0001140361-21-014276.txt : 20210426 0001140361-21-014276.hdr.sgml : 20210426 20210426163021 ACCESSION NUMBER: 0001140361-21-014276 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20210426 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210426 DATE AS OF CHANGE: 20210426 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: 21854225 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 brhc10023580_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 26, 2021


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 26, 2021, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended March 31, 2021. 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 27, 2021, to review the first quarter 2021 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

99.1
Press release of NBT Bancorp Inc. dated April 26, 2021
 
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 26, 2021
By:
/s/ John V. Moran
   
John V. Moran
   
Executive Vice President
   
and Chief Financial Officer


EX-99.1 2 brhc10023580_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 FIRST QUARTER NET INCOME OF $39.8 MILLION ($0.91 PER DILUTED COMMON SHARE); APPROVES DIVIDEND

NORWICH, NY (April 26, 2021) – NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three months ended March 31, 2021.
 
Net income for the three months ended March 31, 2021 was $39.8 million, or $0.91 per diluted common share. Net income increased $5.7 million from the previous quarter primarily due to lower provision for loan losses and branch optimization charges recognized in the previous quarter. Net income increased $29.5 million from the first quarter of 2020 due to the adoption of the Current Expected Credit Losses (“CECL”) accounting methodology, including the estimated impact of the COVID-19 pandemic on expected credit losses, which resulted in first quarter 2020 provision for loan losses of $29.6 million.

Pre-provision net revenue (“PPNR”)1 for the first quarter of 2021 was $47.5 million compared to $48.2 million in the previous quarter and $44.9 million in the first quarter of 2020.
 
CEO Comments

“The results for the first quarter of 2021 demonstrate the resiliency of our banking platform. We drove commercial loan growth and experienced increased levels of consumer activity. Our mortgage pipeline is strong, and our indirect auto business exceeded production targets,” said NBT President and CEO John H. Watt, Jr. “We are optimistic about the prospects for the rest of the year driven by pent up demand and a snap back in many sectors of the economy that we anticipate will occur as the markets we serve continue to open up. Sustained levels of excellent credit quality allow for plenty of optionality in the deployment of capital which will drive growth. Record Assets Under Management and Administration in our wealth management business exceeded $9 billion. Finally, we leaned heavily into the Paycheck Protection Program in the latest round of funding to support the Main Street businesses and non-profits that are the backbone of the communities we serve.”

2
First Quarter Financial Highlights

Net Income
 ■
Net income of $39.8 million
■
Diluted earnings per share of $0.91
Net Interest Income / NIM
 ■
Net interest income on a fully taxable equivalent basis was $79.4 million1
■
Net interest margin (“NIM”) on a fully taxable equivalent basis was 3.17%1, down 3 basis points (“bps”) from the prior quarter
PPNR
 ■
PPNR1 was $47.5 million compared to $48.2 million in the fourth quarter of 2020 and $44.9 million in the first quarter of 2020
Loans and Credit Quality
 ■
Period end loans were $7.6 billion, up 7%, annualized, from December 31, 2020
■
Excluding $536 million of Paycheck Protection Program (“PPP”) loans at March 31, 2021, period end loans increased $29 million or 0.4% from December 31, 2020
■
Allowance for loan losses to total loans of 1.38% (1.48% excluding PPP loans and related allowance), down 9 bps from the fourth quarter (down 8 bps 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 0.41% (0.43% excluding PPP loans)
Capital
 ■
Tangible book value per share2 grew 1% for the quarter and 9% from prior year to $20.71 at March 31, 2021
■
Tangible equity to assets of 8.00%1
■
CET1 ratio of 12.13%; Leverage ratio of 9.60%

Loans


 ■
Period end total loans were $7.6 billion at March 31, 2021 and $7.5 billion at December 31, 2020.

■
Excluding PPP loans, period end loans increased $28.9 million from December 31, 2020. Commercial and industrial loans increased $3.6 million to $1.3 billion; commercial real estate loans increased $57.5 million to $2.4 billion; and total consumer loans decreased $32.2 million to $3.4 billion.

■
Total PPP loans as of March 31, 2021 were $536 million (net of unamortized fees). The following activity occurred during the first quarter of 2021:

o
$250 million in originations

o
$132.8 million of loans forgiven

o
$6.2 million recognized into interest income

■
Commercial line of credit utilization rate was 22% at March 31, 2021 consistent with 22% at December 31, 2020 and compared to 32% at March 31, 2020.

