$NBTB
NBT BANCORP INC

2022 Q1 Form 10-Q Financial Statement

#000114036122018305 Filed on May 09, 2022

View on sec.gov

Income Statement

Concept 2022 Q1 2021 Q1
Revenue $84.20M $84.31M
YoY Change -0.13% -5.69%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $8.547M $8.892M
YoY Change -3.88% 110.06%
% of Gross Profit
Depreciation & Amortization $3.056M $3.200M
YoY Change -4.5% -3.03%
% of Gross Profit
Operating Expenses $8.547M $8.892M
YoY Change -3.88% 110.06%
Operating Profit
YoY Change
Interest Expense $3.853M $5.255M
YoY Change -26.68% -57.0%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $50.27M $51.00M
YoY Change -1.44% 322.09%
Income Tax $11.14M $11.16M
% Of Pretax Income 22.17% 21.87%
Net Earnings $39.13M $39.85M
YoY Change -1.81% 284.32%
Net Earnings / Revenue 46.47% 47.26%
Basic Earnings Per Share $0.91 $0.91
Diluted Earnings Per Share $0.90 $0.91
COMMON SHARES
Basic Shares Outstanding 43.14M 43.56M
Diluted Shares Outstanding 43.14M 43.56M

Balance Sheet

Concept 2022 Q1 2021 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $1.094B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $71.03M $73.00M
YoY Change -2.7% -5.19%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $12.15B $11.54B
YoY Change 5.29% 15.9%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $65.02M $95.00M
YoY Change -31.56% -82.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $65.02M $95.00M
YoY Change -31.56% -82.7%
LONG-TERM LIABILITIES
Long-Term Debt $213.8M $213.0M
YoY Change 0.36% 29.09%
Other Long-Term Liabilities $205.2M $222.0M
YoY Change -7.58% -15.27%
Total Long-Term Liabilities $418.9M $435.0M
YoY Change -3.69% 1.87%
TOTAL LIABILITIES
Total Short-Term Liabilities $65.02M $95.00M
Total Long-Term Liabilities $418.9M $435.0M
Total Liabilities $10.95B $10.35B
YoY Change 5.8% 17.02%
SHAREHOLDERS EQUITY
Retained Earnings
YoY Change
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $1.202B $1.191B
YoY Change
Total Liabilities & Shareholders Equity $12.15B $11.54B
YoY Change 5.29% 15.9%

Cashflow Statement

Concept 2022 Q1 2021 Q1
OPERATING ACTIVITIES
Net Income $39.13M $39.85M
YoY Change -1.81% 284.32%
Depreciation, Depletion And Amortization $3.056M $3.200M
YoY Change -4.5% -3.03%
Cash From Operating Activities $35.14M $42.30M
YoY Change -16.92% 3.42%
INVESTING ACTIVITIES
Capital Expenditures -$1.312M -$900.0K
YoY Change 45.78% -72.73%
Acquisitions $260.0K
YoY Change
Other Investing Activities -$381.6M -$173.5M
YoY Change 119.96% 59.32%
Cash From Investing Activities -$382.9M -$174.4M
YoY Change 119.58% 55.44%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 172.9M 614.4M
YoY Change -71.86% 345.86%
NET CHANGE
Cash From Operating Activities 35.14M 42.30M
Cash From Investing Activities -382.9M -174.4M
Cash From Financing Activities 172.9M 614.4M
Net Change In Cash -174.9M 482.3M
YoY Change -136.26% 625.26%
FREE CASH FLOW
Cash From Operating Activities $35.14M $42.30M
Capital Expenditures -$1.312M -$900.0K
Free Cash Flow $36.46M $43.20M
YoY Change -15.61% -2.26%

