CBU Stock Balance Sheets

Community Bank System Quarterly Balance Sheets Chart

Quarterly

Annual

Goodwill

Cash and Cash Eq

Community Bank System Quarterly Balance Sheets Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-03-31

assets:
cash and cash equivalents	237,248,000	518,021,000		346,110,000	201,493,000	338,381,000		455,807,000	222,779,000	189,298,000		247,391,000	197,628,000	1,020,926,000		2,322,661,000	2,205,926,000	2,151,347,000		1,836,521,000	1,319,880,000	529,336,000	205,030,000	1,014,042,000	874,836,000	0	16,000	16,000	16,000	221,038,000	1,106,340,730,051,793,000	1,106,304,073,051,793,000		161,542,000	161,634,000	138,513,000		156,836,000	143,047,000	150,533,000		157,500,000	161,903,000	153,417,000		174,205,000	148,573,000	330,298,000		287,753,000	130,902,000	132,055,000		425,877,000	273,693,000	296,938,000		179,556,000		361,734,000	474,372,000	350,670,000		103,595,000	123,233,000	160,394,000	130,823,000	224,917,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 373,758 and 362,129, respectively	2,832,370,000
held-to-maturity securities	1,430,991,000	1,393,837,000		1,319,050,000	1,271,109,000	1,217,472,000		1,125,540,000	1,104,020,000	1,090,235,000
equity and other securities	86,709,000	80,591,000		82,558,000	86,500,000	70,778,000		66,825,000	63,009,000	54,513,000		56,603,000	52,595,000	44,458,000		45,027,000	44,923,000	45,106,000		47,341,000	44,343,000	43,499,000	43,915,000	44,640,000	43,234,000

loans	10,519,117,000	10,421,141,000	100,621,775,465,225.44	10,251,674,000	10,023,857,000	9,883,500,000	92,131,684,458,674.84	9,450,066,000	9,170,769,000	8,982,335,000	80,423,103,356,454.17	8,543,607,000	8,144,696,000	7,422,253,000	73,162,783,089,764.22	7,282,582,000	7,244,147,000	7,368,327,000	72,650,893,155,584.34	7,458,643,000	7,528,039,000	6,866,092,000	6,890,543,000	6,853,191,000	6,284,070,000		0	0	0	6,256,757,000	148,868,001,488,680,000	14,892,731,489,273,000	48,819,052,120,224.34	4,940,621,000	4,904,802,000	4,821,172,000	42,880,911,895,074.42	4,313,547,000	4,263,603,000	4,163,911,000	41,568,401,867,274.49	4,217,244,000	4,147,803,000	4,096,358,000	39,545,151,891,724.78	4,025,455,000	3,935,998,000	3,861,601,000	36,280,061,938,415.34	3,812,457,000	3,561,670,000	3,460,739,000	33,552,861,939,515.78	3,476,469,000	3,478,150,000	3,000,444,000	30,750,301,792,155.83	3,080,397,000	31,048,081,855,875.98	3,087,093,000	3,091,605,000	3,103,741,000	29,347,901,873,996.39	3,004,030,000	2,922,243,000	2,837,786,000	2,821,055,000	2,682,234,000
allowance for credit losses	-81,851,000	-82,840,000		-76,167,000	-71,442,000	-70,091,000		-64,945,000	-63,284,000	-63,170,000		-60,363,000	-55,542,000	-50,147,000		-49,499,000	-51,750,000	-55,069,000		-64,962,000	-64,437,000	-55,652,000
loans, net of allowance for credit losses	10,437,266,000	10,338,301,000		10,175,507,000	9,952,415,000	9,813,409,000		9,385,121,000	9,107,485,000
goodwill	854,817,000	854,522,000		852,493,000	852,258,000	849,790,000		845,396,000	843,960,000	842,936,000		844,984,000	849,813,000	799,080,000		799,127,000	794,892,000	793,456,000		793,749,000	792,715,000	773,473,000	773,810,000	773,610,000	733,503,000	0	310,000	310,000	369,000	734,430,000	764,301,882,831,650,300,000,000	765,341,650,190,278,400,000,000		465,142,000	465,142,000	465,142,000		375,174,000	375,174,000	375,174,000		375,174,000	375,174,000	375,174,000		369,703,000	369,703,000	369,703,000		369,703,000	345,050,000	345,050,000		344,229,000	345,915,000	297,692,000		297,692,000		300,758,000	301,369,000	301,150,000		235,723,000	234,686,000	234,722,000	234,449,000	220,268,000