Deposits


 ■
Average total deposits in the first quarter of 2021 were $9.3 billion, compared to $9.1 billion in the fourth quarter of 2020, driven by increases in non-interest bearing demand deposit accounts and savings deposit accounts.

■
Loan to deposit ratio was 77.8% at March 31, 2021, compared to 82.6% at December 31, 2020.

3
Net Interest Income and Net Interest Margin
 

 ■
Net interest income for the first quarter of 2021 was $79.1 million, down $1.1 million or 1.3% from the fourth quarter of 2020 and up $1.9 million or 2.4% from the first quarter of 2020.

■
The NIM on a fully taxable equivalent (“FTE”) basis for the first quarter of 2021 was 3.17%, down 3 bps from the fourth quarter of 2020 and down 35 bps from the first quarter of 2020. The net impact of PPP loans and excess liquidity impacted the NIM by 8 bps in the both the first quarter and fourth quarter of 2020. Excluding the impact of PPP lending and excess liquidity from each quarter, the NIM decreased 3 bps from the prior quarter primarily due to an 8 bps decline in earning asset yields partially offset by a 6 bps decline in the cost of interest bearing liabilities and a $141 million increase in average checking deposit account balances during the quarter.

■
Earning asset yields for the three months ended March 31, 2021 were down 8 bps from the prior quarter and down 69 bps from the same quarter in the prior year. Earning assets grew $155.5 million or 1.6% from the prior quarter and grew $1.3 billion or 14.4% from the same quarter in the prior year. The following are highlights from the prior quarter:

o
Excess liquidity resulted in a $34.8 million increase in the average balances of short-term interest bearing accounts.

o
The average balance of investment securities increased $83.0 million while yields declined 6 bps.

o
Loan yields decreased 4 bps to 4.02% for the quarter. Excluding PPP loans, yields decreased 7 bps from the prior quarter driven by a 12 bps yield reduction in the commercial loan portfolio.

■
Total cost of deposits was 0.14% for the first quarter of 2021, down 3 bps from the prior quarter and down 34 bps from the same period in the prior year.

■
The cost of interest-bearing liabilities for the three months ended March 31, 2021 was 0.34%, down 6 bps compared to the prior quarter of 0.40% and down 48 bps from the first quarter of 2020 of 0.82%.

o
Cost of interest-bearing deposits decreased 5 bps from the prior quarter and decreased 48 bps from the same quarter in 2020.

Credit Quality and Allowance for Credit Losses


 ■
Net charge-offs to total average loans of 12 bps (13 bps excluding PPP loans) compared to 21 bps (22 bps excluding PPP loans) in the prior quarter and 32 bps in the first quarter of 2020. The decrease in charge-offs during the first quarter of 2021 was primarily due to lower charge-offs in commercial and indirect auto, which continue to be at lower levels due to pandemic relief programs.

■
Nonperforming assets to total assets was 0.41% (0.43% excluding PPP loans) compared to 0.45% (0.47% excluding PPP loans) at December 31, 2020.

■
Provision expense for the three months ended March 31, 2021 was ($2.8) million and net charge-offs were $2.2 million. Provision expense decreased $2.2 million from the fourth quarter of 2020 and decreased $32.4 million from the first quarter of 2020. The decrease in provision expense from the prior quarter and first quarter of 2020 was primarily due to the reduction in the level of allowance for loan losses resulting from an improved economic forecast.

4

 ■
The allowance for loan losses was $105.0 million or 1.38% (1.48% excluding PPP loans and related allowance) of total loans compared to 1.47% (1.56% excluding PPP loans and related allowance) at December 31, 2020. The decrease in the level of allowance for credit losses was primarily due to the positive impact the forecasted improving economic conditions had on expected credit losses.

■
As of April 12, 2021, 1.0% of loans (loans outstanding as of March 31, 2021; 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 decreased to $5.9 million at March 31, 2021 compared to the prior quarter at $6.4 million.

Noninterest Income
 

 ■
Total noninterest income, excluding securities gains (losses), was $36.6 million for the three months ended March 31, 2021, down $1.4 million from the prior quarter and up $0.3 million from the prior year quarter.

■
Service charges on deposit accounts were lower than the prior quarter and lower than the first quarter of 2020. Overdraft charges have been lower during the COVID-19 pandemic.

■
ATM and debit card fees were comparable to the prior quarter and higher compared to the first quarter of 2020 due to increased volume and higher per transaction rates.

