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Financial HighlightsCOMMUNITY BANK SYSTEM, INC. (NYSE - CBU) 
 2019 FQ1 YTD2018 FY2017 FY2016 FY2015 FY
Period Ended3/31/201912/31/201812/31/201712/31/201612/31/2015
Balance Sheet ($000)   
Total Assets10,916,46710,607,29510,746,1988,666,4378,552,669
Total Net Loans6,217,1916,231,9206,209,6354,903,7454,756,906
Total Deposits8,619,6628,322,3718,444,4207,075,9546,873,474
Equity Attributable to Parent Company1,757,1281,713,7831,635,3151,198,1001,140,647
Total Equity1,757,1281,713,7831,635,3151,198,1001,140,647
Profitability (%)   
Net Income ($000) 41,946168,641150,717103,81291,230
Net Income Attributable to Parent ($000) 41,946168,641150,717103,81291,230
ROAA1.571.581.491.201.17
Core ROAA1.711.711.391.251.26
ROAE9.7210.2010.218.578.87
ROATCE19.6021.7721.6614.6714.78
Core ROAE10.5711.009.538.909.55
Net Interest Margin3.753.733.693.713.73
Reported: Net Interest Margin3.803.733.693.713.73
Efficiency Ratio58.5257.2557.6759.2157.89
Noninterest Inc / Operating Rev39.0639.3039.0736.0933.17
Balance Sheet Ratios (%)   
Loans / Deposits72.7075.4774.0969.9369.85
Securities / Assets27.1728.1128.6732.1333.30
Total Equity / Total Assets16.1016.1615.2213.8213.34
Tangible Equity / Tangible Assets9.429.258.178.768.14
Tang Common Equity / Tang Assets9.429.258.178.768.14
Asset Quality (%)   
NPAs / Assets0.240.250.280.300.33
NPA Excl Restructured / Assets0.210.220.250.260.28
NPAs & 90+ PD / Assets0.270.280.300.340.35
NPAs / Loans & REO0.420.430.480.530.58
Nonaccrual & 90+ & OREO / Assets0.240.250.270.300.30
NPAs & 90+ PD / Loans & REO0.470.470.520.590.63
NPA & Loans 90+ / Tangible Common Equity + LLR2.913.083.823.844.31
NCOs / Avg Loans0.170.150.180.130.15
Loan Loss Reserves / Gross Loans0.780.780.760.950.95
Reserves / NPAs187.78182.53158.28179.71161.75
Loan Loss Provision / NCO93.19118.62103.29129.34100.94
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA998,111876,685759,199689,528
Tier 1 Capital ($000) NA1,093,166995,860858,347788,717
Tier 2 Capital ($000) NA49,76148,05047,64945,822
Total Capital ($000) NA1,142,9271,043,910905,996834,539
Total Risk-weighted Assets ($000) NA5,995,7795,983,1364,743,0584,614,765
Tier 1 Common Capital (CET1) Ratio (%) NA16.6514.6516.0114.94
Tier 1 Ratio (%) NA18.2316.6418.1017.09
Total Capital Ratio (%) NA19.0617.4519.1018.08
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.2711.0810.0010.5510.20
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 51,471,37151,257,82450,696,07744,437,41543,774,860
Avg Diluted Shares (actual) 52,061,00051,748,00049,470,00044,485,00041,401,000
Basic Book Value per Share34.1433.4332.2626.9626.06
Book Value per Share, As Reported34.1433.4332.2626.9626.06
Basic Tangible Book Value per Share18.5117.6815.9816.1415.00
Tangible Book Value per Share, As Reported19.4018.5916.9417.1215.90
Common Dividends Declared per Share0.381.441.321.261.22
EPS after Extra0.803.243.032.322.19
EPS after Extra Growth (%) 2.606.9030.605.90(1.4)
Core EPS0.873.502.832.412.36
Core EPS Growth (%) 1.9023.7017.202.301.30
Diluted EPS before Amortization0.883.593.372.442.28
Pre-Provision Earnings per Share0.823.382.572.372.27
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