
%
    
6.27
%
    
6.67
%
    
6.19
%
    
6.24
%
Total
    
1.21
%
    
1.24
%
    
1.22
%
    
1.20
%
    
1.18
%
                                         
     
2023
       2022
  
Loans by line of business:
  

1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Commercial & industrial
  
$
1,277,446
    
$
1,265,082
    
$
1,258,871
    
$
1,298,072
    
$
1,214,834
  
Commercial real estate
    
2,845,631
      
2,807,941
      
2,724,728
      
2,670,633
      
2,709,611
  
Paycheck protection program
    
845
      
949
      
3,328
      
17,286
      
50,977
  
Residential real estate
    
1,651,918
      
1,649,870
      
1,626,528
      
1,606,188
      
1,584,551
  
Indirect auto
    
1,031,315
      
989,587
      
952,757
      
936,516
      
890,643
  
Residential solar
    
920,084
      
856,798
      
728,898
      
599,565
      
514,526
  
Home equity
    
308,219
      
314,124
      
313,557
      
313,395
      
319,180
  
Other consumer
    
229,120
      
265,796
      
296,117
      
336,026
      
365,504
  
Total loans
  
$
8,264,578
    
$
8,150,147
    
$
7,904,784
    
$
7,777,681
    
$
7,649,826
  
                                         
PPP income recognized
  
$
9
    
$
71
    
$
320
    
$
1,301
    
$
1,976
  
PPP unamortized fees
  
$
38
    
$
45
    
$
108
    
$
414
    
$
1,629
  

9
NBT Bancorp Inc. and Subsidiaries
            
Consolidated Balance Sheets
            
(unaudited, dollars in thousands)
            
             
   
March 31,
    
December 31,
  
Assets
  
2023
    
2022
  
Cash and due from banks
  
$
161,750
    
$
166,488
  
Short-term interest-bearing accounts
    
68,045
      
30,862
  
Equity securities, at fair value
    
32,807
      
30,784
  
Securities available for sale, at fair value
    
1,512,008
      
1,527,225
  
Securities held to maturity (fair value $812,664 and $812,647, respectively)
    
906,824
      
919,517
  
Federal Reserve and Federal Home Loan Bank stock
    
45,342
      
44,713
  
Loans held for sale
    
425
      
562
  
Loans
    
8,264,578
      
8,150,147
  
Less allowance for loan losses
    
100,250
      
100,800
  
Net loans
  
$
8,164,328
    
$
8,049,347
  
Premises and equipment, net
    
67,868
      
69,047
  
Goodwill
    
281,204
      
281,204
  
Intangible assets, net
    
6,955
      
7,341
  
Bank owned life insurance
    
232,514
      
232,409
  
Other assets
    
359,660
      
379,797
  
Total assets
  
$
11,839,730
    
$
11,739,296
  
                 
Liabilities and stockholders' equity
                
Demand (noninterest bearing)
  
$
3,429,188
    
$
3,617,324
  
Savings, NOW and money market
    
5,467,550
      
5,444,837
  
Time
    
784,467
      
433,772
  
Total deposits
  
$
9,681,205
    
$
9,495,933
  
Short-term borrowings
    
475,226
      
585,012
  
Long-term debt
    
29,790
      
4,815
  
Subordinated debt, net
    
97,036
      
96,927
  
Junior subordinated debt
    
101,196
      
101,196
  
Other liabilities
    
243,618
      
281,859
  
Total liabilities
  
$
10,628,071
    
$
10,565,742
  
                 
Total stockholders' equity
  
$
1,211,659
    
$
1,173,554
  
                 
Total liabilities and stockholders' equity
  
$
11,839,730
    
$
11,739,296
  

10
NBT Bancorp Inc. and Subsidiaries
                              
Quarterly Consolidated Statements of Income
                              
(unaudited, dollars in thousands except per share data)
                              
                               
   
2023
    
2022
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Interest, fee and dividend income
                              