■
Retirement plan administration fees were higher than the prior quarter driven by market performance and organic growth, and higher than the first quarter of 2020 due to the April 1, 2020 acquisition of Alliance Benefit Group of Illinois, Inc. (“ABG”) contributing $1.7 million in revenues during the first quarter of 2021 and $1.5 million during the fourth quarter of 2020.

■
The decrease in other noninterest income from the prior quarter was primarily due to lower loan swap fee income and the decrease from the first quarter of 2020 was driven by lower loan swap fee income combined with lower mortgage banking income.

Noninterest Expense


 ■
Total noninterest expense for the first quarter of 2021 was down 9.7% from the previous quarter and down 4.2% from the first quarter of 2020, primarily due to $4.1 million in branch optimization costs incurred during the fourth quarter of 2020.

■
Salaries and benefits increased from the prior quarter due to seasonally higher payroll taxes and stock-based compensation expenses and increased from the first quarter of 2020 driven by the addition of ABG’s salaries and benefits.

■
Data processing and communications increased from the prior quarter and the first quarter of 2020 driven by charges related to the addition of a digitized PPP platform.

■
Professional fees and outside services decreased from the prior quarter due to timing of initiatives.

■
Other expenses decreased $7.4 million from the prior quarter due to $4.1 million in branch optimization charges recognized in the prior quarter, a $1.4 million decrease in the provision for the reserve for unfunded commitments, lower travel training expenses and lower pension costs. The decrease from the first quarter of 2020 was due to a $2.5 million decrease in the reserve for unfunded commitments, lower travel training expenses during the COVID-19 pandemic and lower pension costs.

5
Income Taxes


 ■
The effective tax rate was 21.9% for the first quarter of 2021 compared to 21.6% for the fourth quarter of 2020 and 14.2% for the first quarter of 2020. The increase from the first quarter of 2020 was due to a higher level of taxable income relative to total income.

Capital


 ■
Capital ratios remain strong with tangible common equity to tangible assets1 at 8.00%. Tangible book value per share2 grew 1% from the prior quarter and 9% from the prior year quarter to $20.71.

■
March 31, 2021 CET1 capital ratio of 12.13%, leverage ratio of 9.60 % and total risk-based capital ratio of 15.92 %.

Stock Repurchase and Dividend


 ■
The Company purchased 257,031 shares of common stock during the first quarter of 2021 at a weighted average price of $35.09 excluding commissions. As of March 31, 2021, there were 1,742,969 shares available for repurchase under this plan, which expires on December 31, 2021.

■
The Board of Directors approved a second-quarter cash dividend of $0.27 per share at a meeting held today. The dividend will be paid on June 15, 2021 to shareholders of record as of June 1, 2021.

Conference Call and Webcast

The Company will host a conference call at 8:30 a.m. (Eastern) Tuesday, April 27, 2021, to review first quarter 2021 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Company’s Event Calendar 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 $11.5 billion at March 31, 2021. 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 141 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 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 novel coronavirus, which causes COVID-19 global pandemic; and (21) the Company’s success at managing the risks involved in the foregoing items.

7
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, 2020 as being heightened as a result of the ongoing and numerous adverse impacts of the COVID-19 pandemic. The Company cautions readers not 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.

8
NBT Bancorp Inc. and Subsidiaries
                              
Selected Financial Data
                              
(unaudited, dollars in thousands except per share data)
                    
                               
   
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Profitability:
                              
Diluted earnings per share
  
$
0.91
    
$
0.78
    
$
0.80
    
$
0.56
    
$
0.23
  
Weighted average diluted common shares outstanding
    
43,889,889
      
43,973,971
      
43,941,953
      
43,928,344
      
44,130,324
  
Return on average assets3
    
1.46
%
    
1.24
%
    
1.29
%
    
0.94
%
    
0.43
%
Return on average equity3
    
13.57
%
    
11.59
%
    
12.09
%
    
8.76
%
    
3.69
%
Return on average tangible common equity1 3
    
18.24
%
    
15.71
%
    
16.51
%
    
12.14
%
    
5.24
%
Net interest margin1 3
    
3.17
%
    
3.20
%
    
3.17
%
    
3.38
%
    
3.52
%
                                         
     
2021
    
2020
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Balance sheet data:
                                        
