NBT BANCORP INCNBTB

時価総額

$23.2億

PER

地域商業銀行の大手、総資産約137.9億ドル（2024年12月31日現在）。商業融資・預金・ウェルスマネジメントを155支店で展開。2023年8月に1.617億ドルで同業買収、2024年9月に資産約21.9億ドルの買収合意（同年12月規制承認）。ニューヨーク等7州42郡で展開。

概要財務

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	2010年 12月31日	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Interest and fees on loans	213	204	208	239	243	242	251	267	301	321	308	302	333	463	553
Securities available for sale	-	-	-	-	-	-	-	-	-	-	-	23	30	30	31
Securities held to maturity	4	3	2	3	5	9	10	11	13	19	15	13	18	21	20
Other	2	2	2	2	2	2	2	3	3	4	3	2	4	10	7
Total interest, fee and dividend income	256	240	239	269	275	273	287	309	344	368	348	340	384	523	612
Deposits	30	23	19	16	14	14	14	14	22	40	22	11	10	105	187
Short-term borrowings	0	0	0	1	1	1	2	6	11	10	3	0	3	26	9
Interest expense incurred on all long-term debt during the reporting period, excluding junior subordinated debentures.	-	-	-	-	-	-	-	-	-	2	2	0	0	1	1
Subordinated debt	-	-	-	-	-	-	-	-	-	-	3	5	5	6	7
Junior subordinated debt	4	2	2	2	2	2	3	3	4	4	3	2	4	7	8
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	212
Net interest income	203	200	204	238	252	253	264	283	306	312	316	321	362	378	400
Provision	-	-	-	-	-	-	-	-	-	-	51	-8	17	25	20
Net interest income after provision for loan losses	173	180	184	216	232	234	239	253	277	286	265	329	345	353	381
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 deposits	24	21	18	19	18	17	17	17	17	17	13	13	15	15	17
Includes amounts charged to depositors for card services.	-	-	-	-	-	-	-	-	-	-	-	-	29	21	22
Includes amounts charged to customers for administration of retirement plans.	10	9	10	11	12	14	16	20	27	30	36	42	48	47	57
Includes amounts charged to customers for wealth management.	-	-	-	-	-	-	-	-	-	-	29	34	33	35	42
Insurance services	-	-	-	-	-	-	-	-	-	-	15	14	15	16	17
Bank owned life insurance income	3	3	3	4	5	4	5	5	5	5	6	6	6	7	8
Net securities gains (losses)	-	-	-	-	-	-	-	-	-6	4	-0	1	-1	-9	3
Other	6	5	11	11	11	14	16	12	15	19	22	16	11	11	11
Total noninterest income	84	80	87	103	126	118	116	121	125	144	146	158	156	142	177
Salaries and employee benefits	94	99	105	114	120	124	130	134	152	157	162	173	188	194	232
Technology and data services	12	12	13	15	16	17	16	17	18	18	17	17	36	38	39
Occupancy	15	16	17	21	22	22	21	22	22	23	22	22	26	28	31
Professional fees and outside services	9	9	10	13	14	13	14	13	14	15	15	16	17	18	19
Office supplies and postage	6	6	6	7	7	6	6	6	6	7	6	6	6	7	8
FDIC assessment	6	4	4	5	5	5	5	5	5	2	3	3	3	6	7
Advertising	3	3	3	3	3	3	3	3	3	3	2	3	3	3	3
Amortization of intangible assets	3	3	3	5	5	5	4	4	4	4	3	3	2	5	8
Includes expenses incurred to support loan collection efforts and administration of other real estate owned.	3	3	3	3	3	3	3	5	4	4	3	3	3	3	3
Acquisition expenses	-	-	3	12	-	-	-	-	-	-	-	-	-	10	2
Other	13	16	16	20	20	25	20	22	20	24	25	20	20	30	26
Total noninterest expense	178	181	194	229	246	236	236	246	265	275	278	287	304	342	378
Income before income tax expense	-	-	-	-	-	-	-	-	-	-	-	200	196	153	179
Total income tax expense	21	21	23	28	37	40	40	46	24	34	29	45	44	35	39
Net income	57	58	55	62	75	76	78	82	113	121	104	155	152	119	141
Basic (in dollars per share)	1.67	1.72	1.63	1.47	1.71	1.74	1.81	1.89	2.58	2.76	2.39	3.57	3.54	2.67	2.98
Diluted (in dollars per share)	1.66	1.71	1.62	1.46	1.69	1.72	1.8	1.87	2.56	2.74	2.37	3.54	3.52	2.65	2.97