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

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Balance Sheet ($000)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves6,281,1216,256,7570.394,948,56226.44
Loans Held for Sale, before Reserves83461(82.00)2,416(80.92)
Loan Loss Reserve49,28447,5833.5747,2330.74
Net Loans Receivable6,231,9206,209,6350.364,903,74526.63
Intangible Assets807,349825,088(2.15)480,84471.59
Total Assets10,607,29510,746,198(1.29)8,666,43724.00
Deposits8,322,3718,444,420(1.45)7,075,95419.34
Debt, Senior and Subordinated413,682485,896(14.86)248,37095.63
Common Equity1,713,7831,635,3154.801,198,10036.49
Total Shareholders' Equity1,713,7831,635,3154.801,198,10036.49
Shares Outstanding (actual)51,257,82450,696,0771.1144,437,41514.08
Income Statement ($000)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income345,055315,6759.31273,89615.25
Provision for Loan Losses10,83710,984(1.34)8,07636.01
Noninterest Income223,402202,42110.37154,67530.87
Noninterest Expense346,058321,1637.75265,14221.13
Net Income Before Taxes212,988159,96533.15154,5973.47
Provision for Taxes44,3479,248379.5350,785(81.79)
Net Income168,641150,71711.89103,81245.18
Per Share Items ($)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share33.4332.263.6526.9619.64
Tangible Book Value17.6815.9810.6516.14(0.98)
Diluted EPS Before Extra3.243.036.932.3230.60
Diluted EPS After Extra3.243.036.932.3230.60
Dividends Declared1.44001.32009.091.26004.76
Performance Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA1.581.4991.2029
ROAE10.2010.21(1)8.57164
Net Interest Margin3.733.6943.71(2)
Loans / Deposits75.4774.0913869.93416
Efficiency Ratio58.0058.30(30)59.20(90)
Balance Sheet Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets9.258.171088.76(60)
Equity/ Assets16.1615.229413.82139
Asset Quality Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ Assets0.250.27(2)0.30(3)
Loan Loss Reserves/ Gross Loans0.780.7620.95(19)
Loan Loss Reserves/ NPAs182.53158.282,424179.71(2,143)
Net Charge-offs/ Avg Loans0.150.18(4)0.135
Regulatory Capital Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital Ratio18.2316.6415918.10(146)

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