Securities available for sale
  
$
1,387,028
    
$
1,348,698
    
$
1,197,925
    
$
1,108,443
    
$
1,000,980
  
Securities held to maturity
    
592,999
      
616,560
      
663,088
      
599,164
      
621,359
  
Net loans
    
7,528,459
      
7,388,885
      
7,446,143
      
7,514,491
      
7,147,383
  
Total assets
    
11,537,253
      
10,932,906
      
10,850,212
      
10,847,184
      
9,953,543
  
Total deposits
    
9,815,930
      
9,081,692
      
8,958,183
      
8,815,891
      
7,864,638
  
Total borrowings
    
308,766
      
406,731
      
446,737
      
602,988
      
714,283
  
Total liabilities
    
10,346,272
      
9,745,288
      
9,684,101
      
9,704,532
      
8,841,364
  
Stockholders' equity
    
1,190,981
      
1,187,618
      
1,166,111
      
1,142,652
      
1,112,179
  
                                         
Capital:
                                        
Equity to assets
    
10.32
%
    
10.86
%
    
10.75
%
    
10.53
%
    
11.17
%
Tangible equity ratio1
    
8.00
%
    
8.41
%
    
8.27
%
    
8.04
%
    
8.55
%
Book value per share
  
$
27.43
    
$
27.22
    
$
26.74
    
$
26.20
    
$
25.52
  
Tangible book value per share2
  
$
20.71
    
$
20.52
    
$
20.02
    
$
19.46
    
$
18.96
  
Leverage ratio
    
9.60
%
    
9.56
%
    
9.48
%
    
9.44
%
    
10.02
%
Common equity tier 1 capital ratio
    
12.13
%
    
11.84
%
    
11.63
%
    
11.34
%
    
10.90
%
Tier 1 capital ratio
    
13.38
%
    
13.09
%
    
12.88
%
    
12.60
%
    
12.14
%
Total risk-based capital ratio
    
15.92
%
    
15.62
%
    
15.43
%
    
15.15
%
    
13.36
%
Common stock price (end of period)
  
$
39.90
    
$
32.10
    
$
26.82
    
$
30.06
    
$
32.39
  

9
NBT Bancorp Inc. and Subsidiaries
                              
Selected Financial Data
                              
(unaudited, dollars in thousands except per share data)
                    
                               
   
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Asset quality:
                              
Nonaccrual loans
  
$
43,399
    
$
44,647
    
$
35,896
    
$
25,567
    
$
29,972
  
90 days past due and still accruing
    
2,155
      
3,149
      
2,579
      
2,057
      
2,280
  
Total nonperforming loans
    
45,554
      
47,796
      
38,475
      
27,624
      
32,252
  
Other real estate owned
    
1,318
      
1,458
      
1,605
      
1,783
      
2,384
  
Total nonperforming assets
    
46,872
      
49,254
      
40,080
      
29,407
      
34,636
  
Allowance for loan losses
    
105,000
      
110,000
      
114,500
      
113,500
      
100,000
  
                                         
Asset quality ratios (total):
                                        
Allowance for loan losses to total loans
    
1.38
%
    
1.47
%
    
1.51
%
    
1.49
%
    
1.38
%
Total nonperforming loans to total loans
    
0.60
%
    
0.64
%
    
0.51
%
    
0.36
%
    
0.45
%
Total nonperforming assets to total assets
    
0.41
%
    
0.45
%
    
0.37
%
    
0.27
%
    
0.35
%
Allowance for loan losses to total nonperforming loans
    
230.50
%
    
230.14
%
    
297.60
%
    
410.87
%
    
310.06
%
Past due loans to total loans
    
0.22
%
    
0.37
%
    
0.26
%
    
0.30
%
    
0.51
%
Net charge-offs to average loans3
    
0.12
%
    
0.21
%
    
0.12
%
    
0.28
%
    
0.32
%
                                         
Asset quality ratios (excluding paycheck protection program):
                          
Allowance for loan losses to total loans
    
1.48
%
    
1.56
%
    
1.62
%
    
1.59
%
    
1.38
%
Total nonperforming loans to total loans
    
0.64
%
    
0.68
%
    
0.55
%
    
0.39
%
    
0.45
%
Total nonperforming assets to total assets
    
0.43
%
    
0.47
%
    
0.39
%
    
0.28
%
    
0.35
%
Allowance for loan losses to total nonperforming loans
    
230.44
%
    
230.10
%
    
297.53
%
    
410.78
%
    
310.06
%
Past due loans to total loans
    
0.23
%
    
0.39
%
    
0.28
%
    
0.32
%
    
0.51
%
Net charge-offs to average loans3
    
0.13
%
    
0.22
%
    
0.13
%
    
0.30
%
    
0.32
%

10
NBT Bancorp Inc. and Subsidiaries
            
Consolidated Balance Sheets
            
(unaudited, dollars in thousands)
            
