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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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,300,8886,308,720(0.12)6,238,0094.03
Loans Held for Sale, before Reserves01,268NM1,281NM
Loan Loss Reserve50,13347,9834.4849,6184.15
Net Loans Receivable6,250,7556,262,005(0.18)6,189,6723.95
Intangible Assets811,700824,355(1.54)816,127(2.17)
Total Assets10,659,56710,850,218(1.76)10,633,0941.00
Deposits8,463,8218,605,990(1.65)8,513,993(2.36)
Debt, Senior and Subordinated374,498437,097(14.32)306,61188.56
Common Equity1,668,3451,593,2454.711,656,9592.75
Total Shareholders' Equity1,668,3451,593,2454.711,656,9592.75
Shares Outstanding (actual)51,136,67650,587,1281.0951,085,8740.40
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income86,19884,3952.1486,846(2.98)
Provision for Loan Losses2,2152,314(4.28)2,448(38.07)
Noninterest Income55,04852,9413.9856,580(10.83)
Noninterest Expense86,06583,1963.4586,0410.11
Net Income Before Taxes54,54151,2466.4354,845(2.22)
Provision for Taxes11,43516,003(28.54)10,23946.72
Net Income43,10635,24322.3144,606(13.45)
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share32.6331.503.5932.432.35
Tangible Book Value16.7515.2010.2216.467.12
Diluted EPS Before Extra0.830.6822.060.86(13.95)
Diluted EPS After Extra0.830.6822.060.86(13.95)
Dividends Declared0.38000.340011.760.340047.06
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.611.29321.66(5)
ROAE10.288.8114710.91(63)
Net Interest Margin3.713.6473.73(2)
Loans / Deposits74.4473.3111473.27118
Efficiency Ratio58.0056.8012057.2080
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.707.671038.5713
Equity/ Assets15.6514.689715.587
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.240.2310.29(5)
Loan Loss Reserves/ Gross Loans0.800.7640.800
Loan Loss Reserves/ NPAs189.98178.951,103181.72826
Net Charge-offs/ Avg Loans0.110.1100.065
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA15.83NA17.46NA
   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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