core deposit intangibles	3,963,000	4,499,000		5,797,000	6,451,000	7,248,000		9,087,000	10,025,000	11,108,000		13,550,000	14,817,000	8,041,000		10,165,000	11,267,000	12,507,000		15,186,000	16,565,000	15,001,000	16,418,000	17,872,000	15,738,000		0	0	0	25,025,000	23,214,023,214,000	2,321,423,214,000		7,713,000	8,379,000	9,069,000		7,894,000	8,574,000	9,284,000		10,816,000	11,666,000	12,548,000		11,772,000	12,647,000	13,554,000		15,504,000	9,941,000	10,715,000		12,383,000	13,291,000	10,197,000		11,659,000		17,603,000	18,700,000	20,519,000		15,515,000	16,926,000	18,345,000	19,765,000	23,219,000
other intangibles	39,601,000	41,311,000		42,333,000	47,071,000	47,401,000		46,851,000	47,724,000	46,870,000		50,690,000	53,261,000	55,917,000		58,812,000	36,513,000	37,082,000		41,279,000	43,481,000	44,445,000	46,695,000	49,203,000	51,274,000	1,200,000	1,343,000	1,343,000	1,099,000	65,633,000	602,002,857,285,765,800,000	1,200,602,001,657,285,900,000,000		9,264,000	9,957,000	10,670,000		1,457,000	1,767,000	1,596,000		1,976,000	2,178,000	2,397,000		2,260,000	2,465,000	2,697,000		3,191,000	3,444,000	3,715,000		3,616,000	3,809,000	3,187,000		3,335,000		4,300,000	4,567,000	4,850,000		5,804,000	2,140,000	2,044,000	2,002,000	1,111,000
goodwill and intangible assets	898,381,000	900,332,000		900,623,000	905,780,000	904,439,000		901,334,000	901,709,000	900,914,000		909,224,000	917,891,000
premises and equipment	201,101,000	189,762,000		178,429,000	178,095,000	170,974,000		174,749,000	158,353,000	158,562,000		161,966,000	169,015,000	158,404,000		160,776,000	161,007,000	161,194,000		165,342,000	167,301,000	162,602,000	164,638,000	169,933,000	154,592,000	0	10,000	10,000	10,000	123,393,000	411,166,082,717,046,000	411,271,297,313,411,000		111,484,000	112,803,000	113,481,000		92,491,000	92,543,000	93,325,000		91,762,000	90,999,000	91,806,000		91,826,000	91,142,000	89,360,000		89,215,000	84,575,000	83,848,000		85,724,000	86,426,000	81,048,000		80,219,000		74,654,000	72,853,000	72,631,000		69,171,000	69,556,000	70,109,000	69,685,000	66,211,000
accrued interest and fees receivable	57,583,000	53,535,000		50,815,000	58,085,000	53,762,000		46,933,000	46,094,000	42,476,000		41,627,000	43,215,000	38,592,000		34,072,000	36,954,000	36,405,000		41,420,000	38,553,000	36,724,000	31,647,000	34,126,000	29,202,000					36,177,000				28,700,000	26,202,000	29,830,000		28,873,000	24,833,000	27,518,000		27,564,000	24,791,000
other assets	483,369,000	463,002,000		465,665,000	444,386,000	425,591,000		462,377,000	439,731,000	414,797,000		523,803,000	427,908,000	341,201,000		308,887,000	303,329,000	277,295,000		279,933,000	259,144,000	248,309,000	243,082,000	253,001,000	249,211,000	0	105,000	105,000	17,000	249,488,000	80,885,184,927,260,210,000	80,882,724,636,354,720,000		171,792,000	167,903,000	170,403,000		148,205,000	175,431,000	141,842,000		158,912,000	156,305,000	175,403,000		123,631,000	107,504,000	121,660,000		109,889,000	108,082,000	125,056,000		94,814,000	114,102,000	82,725,000		87,713,000		48,208,000	50,511,000	50,240,000		60,571,000	43,681,000	38,216,000	38,747,000	33,538,000
