Financial HighlightsCOMMUNITY BANK SYSTEM, INC. (NYSE - CBU)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,266,0866,227,0300.636,281,121(0.96)
Loans Held for Sale, before Reserves212628(66.24)83621.69
Loan Loss Reserve49,10748,1032.0949,284(1.44)
Net Loans Receivable6,217,1916,179,5550.616,231,920(0.95)
Intangible Assets804,419820,584(1.97)807,349(1.45)
Total Assets10,916,46710,966,555(0.46)10,607,29511.66
Deposits8,619,6628,771,092(1.73)8,322,37114.29
Debt, Senior and Subordinated385,402404,564(4.74)413,682(27.34)
Common Equity1,757,1281,631,4667.701,713,78310.12
Total Shareholders' Equity1,757,1281,631,4667.701,713,78310.12
Shares Outstanding (actual)51,471,37150,883,6031.1651,257,8241.67
Income Statement ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income86,85984,6242.6487,387(2.42)
Provision for Loan Losses2,4223,679(34.17)2,495(11.70)
Noninterest Income55,66557,491(3.18)54,28310.18
Noninterest Expense88,11886,3392.0687,6132.31
Net Income Before Taxes51,48152,105(1.20)51,497(0.12)
Provision for Taxes9,53511,999(20.54)10,674(42.68)
Net Income41,94640,1064.5940,82311.00
Per Share Items ($)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share34.1432.066.4733.438.42
Tangible Book Value18.5115.9416.1517.6818.68
Diluted EPS Before Extra0.800.782.560.7810.26
Diluted EPS After Extra0.800.782.560.7810.26
Dividends Declared0.38000.340011.760.38000.00
Performance Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.591.5271.536
ROAE9.8510.00(15)9.6322
Net Interest Margin3.803.7193.773
Loans / Deposits72.7070.9917075.47(278)
Efficiency Ratio59.1057.8013059.100
Balance Sheet Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.427.991439.2517
Equity/ Assets16.1014.8812216.16(6)
Asset Quality Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.240.29(5)0.25(1)
Loan Loss Reserves/ Gross Loans0.780.7710.780
Loan Loss Reserves/ NPAs187.78170.891,689182.53526
Net Charge-offs/ Avg Loans0.170.20(4)0.21(5)
Regulatory Capital Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA17.01NA18.23NA
   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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