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7990000
CY2021Q4 us-gaap Held To Maturity Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions
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70
CY2022Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
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321
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
149
CY2022Q1 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
4000000.0
CY2021Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
3900000
CY2021 nbtb Debt Securities Held To Maturity Accrued Interest Receivables Reversed
DebtSecuritiesHeldToMaturityAccruedInterestReceivablesReversed
0
CY2022Q1 nbtb Debt Securities Held To Maturity Accrued Interest Receivables Reversed
DebtSecuritiesHeldToMaturityAccruedInterestReceivablesReversed
0
CY2021Q4 nbtb Debt Securities Held To Maturity Collateral Dependent
DebtSecuritiesHeldToMaturityCollateralDependent
0
CY2022Q1 nbtb Debt Securities Held To Maturity Collateral Dependent
DebtSecuritiesHeldToMaturityCollateralDependent
0
CY2022Q1 us-gaap Debt Securities Held To Maturity Accrued Interest After Allowance For Credit Loss
DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss
3000000.0
CY2021Q4 us-gaap Debt Securities Held To Maturity Accrued Interest After Allowance For Credit Loss
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2700000
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
90000000.0
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
92000000.0
CY2022Q1 srt Financing Receivable Allowance For Credit Loss To Outstanding Percent
FinancingReceivableAllowanceForCreditLossToOutstandingPercent
0.0118
CY2021Q4 srt Financing Receivable Allowance For Credit Loss To Outstanding Percent
FinancingReceivableAllowanceForCreditLossToOutstandingPercent
0.0123
CY2022Q1 nbtb Loans Purchased With Credit Deterioration
LoansPurchasedWithCreditDeterioration
0
CY2021 nbtb Loans Purchased With Credit Deterioration
LoansPurchasedWithCreditDeterioration
0
CY2022Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Allowance For Loan Losses
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses
2100000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Allowance For Loan Losses
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses
6800000
CY2022Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
600000
CY2021Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-2800000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
92000000
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
4491000
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
1895000
CY2022Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
596000
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
90000000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
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CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
4660000
CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
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CY2021Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-2796000
CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
105000000
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5
CY2022Q1 nbtb Loans And Leases Receivable Individually Evaluated For Impairment
LoansAndLeasesReceivableIndividuallyEvaluatedForImpairment
9900000
CY2022Q1 nbtb Loans And Leases Receivable Allowance For Credit Losses Individually Evaluated For Impairment
LoansAndLeasesReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment
0
CY2021Q4 nbtb Financing Receivable Individually Evaluated For Impairment Number Of Relationships
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5
CY2021Q4 nbtb Loans And Leases Receivable Individually Evaluated For Impairment
LoansAndLeasesReceivableIndividuallyEvaluatedForImpairment
10200000
CY2021Q4 nbtb Loans And Leases Receivable Allowance For Credit Losses Individually Evaluated For Impairment
LoansAndLeasesReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment
0
CY2022Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
25812000
CY2022Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
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CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
30285000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
7498459000
CY2022Q1 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
0
CY2021Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
0
CY2022Q1 nbtb Threshold Period Past Due For Loans To Be Considered Nonperforming
ThresholdPeriodPastDueForLoansToBeConsideredNonperforming
P90D
CY2022Q1 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
556430000
CY2022Q1 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
1909264000
CY2022Q1 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
1139257000
CY2022Q1 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
932970000
CY2022Q1 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
637129000
CY2022Q1 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
1712646000
CY2022Q1 us-gaap Financing Receivable Revolving
FinancingReceivableRevolving
726511000
CY2022Q1 us-gaap Financing Receivable Revolving Converted To Term Loan
FinancingReceivableRevolvingConvertedToTermLoan
35619000
CY2022Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
7649826000
CY2021Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
2045326000
CY2021Q4 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
1179768000
CY2021Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
993265000
CY2021Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
680836000
CY2021Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
528706000
CY2021Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
1294841000
CY2021Q4 us-gaap Financing Receivable Revolving
FinancingReceivableRevolving
703846000
CY2021Q4 us-gaap Financing Receivable Revolving Converted To Term Loan
FinancingReceivableRevolvingConvertedToTermLoan
71871000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
7498459000
CY2022Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
2
CY2022Q1 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
118000
CY2022Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
124000
CY2021Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3
CY2021Q1 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
242000
CY2021Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
252000
CY2022Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
21
CY2022Q1 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
911000
CY2021Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
19
CY2021Q1 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
642000
CY2022Q1 us-gaap Defined Benefit Plan Contributions By Employer
DefinedBenefitPlanContributionsByEmployer
0
CY2021Q1 us-gaap Defined Benefit Plan Contributions By Employer
DefinedBenefitPlanContributionsByEmployer
0
CY2021Q1 us-gaap Net Income Loss
NetIncomeLoss
39846000
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.91
CY2021Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.91
CY2022Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
43141000
CY2021Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
43559000
CY2022Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
244000
CY2021Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
331000
CY2022Q1 us-gaap Pro Forma Weighted Average Shares Outstanding Diluted
ProFormaWeightedAverageSharesOutstandingDiluted
43385000
CY2021Q1 us-gaap Pro Forma Weighted Average Shares Outstanding Diluted
ProFormaWeightedAverageSharesOutstandingDiluted
43890000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
39126000
CY2021Q1 us-gaap Net Income Loss
NetIncomeLoss
39846000
CY2022Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.90
CY2021Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.91
CY2022Q1 nbtb Loans And Leases Receivable Collateral Dependent Loans
LoansAndLeasesReceivableCollateralDependentLoans
9900000
CY2022Q1 nbtb Loans And Leases Receivable Collateral Dependent Loans Specific Reserves
LoansAndLeasesReceivableCollateralDependentLoansSpecificReserves
0
CY2022Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
43141000
CY2021Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
43559000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
39126000
CY2021Q4 nbtb Loans And Leases Receivable Collateral Dependent Loans
LoansAndLeasesReceivableCollateralDependentLoans
10200000
CY2021Q4 nbtb Loans And Leases Receivable Collateral Dependent Loans Specific Reserves
LoansAndLeasesReceivableCollateralDependentLoansSpecificReserves
0
CY2022Q1 nbtb Guarantor Obligations Period
GuarantorObligationsPeriod
P1Y

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