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, 2018Q2, 2018

Cost of goods sold

5 m5.3 m5.4 m5.6 m5.8 m5.9 m7.3 m16.3 m

Sales and marketing expense

31.6 m30.6 m32.9 m33.5 m33.4 m34 m337 k1 m

Operating expense total

31.6 m30.6 m32.9 m33.5 m33.4 m34 m64.3 m129.2 m

Depreciation and amortization

914 k2 m

EBIT

58.8 m59.3 m58.5 m61 m60.3 m61.1 m64 m66 m133 m

Pre tax profit

29 m30.6 m28.6 m30.2 m30.3 m28.6 m33 m69.2 m

Income tax expense

9.8 m10.8 m9.7 m10.3 m10.3 m8.3 m11.3 m7 m15.1 m

Net Income

45.6 m56.6 m18.2 m37.4 m57.3 m18.9 m38.8 m58.8 m20.3 m22.9 m26 m54.1 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, 2018Q2, 2018

Cash

127.7 m175 m139.9 m151.8 m167.1 m137.3 m157.5 m149.7 m

Inventories

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

PP&E

87.7 m87.8 m86.4 m84.6 m84.2 m83.1 m80.1 m78.6 m

Goodwill

263.6 m263.6 m266 m266 m264.7 m265.4 m268 m268 m274.8 m

Total Assets

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

Accounts Payable

6.4 b6.6 b6.9 b6.7 b6.9 b7.2 b7.4 b7.3 b

Short-term debt

512 m362.3 m347.9 m666.4 m585 m540.2 m586 m854 m

Long-term debt

130.7 m130.6 m130.4 m110.3 m114.1 m104 m88.9 m88.8 m73.8 m

Total Debt

88.9 m674.8 m927.8 m

Total Liabilities

8.2 b8.3 b8.5 b

Additional Paid-in Capital

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

Retained Earnings

442.4 m452.7 m471.7 m482.1 m492.1 m511.9 m536.1 m555.8 m585 m

Total Equity

876 m876.2 m881.7 m896.4 m909.3 m926.8 m955.2 m952.7 m978.9 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 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, 2018Q2, 2018

Net Income

45.6 m56.6 m18.2 m37.4 m57.3 m18.9 m38.8 m58.8 m20.3 m22.9 m26 m54.1 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 m57.2 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)(336.1 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)(40.1 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 m271.8 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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