Interest and fees on loans
  
$
100,899
    
$
95,620
    
$
85,266
    
$
78,539
    
$
73,343
  
Securities available for sale
    
7,616
      
7,831
      
7,665
      
7,317
      
6,840
  
Securities held to maturity
    
5,035
      
5,050
      
4,854
      
4,185
      
3,493
  
Other
    
642
      
671
      
1,429
      
1,442
      
525
  
Total interest, fee and dividend income
  
$
114,192
    
$
109,172
    
$
99,214
    
$
91,483
    
$
84,201
  
Interest expense
                                        
Deposits
  
$
11,144
    
$
4,092
    
$
2,233
    
$
1,756
    
$
1,842
  
Short-term borrowings
    
4,919
      
2,510
      
84
      
13
      
16
  
Long-term debt
    
47
      
21
      
20
      
33
      
87
  
Subordinated debt
    
1,334
      
1,346
      
1,360
      
1,359
      
1,359
  
Junior subordinated debt
    
1,682
      
1,424
      
1,039
      
737
      
549
  
Total interest expense
  
$
19,126
    
$
9,393
    
$
4,736
    
$
3,898
    
$
3,853
  
Net interest income
  
$
95,066
    
$
99,779
    
$
94,478
    
$
87,585
    
$
80,348
  
Provision for loan losses
    
3,909
      
7,677
      
4,484
      
4,390
      
596
  
Net interest income after provision for loan losses
  
$
91,157
    
$
92,102
    
$
89,994
    
$
83,195
    
$
79,752
  
Noninterest income
                                        
Service charges on deposit accounts
  
$
3,548
    
$
3,598
    
$
3,581
    
$
3,763
    
$
3,688
  
Card services income
    
4,845
      
4,958
      
5,654
      
9,751
      
8,695
  
Retirement plan administration fees
    
11,462
      
10,661
      
11,496
      
12,676
      
13,279
  
Wealth management
    
8,087
      
8,017
      
8,402
      
8,252
      
8,640
  
Insurance services
    
3,931
      
3,438
      
3,892
      
3,578
      
3,788
  
Bank owned life insurance income
    
1,878
      
1,419
      
1,560
      
1,411
      
1,654
  
Net securities (losses)
    
(4,998
)
    
(217
)
    
(148
)
    
(587
)
    
(179
  
Other
    
2,656
      
2,217
      
2,735
      
2,812
      
3,094
  
Total noninterest income
  
$
31,409
    
$
34,091
    
$
37,172
    
$
41,656
    
$
42,659
  
Noninterest expense
                                        
Salaries and employee benefits
  
$
48,155
    
$
47,235
    
$
48,371
    
$
46,716
    
$
45,508
  
Technology and data services
    
9,007
      
9,124
      
9,096
      
8,945
      
8,547
  
Occupancy
    
7,220
      
6,521
      
6,481
      
6,487
      
6,793
  
Professional fees and outside services
    
4,178
      
4,811
      
3,817
      
3,906
      
4,276
  
Office supplies and postage
    
1,628
      
1,699
      
1,469
      
1,548
      
1,424
  
FDIC assessment
    
1,396
      
798
      
787
      
810
      
802
  
Advertising
    
649
      
879
      
559
      
730
      
654
  
Amortization of intangible assets
    
536
      
538
      
544
      
545
      
636
  
Loan collection and other real estate owned, net
    
855
      
957
      
549
      
757
      
384
  
Acquisition expenses
    
618
      
967
      
-
      
-
      
-
  
Other
    
5,080
      
5,980
      
5,021
      
5,675
      
3,119
  
Total noninterest expense
  
$
79,322
    
$
79,509
    
$
76,694
    
$
76,119
    
$
72,143
  
Income before income tax expense
  
$
43,244
    
$
46,684
    
$
50,472
    
$
48,732
    
$
50,268
  
Income tax expense
    
9,586
      
10,563
      
11,499
      
10,957
      
11,142
  
Net income
  
$
33,658
    
$
36,121
    
$
38,973
    
$
37,775
    
$
39,126
  
Earnings Per Share
                                        
Basic
  
$
0.78
    
$
0.84
    
$
0.91
    
$
0.88
    
$
0.91
  
Diluted
  
$
0.78
    
$
0.84
    
$
0.90
    
$
0.88
    
$
0.90
  

11
NBT Bancorp Inc. and Subsidiaries
                                    
Average Quarterly Balance Sheets
                                    
(unaudited, dollars in thousands)
                                    
                                                   
   
