0001140361-20-023783.txt : 20201026 0001140361-20-023783.hdr.sgml : 20201026 20201026163820 ACCESSION NUMBER: 0001140361-20-023783 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20201026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20201026 DATE AS OF CHANGE: 20201026 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: 201261133 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 brhc10016197_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): October 26, 2020


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 October 26, 2020, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended September 30, 2020. 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, October 27, 2020, to review third quarter 2020 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Company’s Investor Relations web page at https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-events.
 
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. dated October 26, 2020



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: October 26, 2020
By:
/s/ John V. Moran


John V. Moran


Executive Vice President


and Chief Financial Officer


EX-99.1 2 brhc10016197_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

John V. Moran, Executive Vice President and CFO

NBT Bancorp Inc.

52 South Broad Street

Norwich, NY 13815

607-337-6589

NBT BANCORP INC. ANNOUNCES THIRD QUARTER NET INCOME OF $35.1 MILLION, OR $0.80 PER DILUTED COMMON SHARE; ANNOUNCES DIVIDEND

NORWICH, NY (October 26, 2020) – NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for both the three and nine months ended September 30, 2020.
 
Net income for the three months ended September 30, 2020 was $35.1 million, or $0.80 per diluted common share. Net income was up $10.4 million from the previous quarter primarily due to lower loan loss provision and up $2.7 million from the third quarter of 2019.
 
Pre-provision net revenue (“PPNR”)1 for the third quarter of 2020 was $49.6 million compared to $50.7 million in the previous quarter and $48.2 million in the third quarter of 2019. The 2% decline in PPNR from the previous quarter reflected lower net interest income and slightly higher operating expenses, partly offset by higher noninterest income.
 
CEO Comments

“The continued strength of NBT’s pre-provision net revenue is reflected in our third quarter 2020 results,” said NBT President and CEO John H. Watt, Jr. “Strong fee-based income, including higher income from our retirement plan administration businesses driven by an acquisition completed in April, and focused expense management were key contributors. As we continue to work closely with our customers through the impacts of the pandemic, we are encouraged that total loan deferrals dropped to 2% in October from a peak of approximately 15% in May. Adoption of digital banking services and functionality by our customers continued to accelerate in the third quarter and, with our well-established technology roadmap, we are positioned to scale up.”

2
Third Quarter Financial Highlights

Net Income
◾    Net income of $35.1 million
◾    Diluted earnings per share of $0.80
Net Interest
Income / NIM
◾    Net interest income on a fully taxable equivalent basis was $78.3 million1
◾    Net interest margin (“NIM”) on a fully taxable equivalent basis was 3.17%1
PPNR
◾    PPNR1 was $49.6 million compared to $50.7 million in the second quarter of 2020 and $48.2 million in the third quarter of 2019
Loans and Credit
Quality
◾    Period end loans were $7.6 billion, up 8%, annualized, from December 31, 2019 and consistent with June 30, 2020
◾    Excluding Paycheck Protection Program (“PPP”) loans of $515 million at September 30, 2020, period end loans contracted $72 million or 1% from June 30, 2020
◾    Allowance for loan losses to total loans of 1.51% (1.62% excluding PPP loans and related allowance)
◾    Net charge-offs to average loans was 0.12%, annualized (0.13% excluding PPP loans)
◾    Nonperforming assets to total assets was 0.37% (0.39% excluding PPP loans)
Capital
◾    Tangible book value per share2 grew 3% for the quarter and 8% from prior year to $20.02 at September 30, 2020
◾    Tangible equity to assets of 8.27%1
◾    CET1 ratio of 11.63%; Total leverage ratio of 9.48%

Loans


 ◾
Period end total loans were $7.6 billion at September 30 and June 30, 2020, compared to $7.1 billion at December 31, 2019.

◾
Total PPP loans as of September 30, 2020 were $515 million (net of unamortized fees), with $548 million originated at an average loan size of $184 thousand and an average annual fee of 3.2%.

◾
Excluding PPP loans, period end loans decreased $71.8 million from June 30, 2020. Commercial and industrial loans decreased $21.4 million to $1.3 billion; commercial real estate loans increased $25.3 million to $2.3 billion; and total consumer loans decreased $75.7 million to $3.5 billion, driven by run-off of indirect auto loans.

◾
Commercial line of credit utilization rate was 25% at September 30, 2020 compared to 26% at June 30, 2020 and 33% at September 30, 2019.

Deposits


 ◾
Average total deposits in the third quarter of 2020 were $8.8 billion, compared to $8.6 billion in the second quarter of 2020, primarily due to increases in non-interest bearing demand deposit accounts.

◾
Loan to deposit ratio was 84.4% at September 30, 2020, compared to 94.0% at December 31, 2019 and 86.5% at June 30, 2020.

3
Net Interest Income and Net Interest Margin


 ◾
Net interest income for the third quarter of 2020 was $77.9 million, down $2.5 million or 3.1% from the second quarter of 2020 and consistent with the third quarter of 2019.

◾
The net interest margin on a fully taxable equivalent (“FTE”) basis for the third quarter of 2020 was 3.17%, down 21 basis points (“bps”) from the second quarter of 2020 and down 40 bps from the third quarter of 2019. The net impact of PPP loans and excess liquidity, both of which the Company expects to be transitory, negatively impacted the NIM by 10 bps in the third quarter versus a negative 7 bps in the second quarter of 2020. Excluding the impact of PPP lending and excess liquidity from each quarter, NIM declined 18 bps from the prior quarter primarily due to the impact of asset repricing while funding costs remained stable during the quarter.

◾
Earning asset yields for the three months ended September 30, 2020 were down 23 bps from the prior quarter and down 77 bps from the same quarter in the prior year. Earning assets grew $220.9 million or 2.3% from the prior quarter and grew $1.1 billion or 12.6% from the same quarter in the prior year.

o
Excess liquidity resulted in a $97.7 million increase in the average balances of short-term interest bearing accounts.

o
The average balance of investment securities increased $160.0 million while yields declined 29 bps.

o
Loan yields decreased 15 bps to 3.95%.