total assets	16,665,018,000	16,764,296,000	15,990,697	16,404,700,000	15,906,816,000	15,858,670,000	15,242,884	15,386,322,000	15,108,050,000	15,255,953,000	15,567,139	15,594,547,000	15,487,833,000	15,625,883,000	14,835,025	15,331,098,000	14,801,287,000	14,620,181,000	12,896,499	13,845,325,000	13,444,217,000	11,808,983,000	11,410,295,000	11,597,297,000	10,745,388,000					10,746,198,000			8,660,067	8,727,746,000	8,742,111,000	8,615,901,000	7,814,564	7,997,166,000	7,908,771,000	7,576,039,000	7,423,903	7,502,643,000	7,461,343,000	7,397,228,000	7,201,047	7,302,017,000	7,020,716,000	7,221,073,000	7,154,334	7,570,373,000	7,166,331,000	6,912,458,000	6,184,170	6,503,854,000	6,390,485,000	5,549,372,000	5,458,997	5,496,217,000	5,318,198	5,378,095,000	5,336,987,000	5,324,733,000	4,758,083	4,766,519,000	4,657,783,000	4,658,415,000	4,697,502,000	4,558,888,000
liabilities:
noninterest-bearing deposits	3,588,602,000	3,526,485,000		3,586,845,000	3,649,389,000	3,554,686,000		3,780,519,000	3,855,085,000	3,949,801,000		4,281,859,000	4,092,073,000	4,036,563,000		3,864,951,000	3,729,355,000	3,710,292,000		3,326,517,000	3,273,921,000	2,491,720,000	2,465,902,000	2,549,395,000	2,363,408,000					2,293,057,000				1,577,194,000	1,546,253,000	1,533,085,000		1,357,554,000	1,337,101,000	1,316,621,000		1,279,052,000	1,257,223,000	1,225,977,000		1,158,013,000	1,120,683,000	1,115,417,000		1,098,135,000	944,695,000	911,131,000		887,009,000	849,071,000	754,892,000		738,994,000		708,051,000	697,612,000	667,452,000		581,379,000	584,752,000	563,226,000
interest-bearing deposits	10,113,166,000	10,365,562,000		9,889,326,000	9,488,499,000	9,797,336,000		9,250,269,000	9,016,701,000	9,160,871,000		9,204,462,000	9,265,699,000	9,281,104,000		8,858,870,000	8,609,670,000	8,493,945,000		7,794,073,000	7,572,752,000	6,812,262,000	6,529,065,000	6,618,890,000	6,124,797,000					6,151,363,000				5,500,225,000	5,411,601,000	5,585,977,000		4,790,556,000	4,749,719,000	4,809,926,000		4,688,279,000	4,714,072,000	4,812,911,000		4,529,320,000	4,549,447,000	4,659,407,000		4,610,494,000	3,965,657,000	4,040,876,000		3,951,744,000	3,908,031,000	3,266,139,000		3,227,341,000		3,180,194,000	3,166,811,000	3,194,713,000		2,645,014,000	2,662,596,000	2,680,156,000	2,643,543,000
total deposits	13,701,768,000	13,892,047,000		13,476,171,000	13,137,888,000	13,352,022,000		13,030,788,000	12,871,786,000	13,110,672,000		13,486,321,000	13,357,772,000	13,317,667,000		12,723,821,000	12,339,025,000	12,204,237,000		11,120,590,000	10,846,673,000	9,303,982,000	8,994,967,000	9,168,285,000	8,488,205,000					8,444,420,000				7,077,419,000	6,957,854,000	7,119,062,000		6,148,110,000	6,086,820,000	6,126,547,000		5,967,331,000	5,971,295,000	6,038,888,000		5,687,333,000	5,670,130,000	5,774,824,000		5,708,629,000	4,910,352,000	4,952,007,000		4,838,753,000	4,757,102,000	4,021,031,000		3,966,335,000		3,888,245,000	3,864,423,000	3,862,165,000		3,226,393,000	3,247,348,000	3,243,382,000	3,228,464,000	3,278,468,000
overnight borrowings	130,400,000	0	8,677,048,515.59	0	177,600,000	0	18,458,193,495.06	0	234,000,000	58,400,000	17,508,065,183.72	119,800,000