Average Balance
  
Yield /
Rates
    
Average Balance
  
Yield /
Rates
    
Average Balance
  
Yield /
Rates
    
Average Balance
  
Yield /
Rates
    
Average Balance
  
Yield /
Rates
  
     
Q1 - 2023
      
Q4 - 2022
      
Q3 - 2022
      
Q2 - 2022
      
Q1 - 2022
  
Assets
                                                            
Short-term interest-bearing accounts
  
$
34,215
    
2.26
%
  
$
39,573
    
3.31
%
  
$
191,463
    
2.51
%
  
$
553,548
    
0.82
%
  
$
990,319
    
0.17
%
Securities taxable1
    
2,442,732
    
1.92
%
    
2,480,959
    
1.88
%
    
2,491,315
    
1.83
%
    
2,439,960
    
1.74
%
    
2,284,578
    
1.67
%
Securities tax-exempt 1 5
    
202,321
    
2.81
%
    
208,238
    
2.68
%
    
211,306
    
2.47
%
    
256,799
    
1.83
%
    
258,513
    
1.84
%
FRB and FHLB stock
    
41,144
    
4.45
%
    
32,903
    
4.11
%
    
25,182
    
3.47
%
    
24,983
    
5.03
%
    
25,026
    
1.98
%
Loans1 6
    
8,189,520
    
5.00
%
    
8,039,442
    
4.72
%
    
7,808,025
    
4.34
%
    
7,707,730
    
4.09
%
    
7,530,674
    
3.95
%
Total interest-earning assets
  
$
10,909,932
    
4.26
%
  
$
10,801,115
    
4.02
%
  
$
10,727,291
    
3.68
%
  
$
10,983,020
    
3.35
%
  
$
11,089,110
    
3.09
%
Other assets
    
836,879
            
855,410
            
887,378
            
883,498
            
947,578
        
Total assets
  
$
11,746,811
          
$
11,656,525
          
$
11,614,669
          
$
11,866,518
          
$
12,036,688
        
Liabilities and stockholders' equity
                                                                      
Money market deposit accounts
  
$
2,081,210
    
1.22
%
  
$
2,169,192
    
0.39
%
  
$
2,332,341
    
0.15
%
  
$
2,577,367
    
0.14
%
  
$
2,720,338
    
0.15
%
NOW deposit accounts
    
1,598,834
    
0.36
%
    
1,604,096
    
0.33
%
    
1,548,115
    
0.21
%
    
1,580,132
    
0.07
%
    
1,583,091
    
0.05
%
Savings deposits
    
1,781,465
    
0.03
%
    
1,823,056
    
0.03
%
    
1,854,122
    
0.03
%
    
1,845,128
    
0.03
%
    
1,794,549
    
0.03
%
Time deposits
    
639,645
    
2.10
%
    
432,110
    
0.41
%
    
455,168
    
0.35
%
    
478,531
    
0.37
%
    
494,632
    
0.40
%
Total interest-bearing deposits
  
$
6,101,154
    
0.74
%
  
$
6,028,454
    
0.27
%
  
$
6,189,746
    
0.14
%
  
$
6,481,158
    
0.11
%
  
$
6,592,610
    
0.11
%
Federal funds purchased
    
44,334
    
4.92
%
    
56,576
    
4.03
%
    
1,522
    
3.39
%
    
-
    
-
      
-
    
-
  
Repurchase agreements
    
71,340
    
0.08
%
    
76,334
    
0.11
%
    
69,048
    
0.10
%
    
60,061
    
0.09
%
    
72,768
    
0.09
%
Short-term borrowings
    
357,200
    
4.96
%
    
177,533
    
4.28
%
    
6,440
    
3.33
%
    
-
    
-
      
-
    
-
  
Long-term debt
    
7,299
    
2.61
%
    
3,817
    
2.18
%
    
3,331
    
2.38
%
    
5,336
    
2.48
%
    
13,979
    
2.52
%
Subordinated debt, net
    
96,966
    
5.58
%
    
97,839
    
5.46
%
    
98,748
    
5.46
%
    
98,642
    
5.53
%
    
98,531
    
5.59
%
Junior subordinated debt
    
101,196
    
6.74
%
    
101,196
    
5.58
%
    
101,196
    
4.07
%
    
101,196
    
2.92
%
    
101,196
    
2.20
%
Total interest-bearing liabilities
  
$
6,779,489
    
1.14
%
  
$
6,541,749
    
0.57
%
  
$
6,470,031
    
0.29
%
  
$
6,746,393
    
0.23
%
  
$
6,879,084
    
0.23
%
Demand deposits
    
3,502,489
            
3,658,965
            
3,708,131
            
3,711,049
            
3,710,124
        
Other liabilities
    
274,517
            
290,895
            
234,851
            
218,491
            
206,292
        
Stockholders' equity
    
1,190,316
            
1,164,916
            
