NORWICH, N.Y. (AP) _ NBT Bancorp Inc. (NBTB) on Wednesday reported fourth-quarter net income of $37.3 million.

The bank, based in Norwich, New York, said it had earnings of 86 cents per share. Earnings, adjusted for amortization costs, came to 87 cents per share.

The results exceeded Wall Street expectations. The average estimate of three analysts surveyed by Zacks Investment Research was for earnings of 84 cents per share.

The financial holding company posted revenue of $130.4 million in the period. Its revenue net of interest expense was $126.3 million, also surpassing Street forecasts. Three analysts surveyed by Zacks expected $121.2 million.

For the year, the company reported profit of $154.9 million, or $3.54 per share. Revenue was reported as $478.9 million.

This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on NBTB at https://www.zacks.com/ap/NBTB

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