nbtb: the income statement

MyFinsight

NBT BANCORP INC (NBTB)

For the quarter ending 2025-06-30, NBTB made $224,509K in revenue. $22,510K in net income. Net profit margin of 10.03%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30
Income tax expense	8,197
Other	3,500
Insurance services	4,097
Net securities gains (losses)	112
Bank owned life insurance income	2,180
Wealth management	10,678
Service charges on deposit accounts	4,578
Retirement plan administration fees	15,710
Card services income	6,077
Total noninterest income	46,932
Office supplies and postage	1,871
Professional fees and outside services	5,021
Other	8,216
Occupancy	9,038
Salaries and employee benefits	64,155
Fdic assessment	1,820
Technology and data services	10,804
Acquisition expenses	17,180
Amortization of intangible assets	3,042
Advertising	974
Loan collection and other real estate owned, net	489
Total noninterest expense	122,610
Provision for loan losses	17,835
Subordinated debt	2,001
Short-term borrowings	1,046
Junior subordinated debt	1,795
Deposits	48,219
Long-term debt	296
Total interest expense	53,357
Other	2,186
Securities available for sale	11,609
Interest and fees on loans	158,912
Securities held to maturity	4,870
Total interest, fee and dividend income	177,577
Net interest income	124,220
Net interest income after provision for loan losses	106,385
Income before income tax expense	30,707
Net income	22,510

Basic (in dollars per share)	0.45
Diluted (in dollars per share)	0.44
Weighted average common shares outstanding (in shares)	50,575,000
Weighted average common shares outstanding (in shares)	50,575,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS)