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

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Balance Sheet ($000)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,284,0706,238,0090.746,266,0861.15
Loans Held for Sale, before Reserves01,281NM212NM
Loan Loss Reserve49,31049,618(0.62)49,1071.65
Net Loans Receivable6,234,7606,189,6720.736,217,1911.13
Intangible Assets800,515816,127(1.91)804,419(1.94)
Total Assets10,745,38810,633,0941.0610,916,467(6.27)
Deposits8,488,2058,513,993(0.30)8,619,662(6.10)
Debt, Senior and Subordinated280,597306,611(8.48)385,402(108.77)
Common Equity1,809,5101,656,9599.211,757,12811.92
Total Shareholders' Equity1,809,5101,656,9599.211,757,12811.92
Shares Outstanding (actual)51,570,60851,085,8740.9551,471,3710.77
Income Statement ($000)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income88,30086,8461.6786,8596.64
Provision for Loan Losses1,4002,448(42.81)2,422(168.79)
Noninterest Income55,83756,580(1.31)55,6651.24
Noninterest Expense89,98286,0414.5888,1188.46
Net Income Before Taxes56,43054,8452.8951,48138.45
Provision for Taxes11,41510,23911.499,53578.87
Net Income45,01544,6060.9241,94629.27
Per Share Items ($)
2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share35.0932.438.1834.1411.13
Tangible Book Value19.5716.4618.8718.5122.82
Diluted EPS Before Extra0.860.860.000.8030.00
Diluted EPS After Extra0.860.860.000.8030.00
Dividends Declared0.38000.340011.760.38000.00
Performance Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.681.6621.599
ROAE10.1810.91(73)9.8533
Net Interest Margin3.803.7373.800
Loans / Deposits74.0373.277772.70134
Efficiency Ratio59.8057.2026059.1070
Balance Sheet Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.158.571589.4272
Equity/ Assets16.8415.5812616.1074
Asset Quality Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.240.29(5)0.240
Loan Loss Reserves/ Gross Loans0.780.80(1)0.780
Loan Loss Reserves/ NPAs186.86181.72514187.78(92)
Net Charge-offs/ Avg Loans0.080.0620.17(9)
Regulatory Capital Ratios (%)
2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio19.0217.4615618.6636
   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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