1,201,656
            
1,190,585
            
1,241,188
        
Total liabilities and stockholders' equity
  
$
11,746,811
          
$
11,656,525
          
$
11,614,669
          
$
11,866,518
          
$
12,036,688
        
Interest rate spread
          
3.12
%
          
3.45
%
          
3.39
%
          
3.12
%
          
2.86
%
Net interest margin (FTE)1
          
3.55
%
          
3.68
%
          
3.51
%
          
3.21
%
          
2.95
%

12
1
The following tables provide the Non-GAAP reconciliations for the Non-GAAP measures contained in this release:

Non-GAAP measures
                              
(unaudited, dollars in thousands)
                              
                               
FTE adjustment
    
2023
       2022  
    1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Net interest income
  
$
95,066
    
$
99,779
    
$
94,478
    
$
87,585
    
$
80,348
  
Add: FTE adjustment
    
395
      
392
      
337
      
290
      
285
  
Net interest income (FTE)
  
$
95,461
    
$
100,171
    
$
94,815
    
$
87,875
    
$
80,633
  
Average earning assets
  
$
10,909,932
    
$
10,801,115
    
$
10,727,291
    
$
10,983,020
    
$
11,089,110
  
Net interest margin (FTE)3
    
3.55
%
    
3.68
%
    
3.51
%
    
3.21
%
    
2.95
%
                                         
Interest income for tax-exempt securities and loans have been adjusted to an FTE basis using the statutory Federal income tax rate of 21%.
  
                                         
Tangible equity to tangible assets
    
2023
       2022  
    1st Q    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Total equity
  
$
1,211,659
    
$
1,173,554
    
$
1,156,546
    
$
1,188,556
    
$
1,202,250
  
Intangible assets
    
288,159
      
288,545
      
289,083
      
289,259
      
288,832
  
Total assets
  
$
11,839,730
    
$
11,739,296
    
$
11,640,742
    
$
11,720,459
    
$
12,147,833
  
Tangible equity to tangible assets
    
7.99
%
    
7.73
%
    
7.64
%
    
7.87
%
    
7.70
%
                                         
Return on average tangible common equity
    
2023
       2022  
 
1st Q
   
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Net income
  
$
33,658
    
$
36,121
    
$
38,973
    
$
37,775
    
$
39,126
  
Amortization of intangible assets (net of tax)
    
402
      
404
      
408
      
409
      
477
  
Net income, excluding intangibles amortization
  
$
34,060
    
$
36,525
    
$
39,381
    
$
38,184
    
$
39,603
  
                                         
Average stockholders' equity
  
$
1,190,316
    
$
1,164,916
    
$
1,201,656
    
$
1,190,585
    
$
1,241,188
  
Less: average goodwill and other intangibles
    
288,354
      
288,856
      
289,296
      
289,584
      
289,218
  
Average tangible common equity
  
$
901,962
    
$
876,060
    
$
912,360
    
$
901,001
    
$
951,970
  
Return on average tangible common equity3
    
15.31
%
    
16.54
%
    
17.12
%
    
17.00
%
    
16.87
%

2
Non-GAAP measure - Stockholders' equity less goodwill and intangible assets divided by common shares outstanding.
3
Annualized.
4
Total past due loans, defined as loans 30 days or more past due and in an accrual status.
5
Securities are shown at average amortized cost.
6
For purposes of these computations, nonaccrual loans and loans held for sale are included in the average loan balances outstanding.


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City Area Code 607
Local Phone Number 337-2265
Title of 12(b) Security Common Stock, par value $0.01 per share
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Security Exchange Name NASDAQ
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