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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K/A-1
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This Amendment No.1 to NBT BANCORP INC. Form 10-K filed with the Commission
March 25, 1996 corrects certain amounts in the Financial Data Schedule,
Exhibit 27.
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(Mark One)
X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 (FEE REQUIRED)
For the fiscal year ended December 31, 1995.
OR
___ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)
For the transition period from _______ to _______ .
Commission file number 0-14703
NBT BANCORP INC.
(Exact name of registrant as specified in its charter)
Delaware 16-1268674
(State of Incorporation)(I.R.S.Employer Identification No.)
52 South Broad Street
Norwich, New York 13815
(Address of principal executive offices)(Zip Code)
Registrant's Telephone Number, Including Area Code: 607-337-6000
Securities Registered Pursuant to Section 12(b) of the Act: None
Securities Registered Pursuant to Section 12(g) of the Act:
Common Stock, No Par, $1.00 Stated Value
Preferred Stock, No Par, $1.00 Stated Value
(Title of Class)
Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K is not contained herein, and will not be
contained, to the best of the Registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III
of this FORM 10-K or any amendment to this FORM 10-K. _X_.
There are no delinquent filers to the Registrant's knowledge.
Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter periods
that the Registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.
Yes _X_ No ___
As of February 29, 1996, there were 8,442,314 shares outstanding,
including 178,447 shares held in the treasury, of the Registrant's
common stock, No Par, Stated Value $1.00; of which 8,014,474 common
shares having a market value of $128,231,584 were held by nonaffiliates
of the Registrant. There were no shares of the Registrant's preferred
stock, No Par, Stated Value $1.00, outstanding at that date.
Documents Incorporated by Reference:
- Portions of the NBT BANCORP INC. 1995 Annual Report are
incorporated by reference into Parts I and II of this FORM 10-K
as detailed therein.
- Portions of the Proxy Statement of NBT BANCORP INC. dated March
18, 1996 for the Annual Meeting of Stockholders to be held on
April 20, 1996 are incorporated by reference into Part III of
this FORM 10-K as detailed therein.
-1-
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This Amendment No.1 to NBT BANCORP INC. Form 10-K filed with the Commission
on March 25, 1996 corrects the amounts for the following items appearing in
the Finanical Data Schedule, Exhibit 27.
<INTEREST-LOANS>, [INTEREST-INVEST], [INTEREST-OTHER] and [CASH] for the
periods year ended December 31, 1994, three months ended March 31, 1995, six
months ended June 30, 1995, nine months ended September 30, 1995 and year
ended December 31, 1995.
[INTEREST-EXPENSE], [YIELD-ACTUAL] and [INVESTMENTS-HELD-FOR-SALE] for the
year ended December 31, 1994, three months ended March 31, 1995, six months
ended June 30, 1995 and nine months ended September 30, 1995.
[EPS-PRIMARY] and [EPS-DILUTED] for the year ended December 31, 1994, three
months ended March 31, 1995, six months ended June 30, 1995 and nine months
ended September 30, 1995
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this amendment report
on FORM 10-K/A-1 to be signed on its behalf by the undersigned, thereunto
duly authorized, this third day of July, 1996.
NBT BANCORP INC.
(Registrant)
By:
/s/ Joe C. Minor
----------------
Joe C. Minor, Vice President
Chief Financial Officer
and Treasurer
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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS AMENDED SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
NBT BANCORP INC.'S FINANCIAL STATEMENTS FILED WITH THE COMMISSION AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
<S> <C> <C> <C> <C> <C>
<PERIOD-TYPE> YEAR 3-MOS 6-MOS 9-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1994 DEC-31-1995 DEC-31-1995 DEC-31-1995 DEC-31-1995
<PERIOD-END> DEC-31-1994 MAR-31-1995 JUN-30-1995 SEP-30-1995 DEC-31-1995
<CASH> 42,787 61,453 45,024 37,877 43,760
<INT-BEARING-DEPOSITS> 623 595 507 677 619
<FED-FUNDS-SOLD> 0 0 0 0 0
<TRADING-ASSETS> 0 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 108,477 102,278 130,621 126,557 393,536
<INVESTMENTS-CARRYING> 272,466 268,974 259,825 269,889 40,331
<INVESTMENTS-MARKET> 261,913 264,184 260,993 271,161 40,306
<LOANS> 574,718 563,333 572,258 586,414 588,385
<ALLOWANCE> 9,026 9,038 9,280 9,354 9,120
<TOTAL-ASSETS> 1,044,557 1,036,400 1,044,722 1,058,552 1,106,266
<DEPOSITS> 791,443 879,021 830,246 864,304 873,032
<SHORT-TERM> 140,587 43,179 103,225 82,442 115,945
<LIABILITIES-OTHER> 5,486 5,036 5,669 5,751 6,233
<LONG-TERM> 8,734 8,734 3,730 3,014 3,012
0 0 0 0 0
0 0 0 0 0
<COMMON> 8,050 8,050 8,050 8,050 8,442
<OTHER-SE> 90,257 92,380 93,802 94,991 99,602
<TOTAL-LIABILITIES-AND-EQUITY> 1,044,557 1,036,400 1,044,722 1,058,552 1,106,266
<INTEREST-LOAN> 49,486 12,367 25,766 39,682 53,602
<INTEREST-INVEST> 20,842 5,544 11,229 17,274 23,652
<INTEREST-OTHER> 110 31 90 112 146
<INTEREST-TOTAL> 70,438 17,942 37,085 57,068 77,400
<INTEREST-DEPOSIT> 21,483 6,611 13,828 21,342 29,683
<INTEREST-EXPENSE> 25,742 7,981 16,547 25,489 34,840
<INTEREST-INCOME-NET> 44,696 9,961 20,538 31,579 42,560
<LOAN-LOSSES> 3,071 330 838 1,178 1,553
<SECURITIES-GAINS> 555 0 11 93 145
<EXPENSE-OTHER> 38,674 8,413 16,648 24,763 33,024
<INCOME-PRETAX> 9,990 2,985 6,573 10,945 15,085
<INCOME-PRE-EXTRAORDINARY> 6,508 1,907 4,128 6,765 9,329
<EXTRAORDINARY> 0 0 0 0 0
<CHANGES> 0 0 0 0 0
<NET-INCOME> 6,508 1,907 4,128 6,765 9,329
<EPS-PRIMARY> 0.76 0.22 0.48 0.80 1.11
<EPS-DILUTED> 0.76 0.22 0.48 0.80 1.11
<YIELD-ACTUAL> 4.81 4.30 4.40 4.45 4.43
<LOANS-NON> 4,639 4,495 4,402 4,142 4,817
<LOANS-PAST> 871 839 1,170 1,619 1,332
<LOANS-TROUBLED> 0 0 0 145 142
<LOANS-PROBLEM> 26,329 26,823 24,202 26,581 27,628
<ALLOWANCE-OPEN> 8,652 9,026 9,026 9,026 9,026
<CHARGE-OFFS> 3,722 524 979 1,444 2,261
<RECOVERIES> 1,025 206 395 594 802
<ALLOWANCE-CLOSE> 9,026 9,038 9,280 9,354 9,120
<ALLOWANCE-DOMESTIC> 7,894 7,625 7,166 6,953 6,710
<ALLOWANCE-FOREIGN> 0 0 0 0 0
<ALLOWANCE-UNALLOCATED> 1,132 1,413 2,114 2,401 2,410
</TABLE>