securities sold under agreement to repurchase, short-term	180,621,000	266,581,000		317,448,000	215,453,000	287,241,000		330,252,000	233,469,000	304,607,000		352,772,000	223,755,000	300,531,000		316,763,000	194,887,000	257,767,000		280,767,000	168,491,000	204,991,000	241,708,000	233,333,000	142,359,000		0	0	0	337,011,000	0	0
federal home loan bank and other borrowings	583,439,000	595,455,000		630,970,000	539,121,000
accrued interest and other liabilities	185,699,000	176,138,000		195,164,000	166,574,000	167,330,000		153,506,000	134,105,000	130,977,000		151,763,000	155,876,000	150,448,000		214,385,000	200,049,000	177,524,000		246,572,000	246,897,000	228,557,000	215,221,000	259,796,000	205,444,000					180,567,000				173,681,000	177,570,000	160,322,000		143,790,000	153,278,000	138,262,000		123,868,000	113,516,000	120,991,000		79,798,000	76,151,000	105,454,000		126,962,000	110,988,000	107,297,000		79,091,000	72,835,000	73,826,000		82,556,000		65,515,000	63,299,000	56,536,000		53,423,000	52,178,000	58,256,000	60,926,000	59,659,000
total liabilities	14,781,927,000	14,930,221,000		14,619,753,000	14,236,636,000	14,201,715,000		13,831,383,000	13,490,644,000	13,621,940,000		14,133,384,000	13,826,137,000	13,773,780,000		13,261,164,000	12,740,187,000	12,648,784,000		11,746,665,000	11,362,902,000	9,832,352,000	9,555,061,000	9,756,876,000	8,935,878,000					9,110,883,000				7,487,164,000	7,505,182,000	7,415,236,000		6,952,140,000	6,908,432,000	6,562,637,000		6,537,119,000	6,506,328,000	6,479,092,000		6,436,338,000	6,170,685,000	6,343,779,000		6,665,774,000	6,281,272,000	6,071,785,000		5,748,221,000	5,660,414,000	4,925,272,000		4,880,417,000		4,812,195,000	4,786,358,000	4,777,536,000		4,283,444,000	4,174,135,000	4,169,747,000	4,218,718,000	4,091,991,000
commitments and contingencies
shareholders’ equity:
preferred stock, 1.00 par value, 500,000 shares authorized, 0 shares issued	0	0		0	0	0		0	0	0		0	0	0		0	0	0		0	0	0	0	0	0					0				0	0	0		0	0	0		0
common stock	54,887,000	54,853,000		54,573,000	54,549,000	54,540,000		54,364,000	54,364,000	54,360,000		54,188,000	54,185,000	54,164,000		54,072,000	54,064,000	54,019,000		53,698,000	53,672,000	52,190,000	51,975,000	51,843,000	51,806,000					51,264,000				44,857,000	44,696,000	44,598,000		41,929,000	41,840,000	41,757,000																		33,990,000		33,575,000	33,575,000	33,576,000		33,461,000	33,300,000	33,257,000	33,000,000	32,910,000
additional paid-in capital	1,081,954,000	1,078,253,000		1,069,258,000	1,065,937,000	1,063,508,000		1,057,433,000	1,054,871,000	1,052,802,000		1,048,444,000	1,046,303,000	1,043,707,000		1,039,146,000	1,037,088,000	1,034,225,000		1,021,798,000	1,019,291,000	935,924,000	927,337,000	921,682,000	917,855,000					894,879,000				540,549,000	535,568,000	531,357,000		421,213,000	417,513,000	413,925,000		405,313,000	403,831,000	402,326,000		392,549,000	387,133,000	383,902,000		376,654,000	373,926,000	372,554,000		309,881,000	308,779,000	228,019,000		222,207,000		214,977,000	214,383,000	213,556,000		217,574,000	213,970,000	212,713,000	208,429,000	205,349,000
retained earnings	1,327,660,000	1,300,658,000		1,249,793,000	1,230,133,000	1,205,994,000		1,179,196,000	1,159,126,000	1,134,527,000		1,123,641,000	1,098,664,000	1,082,107,000		1,037,936,000	1,015,742,000	990,504,000		936,273,000	915,392,000	902,148,000	882,851,000	861,254,000	843,288,000					700,557,000				602,513,000	589,559,000	577,384,000		560,021,000	547,769,000	536,056,000		515,040,000	504,860,000	492,550,000		477,568,000	466,848,000	456,524,000		438,912,000	431,226,000	420,415,000		402,426,000	391,993,000	382,838,000		366,783,000		340,380,000	335,128,000	333,176,000		325,125,000	319,927,000	314,927,000	310,281,000	295,500,000
