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

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Balance Sheet ($000)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,238,0096,361,300(1.94)6,227,0300.71
Loans Held for Sale, before Reserves1,281264,826.92628415.92
Loan Loss Reserve49,61847,4514.5748,10312.60
Net Loans Receivable6,189,6726,313,875(1.97)6,179,5550.65
Intangible Assets816,127831,403(1.84)820,584(2.17)
Total Assets10,633,09410,884,046(2.31)10,966,555(12.16)
Deposits8,513,9938,625,605(1.29)8,771,092(11.72)
Debt, Senior and Subordinated306,611495,855(38.17)404,564(96.85)
Common Equity1,656,9591,572,9005.341,631,4666.25
Total Shareholders' Equity1,656,9591,572,9005.341,631,4666.25
Shares Outstanding (actual)51,085,87450,511,9351.1450,883,6031.59
Income Statement ($000)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income86,84678,02911.3084,62410.50
Provision for Loan Losses2,4481,46167.563,679(133.84)
Noninterest Income56,58051,22610.4557,491(6.34)
Noninterest Expense86,04179,9837.5786,339(1.38)
Net Income Before Taxes54,84524,915120.1352,10521.03
Provision for Taxes10,2397,72432.5611,999(58.67)
Net Income44,60617,191159.4740,10644.88
Per Share Items ($)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share32.4331.144.1632.064.64
Tangible Book Value16.4614.6812.1215.9413.13
Diluted EPS Before Extra0.860.35145.710.7841.03
Diluted EPS After Extra0.860.35145.710.7841.03
Dividends Declared0.34000.32006.250.34000.00
Performance Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.660.69971.5214
ROAE10.914.7461710.0091
Net Interest Margin3.733.7213.712
Loans / Deposits73.2773.75(48)70.99227
Efficiency Ratio57.2058.30(110)57.80(60)
Balance Sheet Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.577.381197.9957
Equity/ Assets15.5814.4511314.8871
Asset Quality Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.290.2360.290
Loan Loss Reserves/ Gross Loans0.800.7550.772
Loan Loss Reserves/ NPAs181.72177.07465170.891,082
Net Charge-offs/ Avg Loans0.060.08(2)0.20(14)
Regulatory Capital Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio17.4615.4919717.0145
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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