             
   
March 31,
    
December 31,
  
Assets
  
2021
    
2020
  
Cash and due from banks
  
$
182,830
    
$
159,995
  
Short-term interest bearing accounts
    
972,195
      
512,686
  
Equity securities, at fair value
    
32,247
      
30,737
  
Securities available for sale, at fair value
    
1,387,028
      
1,348,698
  
Securities held to maturity (fair value $600,176 and $636,827, respectively)
    
592,999
      
616,560
  
Federal Reserve and Federal Home Loan Bank stock
    
25,127
      
27,353
  
Loans held for sale
    
1,295
      
1,119
  
Loans
    
7,633,459
      
7,498,885
  
Less allowance for loan losses
    
105,000
      
110,000
  
  Net loans
  
$
7,528,459
    
$
7,388,885
  
Premises and equipment, net
    
72,705
      
74,206
  
Goodwill
    
280,541
      
280,541
  
Intangible assets, net
    
10,923
      
11,735
  
Bank owned life insurance
    
187,458
      
186,434
  
Other assets
    
263,446
      
293,957
  
Total assets
  
$
11,537,253
    
$
10,932,906
  
                 
Liabilities and stockholders' equity
                
Demand (noninterest bearing)
  
$
3,495,622
    
$
3,241,123
  
Savings, NOW and money market
    
5,715,935
      
5,207,090
  
Time
    
604,373
      
633,479
  
  Total deposits
  
$
9,815,930
    
$
9,081,692
  
Short-term borrowings
    
95,339
      
168,386
  
Long-term debt
    
14,069
      
39,097
  
Subordinated debt, net
    
98,162
      
98,052
  
Junior subordinated debt
    
101,196
      
101,196
  
Other liabilities
    
221,576
      
256,865
  
  Total liabilities
  
$
10,346,272
    
$
9,745,288
  
                 
Total stockholders' equity
  
$
1,190,981
    
$
1,187,618
  
                 
Total liabilities and stockholders' equity
  
$
11,537,253
    
$
10,932,906
  

11
NBT Bancorp Inc. and Subsidiaries
                              
Quarterly Consolidated Statements of Income
                          
(unaudited, dollars in thousands except per share data)
                          
                               
   
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Interest, fee and dividend income
                              
Interest and fees on loans
  
$
75,093
    
$
76,863
    
$
74,998
    
$
77,270
    
$
78,728
  
Securities available for sale
    
5,544
      
5,478
      
5,603
      
5,600
      
5,753
  
Securities held to maturity
    
3,382
      
3,532
      
3,734
      
3,926
      
4,091
  
Other
    
291
      
568
      
659
      
650
      
829
  
  Total interest, fee and dividend income
  
$
84,310
    
$
86,441
    
$
84,994
    
$
87,446
    
$
89,401
  
Interest expense
                                        
Deposits
  
$
3,172
    
$
3,887
    
$
4,267
    
$
4,812
    
$
9,104
  
Short-term borrowings
    
70
      
193
      
446
      
972
      
1,797
  
Long-term debt
    
124
      
369
      
398
      
393
      
393
  
Subordinated debt
    
1,359
      
1,339
      
1,375
      
128
      
-
  
Junior subordinated debt
    
530
      
545
      
565
      
695
      
926
  
  Total interest expense
  
$
5,255
    
$
6,333
    
$
7,051
    
$
7,000
    
$
12,220
  
Net interest income
  
$
79,055
    
$
80,108
    
$
77,943
    
$
80,446
    
$
77,181
  
Provision for loan losses
    
(2,796
)
    
(607
)
    
3,261
      
18,840
      
29,640
  
  Net interest income after provision for loan losses
  
$
81,851
    
$
80,715
    
$
74,682
    
$
61,606
    
$
47,541
  
Noninterest income
                                        
Service charges on deposit accounts
  
$
3,027
    
$
3,588
    
$
3,087
    
$
2,529
    
$
3,997
  
ATM and debit card fees
    
6,862
      
6,776
      
7,194
      
6,136
      
5,854
  
Retirement plan administration fees
    
10,098
      
9,011
      
9,685
      
9,214
      
7,941
  
Wealth management
    
7,910
      
7,456
      
7,695
      
6,823
      
7,273
  
Insurance
    
3,461
      
3,454
      
3,742
      
3,292
      
4,269
  
Bank owned life insurance income
    
1,381
      
1,733
      
1,255
      
1,381
      
1,374
  
Net securities gains (losses)
    