accumulated other comprehensive loss	-486,835,000	-505,114,000		-494,032,000	-585,794,000	-583,816,000		-691,693,000	-611,702,000	-578,085,000		-746,381,000	-518,727,000	-321,994,000											-4,621,000																			-1,066,000												-3,222,000				-4,765,000
treasury stock	-99,867,000	-99,825,000		-100,492,000	-100,446,000	-89,027,000		-51,198,000	-46,038,000	-36,325,000		-26,426,000	-26,369,000	-13,464,000		-5,693,000	-5,632,000	-5,572,000		-6,131,000	-6,066,000	-6,005,000	-6,823,000	-6,875,000	-8,797,000					-21,014,000				-13,428,000	-13,929,000	-13,961,000		-24,044,000	-25,453,000	-27,269,000		-16,982,000	-16,982,000	-17,115,000		-17,115,000	-17,115,000	-17,115,000		-17,473,000	-17,533,000	-17,533,000		-17,731,000	-17,776,000	-17,776,000		-18,100,000		-18,267,000	-18,267,000	-18,267,000		-73,628,000	-73,628,000	-73,628,000	-73,628,000	-62,868,000
deferred compensation arrangements	5,292,000	5,250,000		5,847,000	5,801,000	5,756,000		6,837,000	6,785,000	6,734,000		7,697,000	7,640,000	7,583,000		8,299,000	8,238,000	8,178,000		9,060,000	8,995,000	8,930,000	10,120,000	10,047,000	9,979,000					13,328,000
total shareholders’ equity	1,883,091,000	1,834,075,000		1,784,947,000	1,670,180,000	1,656,955,000		1,554,939,000	1,617,406,000	1,634,013,000		1,461,163,000	1,661,696,000	1,852,103,000		2,069,934,000	2,061,100,000	1,971,397,000			2,081,315,000		1,855,234,000																																												478,784,000	466,897,000
total liabilities and shareholders’ equity	16,665,018,000	16,764,296,000		16,404,700,000	15,906,816,000	15,858,670,000		15,386,322,000	15,108,050,000	15,255,953,000		15,594,547,000	15,487,833,000	15,625,883,000		15,331,098,000	14,801,287,000	14,620,181,000			13,444,217,000		11,410,295,000																																												4,697,502,000	4,558,888,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 378,668 and 362,129, respectively		2,826,915,000
interest-earning assets:
cash equivalents			10,269,052,905.15				5,588,127,754.97				36,054,214,950.41				190,921,224,650.13				83,143,810,700.13														19,062,890.47				13,543,320.23				9,701,210.21				625,841,590.25				1,267,143,300.26				2,028,855,030.25				1,015,072,550.25		2,624,796,820.26				394,526,141.56
taxable investment securities			4,136,337,804,441.94				4,294,210,795,931.85				5,639,310,938,761.66				3,761,709,661,431.76				2,806,587,614,682.19														2,177,589,561,132.58				2,071,095,532,822.57				1,834,430,522,682.85				1,806,137,566,463.14				1,939,998,668,573.45				1,398,437,569,824.07				1,154,780,483,884.19		848,963,404,814.77				783,691,416,005.31
nontaxable investment securities			453,676,149,933.3				514,802,173,953.38				506,503,167,873.31				406,184,132,293.26				455,048,151,213.32														579,986,269,244.64				617,418,292,054.73				640,737,327,375.11				645,464,332,425.15				679,119,372,785.49				568,295,352,076.2				537,216,356,246.63		555,353,377,046.79				527,993,363,276.88
