NBT BANCORP INC NBTB Cash Flow

Nbt bancorp inc (NBTB)

CashFlow / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10	Mar'10
Operating activities
Net income
102,262	121,021	120,713	118,141	115,707	112,566	101,551	94,620	87,858	82,151	84,122	81,247	79,797	78,409	77,928	77,778	77,150	76,425	75,811	66,872	75,231	75,074	74,486	82,831	72,107	61,747	56,938	52,216	48,557	54,558	55,164	55,846	57,244	57,901	58,613	57,966	57,735	57,404	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses
49,245	25,412	25,936	25,638	27,139	28,828	30,453	32,316	31,105	30,988	31,000	29,499	26,712	25,431	23,045	21,623	20,741	18,285	19,398	19,317	19,585	19,539	17,813	18,126	20,362	22,424	24,198	23,755	21,456	20,269	18,905	19,325	21,243	20,737	21,848	24,202	24,531	29,809	0	0	0
Depreciation and amortization of premises and equipment
9,618	9,497	9,429	9,368	9,310	9,280	9,254	9,212	9,134	9,056	9,017	9,000	9,028	9,023	8,917	8,880	8,738	8,646	8,646	8,496	8,430	8,324	8,235	8,225	8,203	7,948	7,525	7,084	6,578	6,276	6,076	5,831	5,628	5,463	5,359	5,316	5,327	5,327	0	0	0
Net amortization on securities
-3,300	-3,375	-3,394	-3,493	-3,723	-4,007	-4,266	-4,489	-4,600	-4,786	-5,125	-5,892	-5,746	-5,278	-4,484	-3,213	-2,822	-2,554	-2,375	-2,490	-2,826	-3,216	-3,668	-4,130	-4,888	-5,058	-4,724	-4,022	-2,855	-2,408	-2,424	-2,282	-2,495	-1,597	-3,297	-2,368	-1,366	-1,468	0	0	0
Amortization of intangible assets
3,466	3,600	3,671	3,851	4,054	4,000	4,065	4,004	3,947	4,000	3,951	3,910	3,799	3,928	4,204	4,417	4,676	4,864	4,862	4,972	5,021	5,047	5,145	5,216	5,331	4,872	4,412	3,936	3,426	3,394	3,290	3,202	3,132	3,046	3,030	3,015	3,024	3,072	0	0	0
Amount of amortization expense attributable to right-of-use asset from operating lease.
7,269	7,239	5,396	3,590	1,799	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Excess tax benefit on stock-based compensation
338	409	407	407	396	543	579	690	704	1,769	2,752	2,581	2,527	1,055	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock-based compensation expense
4,308	4,210	4,075	4,122	4,059	3,936	3,906	3,960	3,932	3,644	4,477	4,730	4,932	4,378	3,785	3,696	3,710	4,086	4,101	4,115	4,255	3,521	3,551	3,661	3,595	4,305	4,377	4,293	4,321	4,364	4,366	4,318	4,106	3,244	3,660	3,521	4,413	3,782	0	0	0
Bank owned life insurance income
5,352	5,355	5,358	5,090	5,121	5,091	5,114	5,110	5,111	5,175	5,210	5,262	5,315	5,195	4,814	4,409	4,066	4,334	12,222	10,196	8,290	5,349	2,986	3,168	1,562	3,793	-7,953	-6,401	-3,199	-3,077	2,944	2,979	3,021	3,085	3,241	3,222	3,370	3,316	0	0	0
Trading security purchases
-	-	-	-	-	-	-	-	-	1,586	1,723	1,310	996	287	77	431	886	810	775	790	1,075	1,626	1,681	1,621	1,384	1,085	1,070	1,045	1,001	753	748	751	1,151	447	740	653	56	184	0	0	0
Net unrealized losses on trading securities
-	-	-	-	-	-	-	-	-	623	307	505	143	594	875	-308	-246	-226	-497	323	236	388	656	642	808	776	364	406	25	103	138	-386	88	-193	-45	298	214	214	0	0	0
Deferred income tax benefit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,851	1,265	1,387	-10	-8,210	-7,269	-8,308	-9,478	-4,339	-11,020	-14,243	-14,955	0	0	0
Proceeds from sale of loans held for sale
201,543	175,829	138,969	118,074	103,802	102,547	97,428	100,206	110,365	111,284	112,528	112,655	99,401	96,603	92,670	92,353	87,485	72,498	54,024	29,871	13,722	7,050	16,135	34,204	56,364	71,342	86,469	75,446	66,551	65,160	48,210	39,842	25,528	13,545	16,585	45,224	63,397	83,143	0	0	0
Originations of loans held for sale
201,631	181,261	150,864	132,389	110,468	108,070	100,919	98,286	107,772	111,206	110,545	111,557	102,181	96,692	93,945	90,924	84,513	69,677	52,468	32,565	16,094	10,215	7,662	29,980	50,623	66,512	84,711	72,303	68,320	66,252	58,985	47,474	29,909	14,167	151,670	120,372	101,243	80,469	0	0	0
Net gain on sale of loans held for sale
