COMMUNITY FINANCIAL SYSTEM, INC.

CBU · XNYS

CIK 723188fmd_0SB05082YDR4Y4TQZDDJ9TKKJKFinance, Insurance and Real Estate · National Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	285	329	363	386	389	387	444	541	644	699
Total revenues	430	518	569	590	597	621	679	652	746	818
Net interest income	274	316	345	359	368	374	421	437	449	507
Provision for credit losses	8	11	11	8	14	(9)	15	11	23	21
Net interest income after provision	266	305	334	351	354	383	406	426	426	485
Non-interest income	156	202	224	231	228	246	259	215	297	311
Compensation and benefits	156	187	207	220	228	242	257	282	301	314
Total operating expenses	267	–	–	–	–	–	–	–	–	–
Non-interest expense	267	347	345	372	377	388	424	473	487	521
Interest expense	11	14	18	27	21	13	23	104	194	193
Income before taxes	155	160	213	209	206	241	240	168	237	275
Income tax expense	51	9	44	40	41	52	52	36	54	65
Net income from continuing operations	104	151	169	169	165	190	188	132	182	210
Net income	104	151	169	169	165	190	188	132	182	210
Net income to common shareholders	103	150	168	169	164	189	188	131	182	210