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Company Description (as filed with the SEC)
NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The Company, on a consolidated basis, at December 31, 2013 had assets of $7.7 billion and stockholders’ equity of $816.6 million. Return on average assets and return on average equity were 0.85% and 8.09%, respectively, for the year ending December 31, 2013. The Company had net income of $61.7 million or $1.46 per diluted share for 2013 and the fully taxable equivalent (“FTE”) net interest margin was 3.66% for the same year. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), Hathaway Agency, Inc. ... More ...