NBT Bancorp Q4 EPS $0.84, full year $3.52; dividend increases 7.1% to $0.30; Salisbury merger expected Q2 2023

NBT BANCORP INC

2022-FY EPS reported $3.52 revenue$150,665,000

Q4 net income $36.1M ($0.84/diluted); FY net income $152.0M ($3.52/diluted), down from $154.9M ($3.54) in 2021.
Net interest income Q4 $99.8M, up 17.1% YoY; NIM 3.68% (FTE); period-end loans $8.15B, up 10.2% ex-PPP.
Provision for loan losses Q4 $7.7M vs $3.1M year ago; full year provision $17.1M vs benefit $8.3M in 2021.
Board declared $0.30/share quarterly dividend, a 7.1% increase; 10th consecutive year of annual dividend increases.
Merger with Salisbury Bancorp (all-stock); target assets $1.51B, deposits $1.33B; expected close Q2 2023 pending approvals.

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