total interest-earning assets			147,548,806,472,494.38				140,780,615,456,303.88				145,486,654,478,033.1				133,933,833,908,132.92				113,581,623,932,173.45														76,585,422,951,483.84				69,901,472,720,263.89				66,417,082,717,534.09				64,687,002,792,194.32				63,738,372,983,064.68				55,249,032,866,435.19				48,685,332,634,825.41		47,716,032,644,545.54				42,859,262,659,406.2
noninterest-earning assets			1,235,817				1,164,823				1,018,474				1,441,642				1,538,337														1,001,525				824,417				782,195				732,347				780,497				659,267				590,464		546,595				472,157
interest-bearing liabilities:
interest checking, savings and money market deposits			7,600,646,829,991.09				7,771,827,526,290.68				819,455,880,300.1				759,568,231,330.04				637,140,655,320.09														471,221,241,210.09				405,376,135,980.09				386,781,836,140.09				361,472,237,730.1				316,965,168,950.22				2,640,239,101,030.38				2,193,512,113,990.52		1,835,138,114,480.62				1,364,652,110,610.81
time deposits			2,037,315,765,213.76				1,280,751,327,082.55				92,899,070,140.76				95,742,984,980.89				935,809,112,291.2														75,094,432,040.43				73,773,433,730.46				84,503,545,760.54				94,009,569,590.74				1,062,307,112,671.06				1,101,013,160,531.46				1,030,995,191,601.86		1,325,598,343,282.59				1,360,275,520,193.82
customer repurchase agreements			27,135,945,841.69				30,521,330,941.01				3,075,289,980.32
fhlb and other borrowings			505,130,228,134.52
federal reserve short-term borrowings			5,409,826,434.88
subordinated notes payable			0				765,384.96	0	0	0	32,641,534.67	3,256,000	3,263,000	3,270,000	32,911,544.67	3,283,000	3,290,000	3,297,000	125,056,705.36	13,735,000	13,755,000	13,775,000	13,795,000	13,814,000
total interest-bearing liabilities			105,553,181,944,111.84				96,839,531,041,031.08				9,622,471,230,990.24				8,841,268,130,080.15				7,631,130,208,750.27														5,735,083,112,910.2				5,305,322,112,020.21				5,118,264,117,920.23				5,121,896,260,650.51				5,179,412,509,760.98				4,574,327,615,561.35				4,063,821,665,971.64		4,019,891,832,822.07				36,268,361,023,522.82
noninterest-bearing liabilities:
noninterest checking deposits			3,580,297				3,848,261				4,106,029				3,748,577				3,024,763														1,558,548				1,352,683				1,249,807				1,119,935				989,631				825,277				728,408		686,692				581,271
other liabilities			159,288				114,946				105,118				181,075				213,937							0	-31,000	-31,000	-31,000			0	154,916				128,521				109,206				86,920				111,051				78,221				72,520		56,147				52,145
shareholders' equity			1,695,794				1,595,724				1,733,521				2,064,105				2,026,669														1,211,520				1,028,038				946,626				872,296				874,240				706,345				594,248		555,468				497,831
total liabilities and shareholders' equity			15,990,697				15,242,884				15,567,139				14,835,025				12,896,499	13,845,325,000		11,808,983,000		11,597,297,000	10,745,388,000					10,746,198,000			8,660,067	8,727,746,000	8,742,111,000	8,615,901,000	7,814,564	7,997,166,000	7,908,771,000	7,576,039,000	7,423,903	7,502,643,000	7,461,343,000	7,397,228,000	7,201,047	7,302,017,000	7,020,716,000	7,221,073,000	7,154,334	7,570,373,000	7,166,331,000	6,912,458,000	6,184,170	6,503,854,000	6,390,485,000	5,549,372,000	5,458,997	5,496,217,000	5,318,198	5,378,095,000	5,336,987,000	5,324,733,000	4,758,083	4,766,519,000	4,657,783,000	4,658,415,000