◾
Total cost of deposits was 0.19% for the third quarter of 2020, down 4 bps from the prior quarter and down 37 bps from the same period in the prior year.

◾
The cost of interest-bearing liabilities for the three months ended September 30, 2020 was 0.45%, flat as compared to the prior quarter of 0.45% and down 51 bps from the third quarter of 2019 of 0.96%.

o
Cost of interest-bearing deposits decreased 4 bps from the prior quarter and decreased 51 bps from the same quarter in 2019.

Credit Quality and CECL


 ◾
Net charge-offs to average loans were very low due to COVID-19 pandemic relief programs.

◾
Net charge-offs to total average loans of 12 bps (13 bps excluding PPP loans) compared to 28 bps (30 bps excluding PPP loans) in the prior quarter and 35 bps in the third quarter of 2019.

◾
Nonperforming assets to total assets was 0.37% (0.39% excluding PPP loans) compared to 0.27% (0.28% excluding PPP loans) at June 30, 2020 and 0.36% at September 30, 2019. The increase in nonperforming assets was primarily due to two COVID-19 impacted commercial relationships totaling $10.9 million moving to non-accrual for the quarter.

◾
Provision expense for the three months ended September 30, 2020 was $3.3 million with an increase in allowance coverage levels due to specific reserves for the two nonperforming commercial relationships and a change in loan mix while net charge-offs of $2.3 million were down compared with the prior quarter. Provision expense decreased $15.6 million from the second quarter of 2020 and decreased $3.1 million from the third quarter of 2019.

◾
The allowance for loan losses was $114.5 million or 1.51% (1.62% excluding PPP loans and related allowance) of total loans compared to 1.49% (1.59% excluding PPP loans and related allowance) at June 30, 2020 and 1.03% September 30, 2019.

4

 ◾
As of October 19, 2020, 2.0% of loans (loans outstanding as of 9/30/2020; excluding PPP balances) are in payment deferral programs which is down from the second quarter 2020 peak of 14.9%.

◾
The reserve for unfunded loan commitments remained consistent with the prior quarter at $5.5 million at September 30, 2020.

Noninterest Income
 

 ◾
Total noninterest income, excluding securities gains (losses), was $37.6 million for the three months ended September 30, 2020, up $2.8 million from the prior quarter and up $2.0 million from the prior year quarter.

◾
Service charges on deposit accounts were higher than the prior quarter but lower than the third quarter of 2019 due to lower overdraft charges during the COVID-19 pandemic that recovered but continue to run lower than prior year levels.

◾
ATM and debit card fees were higher than both prior quarter and the third quarter of 2019 due to increased volume and higher per transaction rates.

◾
Retirement plan administration fees were higher than both prior quarter and the third quarter of 2019 due to the April 1, 2020 acquisition of Alliance Benefit Group of Illinois, Inc. (“ABG”) contributing $1.7 million in revenues during the quarter.

◾
Wealth management fees were higher than the prior quarter due to seasonality of tax revenue and market conditions.

◾
The increase in other noninterest income from the prior year third quarter was driven by higher mortgage banking income, while the decrease from the second quarter of 2020 was driven by lower loan swap fee income.

Noninterest Expense


 ◾
Total noninterest expense for the third quarter of 2020 was up 1.5% from the previous quarter and down 4.9% from the third quarter of 2019.

◾
Salaries and benefits increased from the prior quarter due to timing of medical expenses during the COVID-19 pandemic ($0.6 million) and increased from the third quarter of 2019 driven by the addition of ABG’s salaries and benefits.

◾
Equipment expense was higher than both the prior quarter and the third quarter of 2019 due to higher technology costs associated with several digital upgrades.

◾
FDIC expense was higher than the third quarter of 2019 due to the benefit of the FDIC insurance assessment small bank credit in the third quarter of 2019.

◾
Other expenses decreased $4.5 million from the third quarter of 2019 due to lower travel and training expenses during the pandemic, lower pension costs and $3.1 million in reorganization expenses incurred during the third quarter of 2019 primarily related to branch optimization strategies to improve future operating efficiencies.

Income Taxes


 ◾
Effective tax rate was 23.8% for the third quarter of 2020 compared to 21.0% in the second quarter of 2020 and 22.4% in the third quarter of 2019. The higher effective tax rate compared to the second quarter of 2020 was due to a higher level of taxable income relative to total income and included a true-up of tax expense to bring the full year estimated effective tax rate to 21.75%. The higher effective tax rate compared to the third quarter of 2019 was due to a higher level of taxable income relative to total income.

5
Capital


 ◾
Capital ratios remain strong with tangible common equity to tangible assets1 at 8.27%. Tangible book value per share2 grew 3% from the prior quarter and 8% from the prior year quarter to $20.02.

◾
September 30, 2020 CET1 capital ratio of 11.63%, total leverage ratio of 9.48% and total risk-based capital ratio of 15.43%.

Dividend


 ◾
The Board of Directors approved a fourth-quarter cash dividend of $0.27 per share at their meeting held today. The dividend will be paid on December 15, 2020 to shareholders of record as of December 1, 2020.

Conference Call and Webcast

The Company will host a conference call at 8:30 a.m. Eastern Time on Tuesday, October 27, 2020, to review third quarter 2020 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Company’s Investor Relations web page at https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-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 $10.8 billion at September 30, 2020. 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 over 140 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine, and is currently entering Connecticut. EPIC Retirement Plan Services, based in Rochester, NY, is a full-service 401(k) plan recordkeeping 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.

