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Balance Sheet
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Income Overview
Net Income
$61,334K
EPS
$1.16
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
157,530
154,378
148,151*
152,509
Interest and dividends on taxable investments
23,932
22,887
23,122*
22,027
Interest and dividends on nontaxable investments
2,890
2,722
2,761*
2,747
Total interest income
184,352
179,987
174,034*
177,283
Interest on deposits
39,382
39,373
40,165*
40,720
Interest on borrowings
5,826
5,902
6,689*
8,398
Total interest expense
45,208
45,275
46,853*
49,118
Net interest income
139,144
134,712
127,181*
128,165
Provision for credit losses
4,607
5,636
6,829*
5,564
Net interest income after provision for credit losses
134,537
129,076
120,352*
122,601
Deposit service fees
15,493
15,917
14,808*
15,190
Mortgage banking
1,191
1,100
-5*
1,180
Other banking services
4,605
4,794
6,977*
4,790
Employee benefit services
34,877
34,572
35,891*
34,408
Insurance services
13,195
12,586
13,123*
14,137
Wealth management services
10,403
10,332
10,622*
8,946
Loss on sales of investment securities
-
-
0*
0
Gain on debt extinguishment
-
-
0*
-
Unrealized (loss) gain on equity securities
-
-401
23*
236
Net (loss) gain recognized on equity securities
4,710
-
-
-
Loss from equity method investments
-463
-326
-71*
-
Total noninterest revenues
84,011
78,574
81,365*
78,887
Salaries and employee benefits
82,431
80,322
80,585*
76,532
Data processing and communications
19,686
17,871
16,434*
19,119
Occupancy and equipment
13,885
14,882
13,892*
11,419
Business development and marketing
2,556
2,535
2,256*
4,585
Legal and professional fees
4,314
5,070
4,643*
4,469
Amortization of intangible assets
4,408
4,246
3,906*
3,258
Other expenses
10,453
8,110
13,417*
8,937
Total noninterest expenses
137,733
133,036
135,131*
128,319
Income before income taxes
80,815
74,614
66,586*
73,169
Income taxes
19,481
17,396
15,759*
18,081
Net income
61,334
57,218
50,827
55,088
Basic EPS
1.16
1.08
0.966
1.04
Diluted EPS
1.16
1.08
0.963
1.04
Basic Average Shares
52,613,000
52,655,000
52,626,000
52,689,000
Diluted Average Shares
52,783,000
52,785,000
52,790,000
52,804,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$157,530K
(7.50%↑ Y/Y)
Interest and dividends on
taxable investments
$23,932K
(1.49%↑ Y/Y)
Interest and dividends on
nontaxable investments
$2,890K
(4.60%↑ Y/Y)
Total interest income
$184,352K
(6.64%↑ Y/Y)
Net interest income
$139,144K
(11.54%↑ Y/Y)
Employee benefit
services
$34,877K
(7.71%↑ Y/Y)
Deposit service fees
$15,493K
(6.71%↑ Y/Y)
Insurance services
$13,195K
(-1.44%↓ Y/Y)
Wealth management
services
$10,403K
(19.81%↑ Y/Y)
Net (loss) gain
recognized on equity...
$4,710K
Other banking
services
$4,605K
(0.83%↑ Y/Y)
Mortgage banking
$1,191K
(22.53%↑ Y/Y)
Total interest
expense
$45,208K
(-6.07%↓ Y/Y)
Net interest income
after provision for...
$134,537K
(11.53%↑ Y/Y)
Total noninterest
revenues
$84,011K
(12.75%↑ Y/Y)
Provision for credit
losses
$4,607K
(11.90%↑ Y/Y)
Loss from equity
method investments
-$463K
Interest on deposits
$39,382K
(-3.09%↓ Y/Y)
Interest on borrowings
$5,826K
(-22.25%↓ Y/Y)
Income before income
taxes
$80,815K
(22.38%↑ Y/Y)
Total noninterest
expenses
$137,733K
(6.69%↑ Y/Y)
Net income
$61,334K
(19.49%↑ Y/Y)
Income taxes
$19,481K
(32.47%↑ Y/Y)
Salaries and employee
benefits
$82,431K
(4.32%↑ Y/Y)
Data processing and
communications
$19,686K
(17.89%↑ Y/Y)
Occupancy and equipment
$13,885K
(20.89%↑ Y/Y)
Other expenses
$10,453K
(2.90%↑ Y/Y)
Amortization of intangible
assets
$4,408K
(30.84%↑ Y/Y)
Legal and
professional fees
$4,314K
(-1.24%↓ Y/Y)
Business development and
marketing
$2,556K
(-36.12%↓ Y/Y)
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COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)