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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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,227,0304,932,21326.256,256,757(1.90)
Loans Held for Sale, before Reserves628673(6.69)461144.90
Loan Loss Reserve48,10347,0962.1447,5834.37
Net Loans Receivable6,179,5554,885,79026.486,209,635(1.94)
Intangible Assets820,584618,97732.57825,088(2.18)
Total Assets10,966,5558,913,86023.0310,746,1988.20
Deposits8,771,0927,336,87719.558,444,42015.47
Debt, Senior and Subordinated404,564102,177295.94485,896(66.95)
Common Equity1,631,4661,296,03025.881,635,315(0.94)
Total Shareholders' Equity1,631,4661,296,03025.881,635,315(0.94)
Shares Outstanding (actual)50,883,60345,955,88210.7250,696,0771.48
Income Statement ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income84,62467,27425.7985,977(6.29)
Provision for Loan Losses3,6791,828101.265,381(126.52)
Noninterest Income57,49144,31629.7353,93826.35
Noninterest Expense86,33971,85920.1586,1250.99
Net Income Before Taxes52,10536,18943.9847,61537.72
Provision for Taxes11,9999,93220.81(24,411)NM
Net Income40,10626,25752.7472,026(177.27)
Per Share Items ($)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share32.0628.2013.6932.26(2.41)
Tangible Book Value15.9414.738.1715.98(1.15)
Diluted EPS Before Extra0.780.5736.841.40(177.14)
Diluted EPS After Extra0.780.5736.841.40(177.14)
Dividends Declared0.34000.32006.250.34000.00
Performance Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.521.22302.66(114)
ROAE10.008.4715317.88(788)
Net Interest Margin3.713.6563.74(3)
Loans / Deposits70.9967.2237774.09(310)
Efficiency Ratio57.8060.90(310)57.800
Balance Sheet Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.998.16(17)8.17(17)
Equity/ Assets14.8814.543415.22(34)
Asset Quality Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.290.2810.272
Loan Loss Reserves/ Gross Loans0.770.95(18)0.761
Loan Loss Reserves/ NPAs170.89182.88(1,199)158.281,261
Net Charge-offs/ Avg Loans0.200.1640.37(17)
Regulatory Capital Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA17.79NA16.64NA
   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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