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Key to changes
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Text removedfrom 2003 FY- Text added to 2004 FY
Content analysis
?Positive | |
Negative | |
Uncertain | |
Constraining | |
Legalese | |
Litigous | |
Readability |
6th grade Avg
|
Content analysis
?Positive | |
Negative | |
Uncertain | |
Constraining | |
Legalese | |
Litigous | |
Readability |
8th grade Avg
|
New words:
AA, absence, accompanyingManagement, accurately, aforementioned, agree, agreed, agri, Albany, alter, andDaryl, andDistrict, andincorporated, andNBT, anyanticipated, APBO, Arkell, arrangement, Assignable, assigned, assignment, attended, attestation, attorney, augmented, automatedteller, automatically, BankDivision, Banksince, berevoked, binding, Binghamton, Budget, Bulletin, byreference, case, CEO, CEOof, cessation, Chairman, challenging, Champlain, Chase, clearer, complex, conclusive, conferring, consecutive, construe, construed, contrary, COSO, courier, creation, creditor, criminal, deal, dealing, debenture, default, deferrable, deferral, delegated, delivered, delivering, detect, detection, dictate, disability, discharge, discretion, domestic, Dr, EICP, embody, erein, EVP, expert, expertise, expressed, FAS, finite, Fire, footnote, foregoing, forfeiture, forgoing, formula, Forsytheare, Foundation, freestanding, fuel, futurecash, Gifford, Hall, hardship, heading, hereinafter, hereunder, hire, hired, hypothecated, hypothecation, immaterial, implied, inadequate, inclusion, inclusive, inflationary, inInternal, instability, interfere, inversely, investor, isentitled, issuer, Joe, lack, launched, leave, leaving, liable, LLC, lost, lump, mandatorily, matrix, Medicare, Mediquest, medium, Memorial, mezzanine, Modernization, modification, Motivation, Murphy, nonpreferential, notice, null, Nursing, NY, NYCM, Officerof, ofNBTBancorp, ofsame, omission, OperatingOfficer, opportunity, orientation, outcome, Owner, PA, penalty, pertain, Pike, Political, posture, predicated, predominantly, Preliminary, prime, promise, promulgated, ProxyStatement, Rabbi, realistic, receipt, Recipient, Red, redemption, Registrar, reinstate, REIT, rendered, renewed, reputational, requisite, restoration, restoring, retiree, revocation, revoked, reward, Richer, role, Rosamond, sentence, Settlement, sinceJanuary, Solicitor, solid, spending, spirit, stable, stretch, stricter, subsidy, succeed, succeeding, suchdeferred, superior, superseded, Supplementary, suspend, suspended, team, Telephone, terrorism, terrorist, Theobligation, thereof, theRestricted, thereunder, theTrust, theyear, thought, tightening, toDecember, Towing, Treadway, Trenton, unacceptable, unallocated, unclear, unconditional, unconsolidated, underwritten, unqualified, unsecured, valid, version, vi, vii, viii, virtue, void, voluntarily, war, WHEREOF, writing, yea, yearend
Removed:
AAA, accountability, accuracy, advertising, American, appointed, approximating, attrition, auditing, bad, bringing, Canajoharie, check, closing, Commonwealth, composed, consistency, consistently, coupled, cumulative, decreasing, deductible, deterioration, direction, disposal, dramatic, enhanced, equaled, evaluate, exclusive, FNB, fractional, hedge, high, host, implementing, informed, installed, integrating, integrity, jointly, Lance, Lapsed, largest, Lawrence, legislative, licensed, linked, mark, Mattingly, merged, merging, Mohawk, move, Noncash, objectivity, omitted, organizational, OTTI, oversee, owed, payout, personnel, Pioneer, postage, qualify, recommending, Refer, regionally, reorganization, representing, resolving, retroactive, Rulemaking, safeguarding, segregation, sensitive, separated, shorter, spread, St, standardized, strategic, structured, sudden, tangible, thrift, transaction, underwriter, underwrote, unidentifiable, unidentified, upgrading, vast, volatility, weakened, worse
Valuein 2003 FY filing- Value in 2004 FY filing
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