NBT Bancorp Inc. - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for NBT Bancorp Inc.. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

NBT Bancorp Inc.. The Group's principal activity is to provide commercial banking and financial services. It accepts deposits and invests them primarily in loans, leases and marketable securities. Its products and services include checking, savings, money market deposit accounts, consumer and home equity loans, agricultural lending, residential mortgage, trust and investment services. The services are provided to individuals, corporations and municipalities located in its market areas. The Group's market area consists of the central and northern New York and north-eastern Pennsylvania region. As of 31-Dec-2008, it operates 84 divisional offices and 114 ATMs in central and upstate New York. As of 01-Sept-2008, the Group acquired Mang Insurance Agency LLC.

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