Financial Statements — NTB
Balance Sheet
(in billions USD)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Cash & Equivalents | 1.71 | 2.00 | 1.65 | 2.10 | 2.18 | 3.29 | 2.55 |
| Net Loans & Leases | -- | -- | -- | -- | 5.24 | 5.16 | -- |
| Total Assets | 14.09 | 14.23 | 13.37 | 14.31 | 15.34 | 14.74 | 13.92 |
| Total Deposits | 12.70 | 12.75 | 11.99 | 12.99 | 13.87 | 13.25 | 12.44 |
| Long-term Debt | 0.00 | 0.10 | 0.10 | 0.17 | 0.17 | 0.17 | 0.14 |
| Total Liabilities | 12.95 | 13.21 | 12.37 | 13.44 | 14.36 | 13.76 | 12.96 |
| Retained Earnings | 0.49 | 0.42 | 0.34 | 0.23 | 0.10 | 0.03 | (0.01) |
| Total Stockholder Equity | 1.14 | 1.02 | 1.00 | 0.86 | 0.98 | 0.98 | 0.96 |
Income Statement
(in millions USD) (except per-share rows)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Interest & Dividend Income | 557.11 | 585.72 | 545.63 | 398.38 | 324.90 | 352.01 | 405.08 |
| Interest Expense | -- | -- | 178.67 | 54.80 | 25.09 | 34.41 | 59.38 |
| Net Interest Income | 364.08 | 351.20 | 366.96 | 343.58 | 299.81 | 317.60 | 345.70 |
| Provision for Credit Losses | 0.22 | 1.66 | 4.45 | 2.40 | (3.50) | 8.31 | (0.18) |
| Non-interest Expense | 368.83 | 359.09 | 352.34 | 331.60 | 333.89 | 344.59 | 356.92 |
| Pretax Income | 237.97 | 220.85 | 226.26 | 217.70 | 165.79 | 149.60 | 175.70 |
| Tax Provision | 6.02 | 4.53 | 0.77 | 3.68 | 3.12 | 2.38 | (1.37) |
| Net Income | 231.94 | 216.32 | 225.49 | 214.02 | 162.67 | 147.22 | 177.08 |
| Basic EPS | 5.61 | 4.80 | 4.62 | 4.32 | 3.28 | 2.91 | 3.33 |
| Diluted EPS | 5.47 | 4.71 | 4.58 | 4.29 | 3.26 | 2.90 | 3.30 |
Cash Flow Statement
(in billions USD)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Operating Cash Flow | 0.28 | 0.27 | 0.30 | 0.22 | 0.25 | 0.19 | 0.25 |
| Investing Cash Flow | 0.10 | (0.58) | 0.68 | 0.29 | (1.91) | (0.04) | 1.09 |
| Financing Cash Flow | (0.75) | 0.74 | (1.45) | (0.51) | 0.54 | 0.55 | (0.92) |
Dividends Per Share
(USD)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Dividends Per Share | 1.88 | 1.76 | 1.76 | 1.76 | 1.76 | 1.76 | 1.28 |