940	786	580	455	317	286	238	213	360	349	332	495	496	499	590	363	224	239	122	117	78	17	123	474	811	1,288	2,285	2,392	2,508	2,469	1,679	1,223	770	329	1,585	1,389	1,174	911	0	0	0
Net security losses (gains)
3,344	4,213	-2,892	-6,516	-6,356	-6,341	2,444	2,028	1,939	1,867	-676	-672	-673	-644	3,074	3,077	3,102	3,087	76	111	99	92	72	363	288	1,426	1,434	1,131	1,289	599	631	617	633	151	4,583	3,451	3,275	3,274	0	0	0
Net losses (gains) on sale of other real estate owned
-395	-227	538	195	213	230	-98	-293	552	221	251	863	224	687	721	786	1,643	1,337	1,349	1,326	357	459	803	747	1,057	1,106	1,040	1,142	892	988	2,421	2,487	3,035	2,531	1,573	1,092	378	517	0	0	0
Gains on bank owned life insurance settlement
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Impairment write-down of equity security
-	-	-	-	-	-	-	-	-	1,312	-1,253	1,312	1,312	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in other assets and other liabilities
14,603	4,902	4,820	1,880	12,541	9,554	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (increase) in other assets
-	-	-	-	-	-	-	-	-	-	-	0	-1,768	-	10,059	3,151	-5,443	-15,386	-8,362	15,561	14,641	19,601	8,326	-21,270	-29,010	-22,807	-9,504	-4,849	-2,687	-6,804	-2,238	-4,824	-3,537	3,579	-14,793	-13,915	-6,084	-6,627	0	0	0
Net increase in other liabilities
-	-	-	-	-	-	-	-	-	-	-	0	-14,523	-	10,379	14,280	11,464	5,236	8,299	7,555	-3,417	5,286	-10,674	-5,307	5,273	-5,219	9,779	2,436	-1,628	-128	9,061	751	740	11,806	-2,223	4,295	9,854	2,645	0	0	0
Net cash provided by operating activities
155,177	153,463	151,950	152,419	146,935	147,773	140,118	128,170	149,226	136,904	127,259	126,418	108,976	110,565	111,317	119,185	123,819	124,500	122,093	100,767	86,048	87,811	91,812	119,783	146,145	119,298	117,376	97,660	79,200	88,854	73,978	73,807	74,258	83,765	88,408	87,957	94,610	89,437	0	0	0
Net cash used in acquisitions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	80,883	80,659	80,659	85,580	52,871	135,588	135,588	129,807	81,467	0	0	0	-	-	-	-
Securities Available For Sale [Abstract]
Proceeds from maturities, calls and principal paydowns
262,484	273,578	271,784	271,337	302,812	259,446	299,018	278,588	263,697	290,613	279,667	300,662	328,729	324,781	320,396	335,041	312,239	299,302	287,050	241,731	229,945	236,133	240,835	261,646	333,864	376,509	506,772	602,981	583,474	573,828	562,357	498,986	496,212	541,555	451,633	473,738	511,895	511,394	0	0	0
Proceeds from sales
0	26,203	127,518	127,518	127,518	101,315	0	0	0	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	27,593	27,592	26,235	2,606	1,790	4,110	4,110	4,228	2,437	98,019	102,669	102,551	103,253	0	0	0
Purchases
277,593	252,963	191,225	154,758	104,507	132,448	102,958	169,583	214,994	233,804	478,222	521,541	565,145	597,428	560,722	477,568	509,430	481,262	295,215	323,362	241,758	197,652	225,250	251,308	304,304	353,714	457,977	517,746	502,983	483,858	589,571	565,006	623,837	648,048	639,130	601,321	599,471	635,319	0	0	0
Securities Held To Maturity [Abstract]
Proceeds from maturities, calls and principal paydowns
232,577	223,733	193,518	143,705	113,495	100,738	90,921	96,208	102,087	103,759	110,272	112,336	105,216	100,893	94,509	77,702	75,051	79,212	79,305	72,871	59,401	44,756	36,661	32,426	32,580	34,413	31,660	31,673	32,040	31,506	31,848	34,553	41,016	47,186	55,071	75,360	109,575	112,399	0	0	0
Purchases
73,789	70,660	212,452	344,553	407,303	400,602	256,794	124,903	76,096	60,706	120,154	128,687	153,890	157,418	110,797	123,889	85,836	95,272	90,829	73,564	63,169	49,479	42,414	29,996	86,707	84,621	81,042	82,323	17,314	20,193	21,115	21,402	22,500	20,736	22,837	28,931	40,369	48,701	0	0	0
Equity Securities, FV-NI, Held-for-investment [Abstract]
The cash inflow associated with the sale of equity securities.
