The Bank of N.T. Butterfield & Son (NTB) - 2021 Q4 - Earnings Call Presentation

Financial Performance - Full Year 2021 - Net income was $162.7 million[9], a 10.5% increase compared to 2020[9] - Core net income reached $163.6 million[9], a 5.9% increase compared to 2020[9] - Return on average common equity was 16.8%, and core return on average tangible common equity was 18.7%[10] - Net interest income was $299.8 million[9] - Non-interest income was $198.1 million[9], a 14.2% increase compared to 2020[9] Financial Performance - Fourth Quarter 2021 - Net income and core net income were both $41.7 million[18], a 4.7% increase compared to Q3 2021[18] - Core return on average tangible common equity was 18.8%[18] - Net interest income was $74.5 million[18] - Non-interest income was $52.7 million[18], a 4.9% increase compared to Q3 2021[18] Balance Sheet and Capital - Total assets were $15.335 billion[40] - Total deposits were $13.9 billion[44] - The bank's balance sheet remains efficient and conservative with a low risk density (risk weighted assets/total assets) of 33.3%[44]