467
      
160
      
84
      
180
      
(812
)
Other
    
3,832
      
5,937
      
4,985
      
5,456
      
5,527
  
  Total noninterest income
  
$
37,038
    
$
38,115
    
$
37,727
    
$
35,011
    
$
35,423
  
Noninterest expense
                                        
Salaries and employee benefits
  
$
41,601
    
$
41,016
    
$
40,451
    
$
39,717
    
$
40,750
  
Occupancy
    
5,873
      
5,280
      
5,294
      
5,065
      
5,995
  
Data processing and communications
    
4,731
      
4,157
      
4,058
      
4,079
      
4,233
  
Professional fees and outside services
    
3,589
      
4,388
      
3,394
      
3,403
      
3,897
  
Equipment
    
5,177
      
5,395
      
5,073
      
4,779
      
4,642
  
Office supplies and postage
    
1,499
      
1,517
      
1,530
      
1,455
      
1,636
  
FDIC expense
    
808
      
739
      
645
      
993
      
311
  
Advertising
    
451
      
827
      
530
      
322
      
609
  
Amortization of intangible assets
    
812
      
822
      
856
      
883
      
834
  
Loan collection and other real estate owned, net
    
590
      
930
      
620
      
728
      
1,017
  
Other
    
2,757
      
10,133
      
3,857
      
3,916
      
6,957
  
  Total noninterest expense
  
$
67,888
    
$
75,204
    
$
66,308
    
$
65,340
    
$
70,881
  
Income before income tax expense
  
$
51,001
    
$
43,626
    
$
46,101
    
$
31,277
    
$
12,083
  
Income tax expense
    
11,155
      
9,432
      
10,988
      
6,564
      
1,715
  
   Net income
  
$
39,846
    
$
34,194
    
$
35,113
    
$
24,713
    
$
10,368
  
Earnings Per Share
                                        
Basic
  
$
0.91
    
$
0.78
    
$
0.80
    
$
0.57
    
$
0.24
  
Diluted
  
$
0.91
    
$
0.78
    
$
0.80
    
$
0.56
    
$
0.23
  

12
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 - 2021
      
Q4 - 2020
      
Q3 - 2020
      
Q2 - 2020
      
Q1 - 2020
  
Assets
                                                                      
Short-term interest bearing accounts
  
$
587,358
      
0.09
%
  
$
552,529
      
0.11
%
  
$
477,946
      
0.11
%
  
$
380,260
      
0.10
%
  
$
74,695
      
1.28
%
Securities available for sale1 4
    
1,346,380
      
1.67
%
    
1,230,411
      
1.77
%
    
1,137,604
      
1.96
%
    
985,561
      
2.29
%
    
962,527
      
2.40
%
Securities held to maturity1 4
    
607,407
      
2.43
%
    
640,422
      
2.36
%
    
621,812
      
2.56
%
    
613,899
      
2.75
%
    
622,398
      
2.81
%
Investment in FRB and FHLB Banks
    
25,606
      
2.45
%
    
28,275
      
5.94
%
    
29,720
      
7.08
%
    
36,604
      
6.09
%
    
39,784
      
5.97
%
Loans1 5
    
7,574,337
      
4.02
%
    
7,533,953
      
4.06
%
    
7,559,218
      
3.95
%
    
7,589,032
      
4.10
%
    
7,163,114
      
4.42
%
Total interest earning assets
  
$
10,141,088
      
3.38
%
  
$
9,985,590
      
3.46
%
  
$
9,826,300
      
3.45
%
  
$
9,605,356
      
3.68
%
  
$
8,862,518
      
4.07
%
Other assets
    
960,994
              
954,123
              
967,194
              
961,807
              
885,570
          
Total assets
  
$
11,102,082
            
$
10,939,713
            
$
10,793,494
            
$
10,567,163
            
$
9,748,088
          
                                                                                 
Liabilities and stockholders' equity
                                                                          
Money market deposit accounts
  
$
2,484,120
      
0.23
%
  
$
2,455,510
      
0.27
%
  
$
2,364,606
      
0.28
%
  
$
2,360,407
      
0.29
%
  
$
2,101,306
      
1.00
%
NOW deposit accounts
    
