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Financial HighlightsCOMMUNITY BANK SYSTEM, INC. (NYSE - CBU) 
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves6,256,7574,948,56226.444,801,3753.07
Loans Held for Sale, before Reserves4612,416(80.92)932159.23
Loan Loss Reserve47,58347,2330.7445,4014.04
Net Loans Receivable6,209,6354,903,74526.634,756,9063.09
Intangible Assets825,088480,84471.59484,146(0.68)
Total Assets10,746,1988,666,43724.008,552,6691.33
Deposits8,444,4207,075,95419.346,873,4742.95
Debt, Senior and Subordinated485,896248,37095.63403,446(38.44)
Common Equity1,635,3151,198,10036.491,140,6475.04
Total Shareholders' Equity1,635,3151,198,10036.491,140,6475.04
Shares Outstanding (actual)50,696,07744,437,41514.0843,774,8601.51
Income Statement ($000)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income315,675273,89615.25248,42010.26
Provision for Loan Losses10,9848,07636.016,44725.27
Noninterest Income202,421154,67530.87123,30325.44
Noninterest Expense321,163265,14221.13226,01817.31
Net Income Before Taxes159,965154,5973.47132,21716.93
Provision for Taxes9,24850,785(81.79)40,98723.91
Net Income150,717103,81245.1891,23013.79
Per Share Items ($)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share32.2626.9619.6426.063.47
Tangible Book Value15.9816.14(0.98)15.007.63
Diluted EPS Before Extra3.032.3230.602.195.94
Diluted EPS After Extra3.032.3230.602.195.94
Dividends Declared1.32001.26004.761.22003.28
Performance Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA1.491.20291.173
ROAE10.218.571648.87(30)
Net Interest Margin3.693.71(2)3.73(2)
Loans / Deposits74.0969.9341669.858
Efficiency Ratio58.3059.20(90)57.90130
Balance Sheet Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets8.178.76(60)8.1463
Equity/ Assets15.2213.8213913.3449
Asset Quality Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.270.30(3)0.300
Loan Loss Reserves/ Gross Loans0.760.95(19)0.951
Loan Loss Reserves/ NPAs158.28179.71(2,143)161.751,796
Net Charge-offs/ Avg Loans0.180.1350.15(2)
Regulatory Capital Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio16.6418.10(146)17.09101

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