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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)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,932,2134,821,1722.304,948,562(1.32)
Loans Held for Sale, before Reserves67333998.532,416(288.58)
Loan Loss Reserve47,09645,5963.2947,233(1.16)
Net Loans Receivable4,885,7904,775,9152.304,903,745(1.46)
Intangible Assets618,977484,88127.66480,844114.91
Total Assets8,913,8608,615,9013.468,666,43711.42
Deposits7,336,8777,119,0623.067,075,95414.75
Debt, Senior and Subordinated102,177135,852(24.79)248,370(235.44)
Common Equity1,296,0301,200,6657.941,198,10032.70
Total Shareholders' Equity1,296,0301,200,6657.941,198,10032.70
Shares Outstanding (actual)45,955,88244,069,7794.2844,437,41513.67
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income67,27466,8810.5970,246(16.92)
Provision for Loan Losses1,8281,34136.322,640(123.03)
Noninterest Income44,31638,28115.7738,62059.00
Noninterest Expense71,85967,5926.3165,23340.63
Net Income Before Taxes36,18936,1520.1039,629(34.72)
Provision for Taxes9,93211,749(15.47)13,237(99.87)
Net Income26,25724,4037.6026,392(2.05)
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share28.2027.243.5126.9618.40
Tangible Book Value14.7316.24(9.29)16.14(34.90)
Diluted EPS Before Extra0.570.553.640.59(13.56)
Diluted EPS After Extra0.570.553.640.59(13.56)
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.221.1481.211
ROAE8.478.34138.59(12)
Net Interest Margin3.653.67(2)3.76(11)
Loans / Deposits67.2267.72(50)69.93(271)
Efficiency Ratio60.7061.40(70)57.50320
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.168.80(64)8.76(60)
Equity/ Assets14.5413.946013.8271
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.280.33(5)0.30(2)
Loan Loss Reserves/ Gross Loans0.950.9510.950
Loan Loss Reserves/ NPAs182.88153.342,954179.71317
Net Charge-offs/ Avg Loans0.160.1060.18(2)
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.7917.344518.10(31)
   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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