NBT Bancorp (NBTB) Income Statement

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Interest and fees on loans and leases	63.41M
Securities available for sale	6.01M
Securities held to maturity	2.54M
Other	538K
Total interest, fee, and dividend income	72.51M
Deposits	3.61M
Short-term borrowings	761K
Long-term debt	819K
Trust preferred debentures	660K
Total interest expense	5.85M
Net interest income	66.66M
Provision for loan and lease losses	6.39M
Net interest income after provision for loan and lease losses	60.27M
Service charges on deposit accounts	4.35M
Insurance and other financial services revenue	6.11M
Trust	4.54M
Net securities gains	0
Bank owned life insurance	1.34M
ATM and debit card fees	5.06M
Retirement plan administration fees	4.13M
Other	4.11M
Total noninterest income	29.64M
Salaries and employee benefits	32.78M
Occupancy	5.04M
Equipment	3.66M
Data processing and communications	4.18M
Professional fees and outside services	3.34M
Office supplies and postage	1.44M
Amortization of intangible assets	952K
Loan collection and other real estate owned	985K
Advertising	634K
FDIC expenses	1.29M
Other	5.32M
Total noninterest expense	59.61M
Income before income tax expense	30.3M
Income tax expense	10.3M
Net income	20M
Basic	0.46
Diluted	0.46

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