6
Forward-Looking Statements

This news 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 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 regulatory pronouncements around CARES Act; (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 novel coronavirus, which causes the Coronavirus disease 2019 (“COVID-19”), global pandemic; (21) the impact of a slowing U.S. economy and increased unemployment on the performance of our loan portfolio, the market value of our investment securities, the availability of sources of funding and the demand for our products; and (22) the Company’s success at managing the risks involved in the foregoing items.

Currently, one of the most significant factors that could cause actual outcomes to differ materially from the Company’s forward-looking statements is the potential adverse effect of the current COVID-19 pandemic on the financial condition, results of operations, cash flows and performance of the Company, its customers and the global economy and financial markets. The extent to which the COVID-19 pandemic impacts the Company will depend on future developments, which are highly uncertain and cannot be predicted with confidence, including the scope, severity and duration of the pandemic and its impact on the Company’s customers and demand for financial services, the actions governments, businesses and individuals take in response to the pandemic, the impact of the COVID-19 pandemic and actions taken in response to the pandemic on global and regional economies, national and local economic activity, and the pace of recovery when the COVID-19 pandemic subsides, among others. Moreover, investors are cautioned to interpret many of the risks identified under the section entitled “Risk Factors” in our Form 10-K for the year ended December 31, 2019 and in our Form 10-Q for the quarter ended June 30, 2020 as being heightened as a result of the ongoing and numerous adverse impacts of the COVID-19 pandemic. You should not place undue reliance on any forward-looking statements, which speak only as of the date made, and you are advised 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.

7
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, 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 financial results of NBT’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 NBT’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of NBT.

8
NBT Bancorp Inc. and Subsidiaries
Selected Financial Data
(unaudited, dollars in thousands except per share data)

   
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Profitability:
                              
Diluted earnings per share
  
$
0.80
    
$
0.56
    
$
0.23
    
$
0.66
    
$
0.73
  
Weighted average diluted common shares outstanding
    
43,941,953
      
43,928,344
      
44,130,324
      
44,174,201
      
44,138,495
  
Return on average assets3
    
1.29
%
    
0.94
%
    
0.43
%
    
1.20
%
    
1.34
%
Return on average equity3
    
12.09
%
    
8.76
%
    
3.69
%
    
10.36
%
    
11.83
%
Return on average tangible common equity1 3
    
16.51
%
    
12.14
%
    
5.24
%
    
14.28
%
    
16.43
%
Net interest margin1 3
    
3.17
%
    
3.38
%
    
3.52
%
    
3.52
%
    
3.57
%
                                         
   
9 Months ended September 30,
                          
   
2020
    
2019
                          
Profitability:
                                        
Diluted earnings per share
  
$
1.60
    
$
2.09
                          
Weighted average diluted common shares outstanding
    
43,996,637
      
44,108,467
                          
Return on average assets3
    
0.90
%
    
1.29
%
                        
Return on average equity3
    
8.23
%
    
11.66
%
                        
Return on average tangible common equity1 3
    
11.36
%
    
16.42
%
                        
Net interest margin1 3
    
3.35
%
    
3.61
%
                        

   
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Balance sheet data:
                              
Securities available for sale
  
$
1,197,925
    
$
1,108,443
    
$
1,000,980
    
$
975,340
    
$
932,173
  
Securities held to maturity
    
663,088
      
599,164
      
621,359
      
630,074
      
678,435
  
Net loans
    
7,446,143
      
7,514,491
      
7,147,383
      
7,063,133
      
6,941,444
  
Total assets
    
10,850,212
      
10,847,184
      
9,953,543
      
9,715,925
      
9,661,386
  
Total deposits
    
8,958,183
      
8,815,891
      
7,864,638
      
7,587,820
      
7,743,166
  
Total borrowings
    
446,737
      
602,988
      
714,283
      
820,682
      
628,701
  
Total liabilities
    
9,684,101
      
9,704,532
      
8,841,364
      
8,595,528
      
8,562,785
  
Stockholders' equity
    
1,166,111
      
1,142,652
      
1,112,179
      
1,120,397
      
1,098,601
  
                                         
Capital:
                                        
Equity to assets
    
10.75
%
    
10.53
%
    
11.17
%
    
11.53
%
    
11.37
%
Tangible equity ratio1
    
8.27
%
    
8.04
%
    
8.55
%
    
8.84
%
    
8.65
%
Book value per share
  
$
26.74
    
$
26.20
    
$
25.52
    
$
25.58
    
$
25.09
  
Tangible book value per share2
  
$
20.02
    
$
19.46
    
$
18.96
    
$
19.03
    
$
18.52
  
Tier 1 leverage ratio
    
9.48
%
    
9.44
%
    
10.02
%
    
10.33
%
    
10.15
%
Common equity tier 1 capital ratio
    
11.63
%
    
11.34
%
    
10.90
%
    
11.29
%
    
11.14
%
Tier 1 capital ratio
    
12.88
%
    
12.60
%
    
12.14
%
    
12.56
%
    
12.42
%
Total risk-based capital ratio
    
15.43
%
    
15.15
%
    
13.36
%
    
13.52
%
    
13.38
%
Common stock price (end of period)
  
$
26.82
    
$
30.06
    
$
32.39
    
$
40.56
    
$
36.59
  
Note: Year-to-date EPS may not equal sum of quarters due to differences in outstanding shares.
  

9
NBT Bancorp Inc. and Subsidiaries
Selected Financial Data
(unaudited, dollars in thousands except per share data)

   
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Asset quality:
                              
Nonaccrual loans
  
$
35,896
    
$
25,567
    
$
29,972
    
$
25,174
    
$
24,623
  
90 days past due and still accruing
    
2,579
      
2,057
      
2,280
      
3,717
      
8,342
  
Total nonperforming loans
    
38,475
      
27,624
      
32,252
      
28,891
      
32,965
  
Other real estate owned
    
1,605
      
1,783
      
2,384
      
1,458
      
2,144
  
Total nonperforming assets
    
40,080
      
29,407
      
34,636
      
30,349
      
35,109
  
Allowance for loan losses
    
114,500
      
113,500
      
100,000
      
72,965
      
72,365
  
                                         
Asset quality ratios (total):
                                        
Allowance for loan losses to total loans
    
1.51
%
    
1.49
%
    
1.38
%
    
1.02
%
    
1.03
%
Total nonperforming loans to total loans
    
0.51
%
    
0.36
%
    
0.45
%
    
0.40
%
    
0.47
%
Total nonperforming assets to total assets
    
0.37
%
    
0.27
%
    
0.35
%
    
0.31
%
    
0.36
%
Allowance for loan losses to total nonperforming loans
    
297.60
%
    
410.87
%
    
310.06
%
    
252.55
%
    
219.52
%
Past due loans to total loans
    
0.26
%
    
0.30
%
    
0.51
%
    
0.49
%
    
0.57
%
Net charge-offs to average loans3
    
0.12
%
    
0.28
%
    
0.32
%
    
0.30
%
    
0.35
%
                                         
Asset quality ratios (excluding paycheck protection program):
                                  
Allowance for loan losses to total loans
    
1.62
%
    
1.59
%
    
1.38
%
    
1.02
%
    
1.03
%
Total nonperforming loans to total loans
    
0.55
%
    
0.39
%
    
0.45
%
    
0.40
%
    
0.47
%
Total nonperforming assets to total assets
    
0.39
%
    
0.28
%
    
0.35
%
    
0.31
%
    
0.36
%
Allowance for loan losses to total nonperforming loans
    
297.53
%
    
410.78
%
    
310.06
%
    
252.55
%
    
219.52
%
Past due loans to total loans
    
0.28
%
    
0.32
%
    
0.51
%
    
0.49
%
    
0.57
%
Net charge-offs to average loans3
    
0.13
%
    
0.30
%
    
0.32
%
    
0.30
%
    
0.35
%

10
NBT Bancorp Inc. and Subsidiaries
Consolidated Balance Sheets
(unaudited, dollars in thousands)

Assets
   
September 30,
2020
      
December 31,
2019
   
Cash and due from banks
  
$
167,169
    
$
170,595
  
Short-term interest bearing accounts
    
450,291
      
46,248
  
Equity securities, at fair value
    
30,758
      
27,771
  
Securities available for sale, at fair value
    
1,197,925
      
975,340
  
Securities held to maturity (fair value $684,862 and $641,262, respectively)
    
663,088
      
630,074
  
Federal Reserve and Federal Home Loan Bank stock
    
28,484
      
44,620
  
Loans held for sale
    
1,823
      
11,731
  
Loans
    
7,560,643
      
7,136,098
  
Less allowance for loan losses
    
114,500
      
72,965
  
Net loans
  
$
7,446,143
    
$
7,063,133
  
Premises and equipment, net
    
73,055
      
75,631
  
Goodwill
    
280,541
      
274,769
  
Intangible assets, net
    
12,557
      
12,020
  
Bank owned life insurance
    
185,227
      
181,748
  
Other assets
    
313,151
      
202,245
  
Total assets
  
$
10,850,212
    
$
9,715,925
  
                 
Liabilities and stockholders' equity
                
Demand (noninterest bearing)
  
$
3,163,717
    
$
2,414,383
  
Savings, NOW and money market
    
5,134,495
      
4,312,244
  
Time
    
659,971
      
861,193
  
Total deposits
  
$
8,958,183
    
$
7,587,820
  
Short-term borrowings
    
183,472
      
655,275
  
Long-term debt
    
64,126
      
64,211
  
Subordinated debt, net
    
97,943
      
-
  
Junior subordinated debt
    
101,196
      
101,196
  
Other liabilities
    
279,181
      
187,026
  
Total liabilities
  
$
9,684,101
    
$
8,595,528
  
                 
Total stockholders' equity
  
$
1,166,111
    
$
1,120,397
  
                 
Total liabilities and stockholders' equity
  
$
10,850,212
    
$
9,715,925
  

11
NBT Bancorp Inc. and Subsidiaries
Consolidated Statements of Income
(unaudited, dollars in thousands except per share data)

     
Three Months Ended
September 30,
      
Nine Months Ended
September 30,
   
   
2020
    
2019
    
2020
    
2019
  
Interest, fee and dividend income
                        
Interest and fees on loans
  
$
74,998
    
$
81,082
    
$
230,996
    
$
241,674
  
Securities available for sale
    
5,603
      
5,711
      
16,956
      
17,664
  
Securities held to maturity
    
3,734
      
4,586
      
11,751
      
14,892
  
Other
    
659
      
1,002
      
2,138
      
2,728
  
Total interest, fee and dividend income
  
$
84,994
    
$
92,381
    
$
261,841
    
$
276,958
  
Interest expense
                                
Deposits
  
$
4,267
    
$
10,745
    
$
18,183
    
$
29,805
  
Short-term borrowings
    
446
      
1,989
      
3,215
      
7,986
  
Long-term debt
    
398
      
498
      
1,184
      
1,391
  
Subordinated debt
    
1,375
      
-
      
1,503
      
-
  
Junior subordinated debt
    
565
      
1,095
      
2,186
      
3,404
  
Total interest expense
  
$
7,051
    
$
14,327
    
$
26,271
    
$
42,586
  
Net interest income
  
$
77,943
    
$
78,054
    
$
235,570
    
$
234,372
  
Provision for loan losses
    
3,261
      
6,324
      
51,741
      
19,408
  
Net interest income after provision for loan losses
  
$
74,682
    
$
71,730
    
$
183,829
    
$
214,964
  
Noninterest income
                                
Service charges on deposit accounts
  
$
3,087
    
$
4,330
    
$
9,613
    
$
12,790
  
ATM and debit card fees
    
7,194
      
6,277
      
19,184
      
17,958
  
Retirement plan administration fees
    
9,685
      
7,600
      
26,840
      
23,170
  
Wealth management4
    
7,695
      
7,630
      
21,791
      
21,315
  
Insurance4
    
3,742
      
4,000
      
11,303
      
12,291
  
Bank owned life insurance income
    
1,255
      
1,556
      
4,010
      
4,119
  
Net securities gains (losses)
    