-	-	-	-	-	3,318	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
The cash outflow associated with the purchase of equity securities.
72	93	93	36	23	2	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payments for (Proceeds from) Other Investments [Abstract]
Net increase in loans
379,157	272,698	154,330	131,732	271,482	331,166	449,382	521,336	406,474	419,114	346,445	366,725	336,405	344,448	312,525	294,283	372,499	315,363	315,098	223,229	167,140	212,238	248,588	309,804	315,831	255,318	241,257	254,969	276,381	277,530	292,185	247,879	167,967	172,920	112,683	44,730	18,140	-7,292	0	0	0
Proceeds from Federal Home Loan Bank stock redemption
169,972	182,752	207,175	222,071	224,207	246,844	257,953	259,688	263,447	248,887	228,394	207,465	181,453	158,818	129,339	105,961	81,257	60,852	54,995	60,347	76,616	78,441	90,595	64,588	40,726	27,409	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of Federal Home Loan Bank stock
0	-	0	0	0	-	0	0	264,648	-	231,146	215,245	191,768	169,178	137,656	112,562	85,757	64,899	54,344	49,913	62,920	64,203	81,756	70,190	46,266	36,366	6,798	6,798	1,886	1,886	0	0	0	-	-	-	-	-8,733	0	0	0
Proceeds from settlement of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	1,477	1,478	1,501	1,530	1,541	6,286	6,242	6,959	6,064	1,319	1,319	573	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	47,250	45,000	45,000	45,000	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of premises and equipment, net
8,085	6,647	7,164	7,947	8,126	7,402	6,770	6,124	6,608	6,691	2,833	3,829	2,952	3,308	7,846	7,605	8,774	8,193	7,386	8,176	8,933	9,003	8,973	6,992	5,874	5,766	5,598	6,497	6,498	6,994	9,082	10,611	10,427	9,954	7,815	5,875	6,207	6,510	0	0	0
Proceeds from sales of other real estate owned
922	1,543	2,596	3,048	3,758	3,591	2,611	2,116	5,358	7,254	8,249	8,472	5,857	6,635	6,012	5,894	6,418	3,908	3,798	4,290	3,408	3,612	4,617	7,143	5,103	5,224	4,675	1,955	4,002	3,616	2,869	3,239	2,540	2,531	2,763	2,461	3,003	3,186	0	0	0
Net cash (used in) provided by investing activities
-234,722	-64,343	50,134	-84,496	-251,226	-417,619	-429,665	-435,073	-319,439	-305,193	-448,490	-516,092	-533,669	-629,960	-612,773	-518,638	-614,631	-504,004	-327,070	-292,574	-147,763	-143,741	-213,341	-282,320	-321,316	-183,754	-141,314	-122,708	-95,371	-126,850	-175,095	-167,931	-149,944	-175,498	-173,071	-22,876	72,086	58,494	0	0	0
Financing activities
Net increase in deposits
246,979	219,609	301,876	249,257	223,731	197,575	210,054	329,165	208,877	196,948	281,998	274,868	280,009	368,845	348,611	368,937	425,605	305,238	285,688	328,891	410,539	409,381	311,801	164,412	52,935	-7,545	83,703	75,849	106,941	135,095	114,041	147,384	109,750	87,992	62,443	13,282	81,763	41,306	0	0	0
Net (decrease) in short-term borrowings
4,022	-216,421	-368,442	-244,631	-41,130	152,573	129,756	22,811	45,768	37,419	96,924	164,761	192,375	239,222	222,695	154,432	154,696	125,679	-13,305	-22,486	-163,706	-139,240	2,403	148,867	171,007	271,497	214,265	151,804	-1,710	-18,651	-20,920	36,245	-1,484	22,158	-8,179	16,922	519	3,457	0	0	0
Proceeds from issuance of long-term debt
-	-	-	-	-	25,000	50,000	50,000	50,000	25,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	148	156	156	156	158	0	0	0	0
Repayments of long-term debt
20,112	20,111	111	109	15,127	40,145	65,161	65,180	65,199	40,218	45,231	45,228	50,234	50,240	20,371	20,399	398	498	420	121,286	315,857	315,831	315,907	195,073	119,982	163,595	163,413	163,314	47,107	3,354	3,353	3,353	2,150	2,146	61,737	111,727	134,716	184,824	0	0	0