1,358,955
      
0.05
%
    
1,315,370
      
0.05
%
    
1,207,064
      
0.05
%
    
1,167,486
      
0.04
%
    
1,086,205
      
0.10
%
Savings deposits
    
1,547,983
      
0.05
%
    
1,465,562
      
0.05
%
    
1,447,021
      
0.05
%
    
1,383,495
      
0.05
%
    
1,276,285
      
0.06
%
Time deposits
    
615,343
      
0.93
%
    
645,288
      
1.15
%
    
684,708
      
1.31
%
    
760,803
      
1.48
%
    
842,989
      
1.62
%
Total interest bearing deposits
  
$
6,006,401
      
0.21
%
  
$
5,881,730
      
0.26
%
  
$
5,703,399
      
0.30
%
  
$
5,672,191
      
0.34
%
  
$
5,306,785
      
0.69
%
Short-term borrowings
    
115,182
      
0.25
%
    
175,597
      
0.44
%
    
277,890
      
0.64
%
    
427,004
      
0.92
%
    
533,516
      
1.35
%
Long-term debt
    
19,913
      
2.53
%
    
59,488
      
2.47
%
    
64,137
      
2.47
%
    
64,165
      
2.46
%
    
64,194
      
2.46
%
Subordinated debt, net
    
98,095
      
5.62
%
    
97,984
      
5.44
%
    
97,934
      
5.59
%
    
8,633
      
5.96
%
    
-
      
-
  
Junior subordinated debt
    
101,196
      
2.12
%
    
101,196
      
2.14
%
    
101,196
      
2.22
%
    
101,196
      
2.76
%
    
101,196
      
3.68
%
Total interest bearing liabilities
  
$
6,340,787
      
0.34
%
  
$
6,315,995
      
0.40
%
  
$
6,244,556
      
0.45
%
  
$
6,273,189
      
0.45
%
  
$
6,005,691
      
0.82
%
Demand deposits
    
3,319,024
              
3,178,410
              
3,111,617
              
2,887,545
              
2,398,307
          
Other liabilities
    
250,991
              
271,206
              
282,265
              
271,635
              
214,495
          
Stockholders' equity
    
1,191,280
              
1,174,102
              
1,155,056
              
1,134,794
              
1,129,595
          
Total liabilities and stockholders' equity
  
$
11,102,082
            
$
10,939,713
            
$
10,793,494
            
$
10,567,163
            
$
9,748,088
          
                                                                                 
Interest rate spread
            
3.04
%
            
3.06
%
            
3.00
%
            
3.23
%
            
3.25
%
Net interest margin (FTE)1
            
3.17
%
            
3.20
%
            
3.17
%
            
3.38
%
            
3.52
%

13
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 $14.2 million, $6.9 million, $11.3 million and  $14.6 million in unamortized fees as of March 31, 2021 December 31, 2020 September 30, 2020 and June 30, 2020, respectively.

   
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Commercial
  
$
1,271,319
    
$
1,267,679
    
$
1,297,408
    
$
1,318,806
    
$
1,338,609
  
Commercial real estate
    
2,437,811
      
2,380,358
      
2,281,843
      
2,256,580
      
2,242,139
  
Paycheck protection program
    
536,494
      
430,810
      
514,558
      
510,097
      
-
  
Residential real estate mortgages
    
1,478,216
      
1,466,662
      
1,448,530
      
1,460,058
      
1,446,676
  
Indirect auto
    
913,083
      
931,286
      
989,369
      
1,091,889
      
1,184,888
  
Specialty lending
    
577,509
      
579,644
      
566,973
      
515,618
      
539,378
  
Home equity
    
369,633
      
387,974
      
404,346
      
415,528
      
431,536
  
Other consumer
    
49,394
      
54,472
      
57,616
      
59,415
      
64,157
  
  Total loans
  
$
7,633,459
    
$
7,498,885
    
$
7,560,643
    
$
7,627,991
    
$
7,247,383
  

The following table provide loans as a percentage of total loans in industries vulnerable to the COVID-19 pandemic as of March 31, 2021 excluding PPP loans:

Industry
  
% of Total
Loans
  
Accommodations
    
2.4
%
Healthcare services and practices
    
2.2
%
Restaurants and entertainment
    
1.8
%
Retailers
    
1.7
%
Automotive
    
1.4
%
  Total
    
9.5
%

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

   
2020
    
2021
  
   
1st Q
    
2nd Q
    
3rd Q
    
4th Q
    
1st Q
  
Commercial & industrial
    
1.43
%
    
1.25
%
    
1.34
%
    
1.34
%
    
1.20
%
Commercial real estate
    
1.10
%
    
1.56
%
    
1.57
%
    
1.49
%
    
1.48
%
Paycheck protection program
    
0.00
%
    
0.01
%
    
0.01
%
    
0.01
%
    
0.01
%
Residential real estate
    
0.99
%
    
1.13
%
    
1.21
%
    
1.07
%
    
1.03
%
Auto
    
1.08
%
    
0.99
%
    
0.92
%
    
0.93
%
    
0.78
%
Other consumer
    
4.00
%
    
5.01
%
    
4.66
%
    
4.55
%
    
4.34
%
  Total
    
1.38
%
    
1.49
%
    
1.51
%
    
1.47
%
    
1.38
%
                                         
  Total excluding PPP loans
    
1.38
%
    
1.59
%
    
1.62
%
    
1.56
%
    
1.48
%

14
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")
  
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Income before income tax expense
  
$
51,001
    
$
43,626
    
$
46,101
    
$
31,277
    
$
12,083
  
FTE adjustment
    
302
      
318
      
325
      
329
      
329
  
Provision for loan losses
    
(2,796
)
    
(607
)
    
3,261
      
18,840
      
29,640
  
Net securities (gains) losses
    
(467
)
    
(160
)
    
(84
)
    
(180
)
    
812
  
Nonrecurring expense
    
-
      
4,100
      
-
      
650
      
-
  
Unfunded loan commitments reserve
    
(500
)
    
900
      
-
      
(200
)
    
2,000
  
PPNR
  
$
47,540
    
$
48,177
    
$
49,603
    
$
50,716
    
$
44,864
  
                                         
Average Assets
  
$
11,102,082
    
$
10,939,713
    
$
10,793,494
    
$
10,567,163
    
$
9,748,088
  
                                         
Return on Average Assets3
    
1.46
%
    
1.24
%
    
1.29
%
    
0.94
%
    
0.43
%
PPNR Return on Average Assets3
    
1.74
%
    
1.75
%
    
1.83
%
    
1.93
%
    
1.85
%

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
  
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Net interest income
  
$
79,055
    
$
80,108
    
$
77,943
    
$
80,446
    
$
77,181
  
Add: FTE adjustment
    
302
      
318
      
325
      
329
      
329
  
Net interest income (FTE)
  
$
79,357
    
$
80,426
    
$
78,268
    
$
80,775
    
$
77,510
  
Average earning assets
  
$
10,141,088
    
$
9,985,590
    
$
9,826,300
    
$
9,605,356
    
$
8,862,518
  
Net interest margin (FTE)3
    
3.17
%
    
3.20
%
    
3.17
%
    
3.38
%
    
3.52
%

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

15
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)
                              
                               
Tangible equity to tangible assets
  
2021
    
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Total equity
  
$
1,190,981
    
$
1,187,618
    
$
1,166,111
    
$
1,142,652
    
$
1,112,179
  
Intangible assets
    
291,464
      
292,276
      
293,098
      
293,954
      
285,955
  
Total assets
  
$
11,537,253
    
$
10,932,906
    
$
10,850,212
    
$
10,847,184
    
$
9,953,543
  
Tangible equity to tangible assets
    
8.00
%
    
8.41
%
    
8.27
%
    
8.04
%
    
8.55
%
                                         
Return on average tangible common equity
    
2021
      
2020
  
   
1st Q
    
4th Q
    
3rd Q
    
2nd Q
    
1st Q
  
Net income
  
$
39,846
    
$
34,194
    
$
35,113
    
$
24,713
    
$
10,368
  
Amortization of intangible assets (net of tax)
    
609
      
617
      
642
      
662
      
626
  
Net income, excluding intangibles amortization
  
$
40,455
    
$
34,811
    
$
35,755
    
$
25,375
    
$
10,994
  
                                         
Average stockholders' equity
  
$
1,191,280
    
$
1,174,102
    
$
1,155,056
    
$
1,134,794
    
$
1,129,595
  
Less: average goodwill and other intangibles
    
291,921
      
292,725
      
293,572
      
294,423
      
286,400
  
Average tangible common equity
  
$
899,359
    
$
881,377
    
$
861,484
    
$
840,371
    
$
843,195
  
Return on average tangible common equity3
    
18.24
%
    
15.71
%
    
16.51
%
    
12.14
%
    
5.24
%

2 Non-GAAP measure - Stockholders' equity less goodwill and intangible assets divided by common shares outstanding.
3 Annualized.
4 Securities are shown at average amortized cost.
5 For purposes of these computations, nonaccrual loans and loans held for sale are included in the average loan balances outstanding.


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