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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)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,948,5624,801,3753.074,940,6210.64
Loans Held for Sale, before Reserves2,416932159.236331,126.70
Loan Loss Reserve47,23345,4014.0446,7893.80
Net Loans Receivable4,903,7454,756,9063.094,894,4650.76
Intangible Assets480,844484,146(0.68)482,119(1.06)
Total Assets8,666,4378,552,6691.338,727,746(2.81)
Deposits7,075,9546,873,4742.957,077,419(0.08)
Debt, Senior and Subordinated248,370403,446(38.44)236,06420.85
Common Equity1,198,1001,140,6475.041,240,582(13.70)
Total Shareholders' Equity1,198,1001,140,6475.041,240,582(13.70)
Shares Outstanding (actual)44,437,41543,774,8601.5144,357,3960.72
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income70,24664,9898.0968,46310.42
Provision for Loan Losses2,6403,327(20.65)1,790189.94
Noninterest Income38,62033,15216.4939,002(3.92)
Noninterest Expense65,23359,26110.0866,224(5.99)
Net Income Before Taxes39,62929,83032.8540,399(7.62)
Provision for Taxes13,2379,75935.6413,239(0.06)
Net Income26,39220,07131.4927,160(11.31)
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share26.9626.063.4727.97(14.39)
Tangible Book Value16.1415.007.6317.10(22.41)
Diluted EPS Before Extra0.590.4725.530.61(13.11)
Diluted EPS After Extra0.590.4725.530.61(13.11)
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.211.1831.24(3)
ROAE8.597.411188.71(12)
Net Interest Margin3.763.7063.679
Loans / Deposits69.9369.85869.8113
Efficiency Ratio57.6057.60059.00(140)
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.768.14639.20(44)
Equity/ Assets13.8213.344914.21(39)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.300.3000.291
Loan Loss Reserves/ Gross Loans0.950.9510.951
Loan Loss Reserves/ NPAs179.71161.751,796174.14557
Net Charge-offs/ Avg Loans0.180.32(14)0.125
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio18.1017.0910117.8228
   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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