Proceeds from the issuance of shares to employee and other stock plans
705	725	699	587	828	1,296	1,437	2,183	1,998	3,309	4,810	7,053	8,022	6,032	10,562	9,850	10,404	9,356	8,081	5,620	4,839	6,256	6,383	7,427	6,055	5,334	724	-260	121	1,395	1,488	1,309	1,703	1,386	1,110	1,154	1,769	1,675	0	0	0
Excess tax benefit from exercise of stock options
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	308	341	-78	50	-566	140	0	0	0
Cash paid by employer for tax-withholding on stock issuance
1,558	1,622	1,697	1,598	1,394	1,893	1,792	2,494	2,498	3,582	3,841	3,367	3,546	3,387	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of treasury stock
0	-	-	-	0	-	-	-	-	-	-	-	-	17,193	17,193	33,318	43,990	26,797	0	0	0	-	-	-	-	-	-	-	-	15,490	76,494	36,176	32,871	30,502	-29,548	-20,687	-1,892	477	0	0	0
Cash dividends
46,868	46,010	45,544	45,078	45,077	43,269	41,930	41,029	51,050	40,104	40,050	39,966	39,427	38,880	38,499	38,150	38,340	38,149	37,805	37,437	36,980	36,905	36,837	36,375	35,967	33,518	31,080	29,048	26,822	26,712	26,590	26,543	26,798	27,063	27,338	27,548	27,607	27,577	0	0	0
Net cash provided by (used in) financing activities
185,786	-53,232	-102,621	-30,974	121,831	291,137	282,364	295,456	187,896	178,772	314,610	382,001	411,079	528,279	504,893	436,845	503,659	373,165	215,442	142,681	18,814	43,640	87,822	202,187	61,589	59,714	91,740	29,571	15,713	72,283	49,612	130,522	53,344	52,322	-64,125	-129,352	-81,526	-166,300	0	0	0
Net increase (decrease) in cash and cash equivalents
106,241	35,888	99,463	36,949	17,540	21,291	-7,183	-11,447	17,683	10,483	-6,621	-7,673	-13,614	8,884	3,437	37,392	12,847	-6,339	10,465	-49,126	-42,901	-12,290	-33,707	39,650	-113,582	-4,742	67,802	4,523	-458	34,287	-51,505	36,398	-22,342	-39,411	-148,788	-64,271	85,170	-18,369	0	0	0
Supplemental disclosure of cash flow information
Cash paid during the period for:
Interest expense
55,109	55,908	53,398	48,615	42,343	36,691	32,118	29,155	27,201	25,887	24,968	23,944	22,953	22,466	21,925	21,206	20,981	20,908	20,925	20,610	22,361	23,387	25,686	27,859	30,136	31,307	32,728	33,952	34,368	35,344	36,312	37,260	38,380	40,135	43,033	46,345	49,869	54,668	0	0	0
Income taxes paid, net of refund
28,517	28,374	20,766	22,082	30,516	31,898	42,522	43,679	35,855	33,675	33,936	32,956	38,493	40,879	38,830	40,466	31,217	28,684	20,961	28,443	37,039	38,912	44,941	35,819	23,249	20,848	19,940	15,915	23,886	25,512	27,178	30,546	31,953	31,258	30,773	30,718	34,887	37,033	0	0	0
Cash Flow, Noncash Investing Activities Disclosure [Abstract]
Loans transferred to other real estate owned
1,479	787	931	707	818	1,273	1,750	2,011	2,815	5,981	9,727	10,137	9,857	6,863	2,957	2,698	3,183	3,293	5,894	5,748	4,932	4,330	5,096	2,500	4,247	4,746	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Acquistitions: [Abstract]
Loans transferred to OREO
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	1,385	1,165	988	1,212	0	0	0
Fair value of assets acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,505,490	1,505,017	1,504,021	1,755,939	258,467	321,425	321,816	72,996	67,020	0	0	0	-	-	-	-
Fair value of liabilities assumed
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,285,718	1,284,632	1,283,647	1,514,372	285,012	430,073	430,464	202,803	148,487	0	0	0	-	-	-	-
Fair value of debt issued in purchase combination
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	502	150	150	2,610	2,460	0	0	0	-	-	-	-
Increase in securities purchases in process
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0