84
      
4,036
      
(548
)
    
4,024
  
Other
    
4,985
      
4,291
      
15,968
      
12,115
  
Total noninterest income
  
$
37,727
    
$
39,720
    
$
108,161
    
$
107,782
  
Noninterest expense
                                
Salaries and employee benefits
  
$
40,451
    
$
39,352
    
$
120,918
    
$
117,275
  
Occupancy
    
5,294
      
5,335
      
16,354
      
17,053
  
Data processing and communications
    
4,058
      
4,492
      
12,370
      
13,599
  
Professional fees and outside services
    
3,394
      
3,535
      
10,694
      
10,562
  
Equipment
    
5,073
      
4,487
      
14,494
      
13,762
  
Office supplies and postage
    
1,530
      
1,667
      
4,621
      
4,835
  
FDIC expense (credit)
    
645
      
(20
)
    
1,949
      
1,946
  
Advertising
    
530
      
677
      
1,461
      
1,821
  
Amortization of intangible assets
    
856
      
874
      
2,573
      
2,735
  
Loan collection and other real estate owned, net
    
620
      
976
      
2,365
      
2,722
  
Other
    
3,857
      
8,374
      
14,730
      
18,130
  
Total noninterest expense
  
$
66,308
    
$
69,749
    
$
202,529
    
$
204,440
  
Income before income tax expense
  
$
46,101
    
$
41,701
    
$
89,461
    
$
118,306
  
Income tax expense
    
10,988
      
9,322
      
19,267
      
26,245
  
Net income
  
$
35,113
    
$
32,379
    
$
70,194
    
$
92,061
  
Earnings Per Share
                                
Basic
  
$
0.80
    
$
0.74
    
$
1.61
    
$
2.10
  
Diluted
  
$
0.80
    
$
0.73
    
$
1.60
    
$
2.09
  

12
NBT Bancorp Inc. and Subsidiaries
Quarterly Consolidated Statements of Income
(unaudited, dollars in thousands except per share data)

   
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Interest, fee and dividend income
                              
Interest and fees on loans
  
$
74,998
    
$
77,270
    
$
78,728
    
$
79,800
    
$
81,082
  
Securities available for sale
    
5,603
      
5,600
      
5,753
      
5,639
      
5,711
  
Securities held to maturity
    
3,734
      
3,926
      
4,091
      
4,213
      
4,586
  
Other
    
659
      
650
      
829
      
924
      
1,002
  
Total interest, fee and dividend income
  
$
84,994
    
$
87,446
    
$
89,401
    
$
90,576
    
$
92,381
  
Interest expense
                                        
Deposits
  
$
4,267
    
$
4,812
    
$
9,104
    
$
10,181
    
$
10,745
  
Short-term borrowings
    
446
      
972
      
1,797
      
1,707
      
1,989
  
Long-term debt
    
398
      
393
      
393
      
484
      
498
  
Subordinated debt
    
1,375
      
128
      
-
      
-
      
-
  
Junior subordinated debt
    
565
      
695
      
926
      
1,021
      
1,095
  
Total interest expense
  
$
7,051
    
$
7,000
    
$
12,220
    
$
13,393
    
$
14,327
  
Net interest income
  
$
77,943
    
$
80,446
    
$
77,181
    
$
77,183
    
$
78,054
  
Provision for loan losses
    
3,261
      
18,840
      
29,640
      
6,004
      
6,324
  
Net interest income after provision for loan losses
  
$
74,682
    
$
61,606
    
$
47,541
    
$
71,179
    
$
71,730
  
Noninterest income
                                        
Service charges on deposit accounts
  
$
3,087
    
$
2,529
    
$
3,997
    
$
4,361
    
$
4,330
  
ATM and debit card fees
    
7,194
      
6,136
      
5,854
      
5,935
      
6,277
  
Retirement plan administration fees
    
9,685
      
9,214
      
7,941
      
7,218
      
7,600
  
Wealth management4
    
7,695
      
6,823
      
7,273
      
7,085
      
7,630
  
Insurance4
    
3,742
      
3,292
      
4,269
      
3,479
      
4,000
  
Bank owned life insurance income
    
1,255
      
1,381
      
1,374
      
1,236
      
1,556
  
Net securities gains (losses)
    
84
      
180
      
(812
)
    
189
      
4,036
  
Other
    
4,985
      
5,456
      
5,527
      
6,738
      
4,291
  
Total noninterest income
  
$
37,727
    
$
35,011
    
$
35,423
    
$
36,241
    
$
39,720
  
Noninterest expense
                                        
Salaries and employee benefits
  
$
40,451
    
$
39,717
    
$
40,750
    
$
39,592
    
$
39,352
  
Occupancy
    
5,294
      
5,065
      
5,995
      
5,653
      
5,335
  
Data processing and communications
    
4,058
      
4,079
      
4,233
      
4,719
      
4,492
  
Professional fees and outside services
    
3,394
      
3,403
      
3,897
      
4,223
      
3,535
  
Equipment
    
5,073
      
4,779
      
4,642
      
4,821
      
4,487
  
Office supplies and postage
    
1,530
      
1,455
      
1,636
      
1,744
      
1,667
  
FDIC expense (credit)
    
