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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 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,281,1216,256,7570.396,300,888(1.25)
Loans Held for Sale, before Reserves83461(82.00)0NM
Loan Loss Reserve49,28447,5833.5750,133(6.77)
Net Loans Receivable6,231,9206,209,6350.366,250,755(1.21)
Intangible Assets807,349825,088(2.15)811,700(2.14)
Total Assets10,607,29510,746,198(1.29)10,659,567(1.96)
Deposits8,322,3718,444,420(1.45)8,463,821(6.68)
Debt, Senior and Subordinated413,682485,896(14.86)374,49841.85
Common Equity1,713,7831,635,3154.801,668,34510.89
Total Shareholders' Equity1,713,7831,635,3154.801,668,34510.89
Shares Outstanding (actual)51,257,82450,696,0771.1151,136,6760.95
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income87,38785,9771.6486,1985.52
Provision for Loan Losses2,4955,381(53.63)2,21550.56
Noninterest Income54,28353,9380.6455,048(5.56)
Noninterest Expense87,61386,1251.7386,0657.19
Net Income Before Taxes51,49747,6158.1554,541(22.32)
Provision for Taxes10,674(24,411)NM11,435(26.62)
Net Income40,82372,026(43.32)43,106(21.18)
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share33.4332.263.6532.639.92
Tangible Book Value17.6815.9810.6516.7522.25
Diluted EPS Before Extra0.781.40(44.29)0.83(24.10)
Diluted EPS After Extra0.781.40(44.29)0.83(24.10)
Dividends Declared0.38000.340011.760.38000.00
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.532.66(113)1.61(8)
ROAE9.6317.88(825)10.28(65)
Net Interest Margin3.773.7433.716
Loans / Deposits75.4774.0913874.44103
Efficiency Ratio59.1057.8013058.00110
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.258.171088.7055
Equity/ Assets16.1615.229415.6551
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.250.27(2)0.241
Loan Loss Reserves/ Gross Loans0.780.7620.80(1)
Loan Loss Reserves/ NPAs182.53158.282,424189.98(745)
Net Charge-offs/ Avg Loans0.210.37(16)0.1111
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio18.2316.6415917.5766
   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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