Summary - Funding Rounds

Founding Date

1999
NBT Bancorp is a subsidiary of State Bank Financial

NBT Bancorp Income Statement

Annual

USDFY, 2016FY, 2017

Cost of goods sold

22.5 m25.9 m

Sales and marketing expense

132.3 m2.7 m

Operating expense total

132.3 m245.6 m

Depreciation and amortization

4 m

EBIT

239 m252.5 m

Pre tax profit

118.8 m128.2 m

Income tax expense

40.4 m46 m

Net Income

78.4 m82.2 m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017Q1, 2018

Cost of goods sold

5 m5.3 m5.4 m5.6 m5.8 m5.9 m7.3 m

Sales and marketing expense

31.6 m30.6 m32.9 m33.5 m33.4 m34 m337 k

Operating expense total

31.6 m30.6 m32.9 m33.5 m33.4 m34 m64.3 m

Depreciation and amortization

914 k

EBIT

58.8 m59.3 m58.5 m61 m60.3 m61.1 m64 m66 m

Pre tax profit

29 m30.6 m28.6 m30.2 m30.3 m28.6 m33 m

Income tax expense

9.8 m10.8 m9.7 m10.3 m10.3 m8.3 m11.3 m7 m

Net Income

45.6 m56.6 m18.2 m37.4 m57.3 m18.9 m38.8 m58.8 m20.3 m22.9 m26 m

NBT Bancorp Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

157.6 m139.6 m130.6 m147.8 m156.9 m

Accounts Receivable

31.8 m

Inventories

6.2 b6.6 b

PP&E

88.3 m89.3 m88.8 m84.2 m81.3 m

Goodwill

265 m263.6 m266 m265.4 m268 m

Total Assets

7.7 b7.8 b8.3 b8.9 b9.1 b

Accounts Payable

7 b7.2 b

Short-term debt

456 m316.8 m442.5 m681.7 m719.1 m

Long-term debt

308.8 m130.9 m130.4 m104.1 m88.9 m

Total Debt

764.9 m447.7 m572.9 m785.8 m808 m

Total Liabilities

8 b8.2 b

Additional Paid-in Capital

574.2 m576.5 m576.7 m575.1 m574.2 m

Retained Earnings

385.8 m424 m462.2 m501.8 m543.7 m

Total Equity

816.6 m864.2 m882 m913.3 m958.2 m

Debt to Equity Ratio

0.9 x0.5 x0.6 x0.9 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

9.4 x9 x9.4 x9.7 x9.5 x

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017Q1, 2018

Cash

127.7 m175 m139.9 m151.8 m167.1 m137.3 m157.5 m

Inventories

5.8 b5.9 b6 b6 b6.2 b6.3 b6.6 b

PP&E

87.7 m87.8 m86.4 m84.6 m84.2 m83.1 m80.1 m

Goodwill

263.6 m263.6 m266 m266 m264.7 m265.4 m268 m268 m

Total Assets

8.1 b8.2 b8.5 b8.6 b8.8 b8.9 b9.2 b9.2 b

Accounts Payable

6.4 b6.6 b6.9 b6.7 b6.9 b7.2 b7.4 b

Short-term debt

512 m362.3 m347.9 m666.4 m585 m540.2 m586 m

Long-term debt

130.7 m130.6 m130.4 m110.3 m114.1 m104 m88.9 m88.8 m

Total Debt

88.9 m674.8 m

Total Liabilities

8.2 b8.3 b

Additional Paid-in Capital

575.6 m576.5 m573.8 m573.1 m573.7 m573.6 m573.8 m574.6 m

Retained Earnings

442.4 m452.7 m471.7 m482.1 m492.1 m511.9 m536.1 m555.8 m

Total Equity

876 m876.2 m881.7 m896.4 m909.3 m926.8 m955.2 m952.7 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

9.2 x9.3 x9.6 x9.6 x9.6 x9.7 x9.6 x9.7 x

NBT Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

61.7 m75.1 m76.4 m78.4 m82.2 m

Depreciation and Amortization

4.9 m3.9 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

119.3 m87.8 m124.5 m109.5 m136.9 m

Cash From Investing Activities

(183.8 m)(143.7 m)(504 m)(630 m)(305.2 m)

Long-term Borrowings

(163.6 m)(315.8 m)(498 k)(50.2 m)(40.2 m)

Cash From Financing Activities

59.7 m43.6 m373.1 m529.3 m178.8 m

Interest Paid

31.3 m23.4 m20.9 m22.5 m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017Q1, 2018

Net Income

45.6 m56.6 m18.2 m37.4 m57.3 m18.9 m38.8 m58.8 m20.3 m22.9 m26 m

Depreciation and Amortization

1.2 m1.2 m1.1 m928 k952 k967 k

Cash From Operating Activities

43 m58.8 m30 m55.4 m93.1 m29.3 m50.1 m79.9 m27.7 m96.6 m40.1 m

Cash From Investing Activities

(157.2 m)(165.3 m)(79.7 m)(305.5 m)(348.6 m)(190.3 m)(320.1 m)(457.4 m)(94 m)(275.9 m)(108.2 m)

Long-term Borrowings

(194.8 m)(315.7 m)(170 k)(240 k)(310 k)(70 k)(20.1 m)(20.2 m)(64 k)(15.2 m)(25 m)

Cash From Financing Activities

138.6 m122.1 m45.7 m237.7 m293.9 m176.2 m301.4 m425.6 m59 m212 m68.1 m

Interest Paid

13.4 m18.7 m5.8 m10.6 m16.3 m5.9 m10.9 m17.3 m6.4 m19.8 m

Income Taxes Paid

19.5 m37 m872 k9 m19 m3.4 m20.8 m29.2 m1 m22.2 m
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NBT Bancorp Operating Metrics

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