645
      
993
      
311
      
-
      
(20
)
Advertising
    
530
      
322
      
609
      
952
      
677
  
Amortization of intangible assets
    
856
      
883
      
834
      
844
      
874
  
Loan collection and other real estate owned, net
    
620
      
728
      
1,017
      
1,436
      
976
  
Other
    
3,857
      
3,916
      
6,957
      
6,310
      
8,374
  
Total noninterest expense
  
$
66,308
    
$
65,340
    
$
70,881
    
$
70,294
    
$
69,749
  
Income before income tax expense
  
$
46,101
    
$
31,277
    
$
12,083
    
$
37,126
    
$
41,701
  
Income tax expense
    
10,988
      
6,564
      
1,715
      
8,166
      
9,322
  
Net income
  
$
35,113
    
$
24,713
    
$
10,368
    
$
28,960
    
$
32,379
  
Earnings Per Share
                                        
Basic
  
$
0.80
    
$
0.57
    
$
0.24
    
$
0.66
    
$
0.74
  
Diluted
  
$
0.80
    
$
0.56
    
$
0.23
    
$
0.66
    
$
0.73
  

13
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
  
 
 
Q3 - 2020
      
Q2 - 2020
      
Q1 - 2020
      
Q4 - 2019
      
Q3 - 2019
  
Assets
                                                  
         
         
Short-term interest bearing accounts
  
$
477,946
      
0.11
%
  
$
380,260
      
0.10
%
  
$
74,695
      
1.28
%
  
$
51,613
      
2.43
%
  
$
57,530
      
1.95
%
Securities available for sale1 5
    
1,137,604
      
1.96
%
    
985,561
      
2.29
%
    
962,527
      
2.40
%
    
942,302
      
2.37
%
    
940,256
      
2.41
%
Securities held to maturity1 5
    
621,812
      
2.56
%
    
613,899
      
2.75
%
    
622,398
      
2.81
%
    
651,305
      
2.73
%
    
698,617
      
2.77
%
Investment in FRB and FHLB Banks
    
29,720
      
7.08
%
    
36,604
      
6.09
%
    
39,784
      
5.97
%
    
37,842
      
6.37
%
    
40,525
      
7.04
%
Loans1 6
    
7,559,218
      
3.95
%
    
7,589,032
      
4.10
%
    
7,163,114
      
4.42
%
    
7,055,288
      
4.49
%
    
6,987,476
      
4.61
%
Total interest earning assets
  
$
9,826,300
      
3.45
%
  
$
9,605,356
      
3.68
%
  
$
8,862,518
      
4.07
%
  
$
8,738,350
      
4.13
%
  
$
8,724,404
      
4.22
%
Other assets
    
967,194
              
961,807
              
885,570
              
861,909
              
852,616
          
Total assets
  
$
10,793,494
            
$
10,567,163
            
$
9,748,088
            
$
9,600,259
            
$
9,577,020
          
                                                                                 
Liabilities and stockholders' equity
                                                                                
Money market deposit accounts
  
$
2,364,606
      
0.28
%
  
$
2,360,407
      
0.29
%
  
$
2,101,306
      
1.00
%
  
$
2,057,678
      
1.16
%
  
$
2,015,297
      
1.24
%
NOW deposit accounts
    
1,207,064
      
0.05
%
    
1,167,486
      
0.04
%
    
1,086,205
      
0.10
%
    
1,064,193
      
0.13
%
    
1,056,001
      
0.13
%
Savings deposits
    
1,447,021
      
0.05
%
    
1,383,495
      
0.05
%
    
1,276,285
      
0.06
%
    
1,251,432
      
0.06
%
    
1,274,793
      
0.06
%
Time deposits
    
684,708
      
1.31
%
    
760,803
      
1.48
%
    
842,989
      
1.62
%
    
853,353
      
1.69
%
    
893,837
      
1.75
%
Total interest bearing deposits
  
$
5,703,399
      
0.30
%
  
$
5,672,191
      
0.34
%
  
$
5,306,785
      
0.69
%
  
$
5,226,656
      
0.77
%
  
$
5,239,928
      
0.81
%
Short-term borrowings
    
277,890
      
0.64
%
    
427,004
      
0.92
%
    
533,516
      
1.35
%
    
475,332
      
1.42
%
    
490,694
      
1.61
%
Long-term debt
    
64,137
      
2.47
%
    
64,165
      
2.46
%
    
64,194
      
2.46
%
    
81,613
      
2.35
%
    
84,250
      
2.35
%
Subordinated debt, net
    
97,934
      
5.59
%
    
8,633
      
5.96
 %
   
-
      
-
      
-
      
-
      
-
      
-
  
Junior subordinated debt
    
101,196
      
2.22
%
    
101,196
      
2.76
%
    
101,196
      
3.68
%
    
101,196
      
4.00
%
    
101,196
      
4.29
%
Total interest bearing liabilities
  
$
6,244,556
      
0.45
%
  
$
6,273,189
      
0.45
%
  
$
6,005,691
      
0.82
%
  
$
5,884,797
      
0.90
%
  
$
5,916,068
      
0.96
%
Demand deposits
    
3,111,617
              
2,887,545
              
2,398,307
              
2,406,563
              
2,389,617
          
Other liabilities
    
282,265
              
271,635
              
214,495
              
199,674
              
185,374
          
Stockholders' equity
    
1,155,056
              
1,134,794
              
1,129,595
              
1,109,225
              
1,085,961
          
Total liabilities and stockholders' equity
  
$
10,793,494
            
$
10,567,163
            
$
9,748,088
            
$
9,600,259
            
$
9,577,020
          
                                                                                 
Interest rate spread
            
3.00
%
            
3.23
%
            
3.25
%
            
3.23
%
            
3.26
%
Net interest margin (FTE)1
            
3.17
%
            
3.38
%
            
3.52
%
            
3.52
%
            
3.57
%

14
NBT Bancorp Inc. and Subsidiaries
Average Year-to-Date Balance Sheets
(unaudited, dollars in thousands)

   
Average
Balance
    
Interest
    
Yield/
Rates
    
Average
Balance
    
Interest
    
Yield/
Rates
  
Nine Months Ended September 30,
  
2020
    
2019
  
Assets
                                    
Short-term interest bearing accounts
  
$
311,577
    
$
464
      
0.20
%
  
$
30,970
    
$
457
      
1.97
%
Securities available for sale1 5
    
1,028,962
      
16,956
      
2.20
%
    
968,517
      
17,695
      
2.44
%
Securities held to maturity1 5
    
619,379
      
12,562
      
2.71
%
    
750,305
      
15,921
      
2.84
%
Investment in FRB and FHLB Banks
    
35,349
      
1,674
      
6.33
%
    
45,254
      
2,271
      
6.71
%
Loans1 6
    
7,437,566
      
231,168
      
4.15
%
    
6,944,518
      
241,932
      
4.66
%
Total interest earning assets
  
$
9,432,833
    
$
262,824
      
3.72
%
  
$
8,739,564
    
$
278,276
      
4.26
%
Other assets
    
938,296
                      
821,859
                  
Total assets
  
$
10,371,129
                    
$
9,561,423
                  
                                                 
Liabilities and stockholders' equity
                                                
Money market deposit accounts
  
$
2,275,765
    
$
8,646
      
0.51
%
  
$
1,912,572
    
$
16,255
      
1.14
%
NOW deposit accounts
    
1,153,780
      
548
      
0.06
%
    
1,105,919
      
1,157
      
0.14
%
Savings deposits
    
1,369,219
      
553
      
0.05
%
    
1,269,723
      
550
      
0.06
%
Time deposits
    
762,548
      
8,436
      
1.48
%
    
929,819
      
11,843
      
1.70
%
Total interest bearing deposits
  
$
5,561,312
    
$
18,183
      
0.44
%
  
$
5,218,033
    
$
29,805
      
0.76
%
Short-term borrowings
    
412,312
      
3,215
      
1.04
%
    
607,155
      
7,986
      
1.76
%
Long-term debt
    
64,165
      
1,184
      
2.46
%
    
80,162
      
1,391
      
2.32
%
Subordinated debt, net
    
35,750
      
1,503
      
5.62
%
    
-
      
-
      
-
  
Junior subordinated debt
    
101,196
      
2,186
      
2.89
%
    
101,196
      
3,404
      
4.50
%
Total interest bearing liabilities
  
$
6,174,735
    
$
26,271
      
0.57
%
  
$
6,006,546
    
$
42,586
      
0.95
%
Demand deposits
    
2,800,297
                      
2,332,965
                  
Other liabilities
    
256,226
                      
166,537
                  
Stockholders' equity
    
1,139,871
                      
1,055,375
                  
Total liabilities and stockholders' equity
  
$
10,371,129
                    
$
9,561,423
                  
Net interest income (FTE)1
          
$
236,553
                    
$
235,690
          
Interest rate spread
                    
3.15
%
                    
3.31
%
Net interest margin (FTE)1
                    
3.35
%
                    
3.61
%
Taxable equivalent adjustment
          
$
983
                    
$
1,318
          
Net interest income
          
$
235,570
                    
$
234,372
          

15
NBT Bancorp Inc. and Subsidiaries
Consolidated Loan Balances
(unaudited, dollars in thousands)

The following table presents loans by line of business, paycheck protection program loans includes $11.3 million and $14.6 million in unamortized fees as of September 30, 2020 and June 30, 2020 respectively.

   
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Commercial
  
$
1,297,408
    
$
1,318,806
    
$
1,338,609
    
$
1,302,209
    
$
1,317,649
  
Commercial real estate
    
2,281,843
      
2,256,580
      
2,242,139
      
2,142,057
      
2,033,552
  
Paycheck protection program
    
514,558
      
510,097
      
-
      
-
      
-
  
Residential real estate mortgages
    
1,448,530
      
1,460,058
      
1,446,676
      
1,445,156
      
1,416,920
  
Indirect auto
    
989,369
      
1,091,889
      
1,184,888
      
1,193,635
      
1,195,783
  
Specialty lending
    
566,973
      
515,618
      
539,378
      
542,063
      
528,505
  
Home equity
    
404,346
      
415,528
      
431,536
      
444,082
      
452,535
  
Other consumer
    
57,616
      
59,415
      
64,157
      
66,896
      
68,865
  
Total loans
  
$
7,560,643
    
$
7,627,991
    
$
7,247,383
    
$
7,136,098
    
$
7,013,809
  

The following table provide loans as a percentage of total loans in industries vulnerable to the COVID-19 pandemic as of September 30, 2020:

Industry
  
% of Total
Loans
                                  
Accommodations
    
2.5
 %                                
Healthcare services and practices
    
2.1
 %                                
Restaurants and entertainment
    
1.9
 %                                
Retailers
    
1.7
 %                                
Automotive
    
1.3
 %                                
Total
    
9.5
 %                                

Allowance for Loan Losses as a Percentage of Loans by Segment7:

 
  
Incurred
    
CECL
                          
 
  
12/31/2019
    
1/1/2020
    
3/31/2020
    
6/30/2020*
    
9/30/2020*
  
Commercial & industrial
    
0.96
%
    
0.98
%
    
1.43
%
    
1.25
%
    
1.34
%
Commercial real estate
    
1.02
%
    
0.74
%
    
1.10
%
    
1.56
%
    
1.57
%
Paycheck protection program
    
0.00
%
    
0.00
%
    
0.00
%
    
0.01
%
    
0.01
%
Residential real estate
    
0.27
%
    
0.83
%
    
0.99
%
    
1.13
%
    
1.21
%
Auto
    
0.83
%
    
0.78
%
    
1.08
%
    
0.99
%
    
0.92
%
Other consumer
    
3.74
%
    
3.66
%
    
4.00
%
    
5.01
%
    
4.66
%
  Total
    
1.02
%
    
1.07
%
    
1.38
%
    
1.49
%
    
1.51
%

* Excluding PPP loans and related allowance, total allowance to loans was 1.59% and 1.62% as of June 30, 2020 and September 30, 2020 respectively.
16
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)

Pre-provision net revenue ("PPNR")
  
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Income before income tax expense
  
$
46,101
    
$
31,277
    
$
12,083
    
$
37,126
    
$
41,701
  
FTE adjustment
    
325
      
329
      
329
      
349
      
374
  
Provision for loan losses
    
3,261
      
18,840
      
29,640
      
6,004
      
6,324
  
Net securities (gains) losses
    
(84
)
    
(180
)
    
812
      
(189
)
    
(4,036
)
Nonrecurring expense
    
-
      
650
      
-
      
-
      
3,800
  
Unfunded loan commitments reserve
    
-
      
(200
)
    
2,000
      
-
      
-
  
PPNR
  
$
49,603
    
$
50,716
    
$
44,864
    
$
43,290
    
$
48,163
  
                                         
Average Assets
  
$
10,793,494
    
$
10,567,163
    
$
9,748,088
    
$
9,600,259
    
$
9,577,020
  
                                         
Return on Average Assets3
    
1.29
%
    
0.94
%
    
0.43
%
    
1.20
%
    
1.34
%
PPNR Return on Average Assets3
    
1.83
%
    
1.93
%
    
1.85
%
    
1.79
%
    
2.00
%

PPNR is a Non-GAAP financial measure that management believes is useful in evaluating the underlying operating results of the Company excluding the volatility in loan loss provision due to CECL adoption and the impact of the COVID-19 pandemic, net securities gains (losses) and non-recurring income and/or expense.

FTE Adjustment
  
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Net interest income
  
$
77,943
    
$
80,446
    
$
77,181
    
$
77,183
    
$
78,054
  
Add: FTE adjustment
    
325
      
329
      
329
      
349
      
374
  
Net interest income (FTE)
  
$
78,268
    
$
80,775
    
$
77,510
    
$
77,532
    
$
78,428
  
Average earning assets
  
$
9,826,300
    
$
9,605,356
    
$
8,862,518
    
$
8,738,350
    
$
8,724,404
  
Net interest margin (FTE)3
    
3.17
%
    
3.38
%
    
3.52
%
    
3.52
%
    
3.57
%
                                         
   
9 Months ended September 30,
                          
     
2020
      
2019
                          
Net interest income
  
$
235,570
    
$
234,372
                          
Add: FTE adjustment
    
983
      
1,318
                          
Net interest income (FTE)
  
$
236,553
    
$
235,690
                          
Average earning assets
  
$
9,432,833
    
$
8,739,564
                          
Net interest margin (FTE)3
    
3.35
%
    
3.61
%
                        

Interest income for tax-exempt securities and loans have been adjusted to a FTE basis using the statutory Federal income tax rate of 21%.

Tangible equity to tangible assets
  
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Total equity
  
$
1,166,111
    
$
1,142,652
    
$
1,112,179
    
$
1,120,397
    
$
1,098,601
  
Intangible assets
    
293,098
      
293,954
      
285,955
      
286,789
      
287,633
  
Total assets
  
$
10,850,212
    
$
10,847,184
    
$
9,953,543
    
$
9,715,925
    
$
9,661,386
  
Tangible equity to tangible assets
    
8.27
%
    
8.04
%
    
8.55
%
    
8.84
%
    
8.65
%

17
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)

Return on average tangible common equity
  
2020
    
2019
  
   
3rd Q
    
2nd Q
    
1st Q
    
4th Q
    
3rd Q
  
Net income
  
$
35,113
    
$
24,713
    
$
10,368
    
$
28,960
    
$
32,379
  
Amortization of intangible assets (net of tax)
    
642
      
662
      
626
      
633
      
656
  
Net income, excluding intangibles amortization
  
$
35,755
    
$
25,375
    
$
10,994
    
$
29,593
    
$
33,035
  
                                         
Average stockholders' equity
  
$
1,155,056
    
$
1,134,794
    
$
1,129,595
    
$
1,109,225
    
$
1,085,961
  
Less: average goodwill and other intangibles
    
293,572
      
294,423
      
286,400
      
287,268
      
288,077
  
Average tangible common equity
  
$
861,484
    
$
840,371
    
$
843,195
    
$
821,957
    
$
797,884
  
Return on average tangible common equity3
    
16.51
%
    
12.14
%
    
5.24
%
    
14.28
%
    
16.43
%

   
9 Months ended September 30,
                          
     
2020
      
2019
                          
Net income
  
$
70,194
    
$
92,061
                          
Amortization of intangible assets (net of tax)
    
1,930
      
2,051
                          
Net income, excluding intangibles amortization
  
$
72,124
    
$
94,112
                          
                                         
Average stockholders' equity
  
$
1,139,871
    
$
1,055,375
                          
Less: average goodwill and other intangibles
    
291,472
      
288,967
                          
Average tangible common equity
  
$
848,399
    
$
766,408
                          
Return on average tangible common equity3
    
11.36
%
    
16.42
%
                        

2
Non-GAAP measure - Stockholders' equity less goodwill and intangible assets divided by common shares outstanding.
3
Annualized.
4
Other financial services revenue previously disclosed and included with Insurance income has been reclassified and combined with Trust income and is disclosed as Wealth management income.
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.
7
The allowance for loan losses for December 31, 2019 was calculated based on the incurred losses methodology and beginning January 1, 2020, it was based on the CECL methodology. The risk-based pooling of loans (segments) for incurred and CECL are not consistent. For illustrative purposes only, the loans and related incurred allowance at December 31, 2019 were grouped to conform with the CECL methodology.


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