net interest earnings			452,838				441,527				424,704				377,805				372,342														283,857				260,824				259,961				253,154				247,330				225,087				196,885		181,172				163,588
net interest spread			2.52				2.8				2.84				2.77				3.19														3.65				3.68				3.86				3.81				3.7				3.84				3.77		3.47				3.38
net interest margin on interest-earning assets			3.04				3.11				2.92				2.82				3.28														3.71				3.73				3.91				3.91				3.88				4.07				4.04		3.8				3.82
fully tax-equivalent adjustment			3,721				4,242				4,074				3,393				3,939														9,961				12,404				15,533				15,060				16,906				15,674				15,201		15,672				15,081
averages for investment securities are based on amortized cost basis and the yields do not give effect to changes in fair value that is reflected as a component of noninterest-earning assets, shareholders’ equity and deferred taxes.
includes nonaccrual loans. the impact of interest and fees not recognized on nonaccrual loans was immaterial.
the fte adjustment represents taxes that would have been paid had nontaxable investment securities and loans been taxable. the adjustment enhances the comparability of the performance of assets that have different tax liabilities.
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 393,137 and 598,873, respectively				2,885,943,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 344,813 and 598,873, respectively					2,808,953,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 393,453 and 598,873, respectively						2,863,864,000
other federal home loan bank borrowings						395,122,000		316,837,000	17,284,000	17,284,000		19,472,000	19,471,000	1,864,000		2,912,000	2,936,000	5,959,000		7,681,000	7,704,000	3,727,000	3,750,000
fhlb borrowings							14,081,662,854.46				130,513,862.96				4,114,892.16				108,222,101.94														16,976,910,170.6
subordinated debt held by unconsolidated subsidiary trusts							0				0				154,642,931.89	0	0	0	7,785,018,752.41	77,320,000	79,382,000	77,320,000	77,320,000	77,320,000	97,939,000		0	0	0	122,814,000	0	0	10,215,829,492.89	102,164,000	102,158,000	102,152,000		102,140,000	102,134,000	102,128,000		102,115,000	102,109,000	102,103,000		102,091,000	102,085,000	102,079,000		102,067,000	102,060,000	102,054,000		102,042,000	102,036,000	102,030,000		102,018,000		101,993,000	101,987,000	101,981,000		101,969,000	101,963,000	101,956,000	127,724,000	127,099,000
the fte adjustment represents taxes that would have been paid had nontaxable investment securities and loans been taxable. the adjustment attempts to enhance the comparability of the performance of assets that have different tax liabilities.
available-for-sale investment securities includes pledged securities that can be sold or repledged of 542,828 and 466,902, respectively								2,767,636,000
available-for-sale investment securities includes pledged securities that can be sold or repledged of 597,088 and 466,902, respectively									3,064,870,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 640,396 and 466,902, respectively										3,485,993,000
net loans										8,919,165,000		8,483,244,000	8,089,154,000	7,372,106,000		7,233,083,000	7,192,397,000	7,313,258,000		7,393,681,000	7,463,602,000	6,810,440,000	6,840,632,000	6,803,768,000	6,234,760,000					6,209,174,000				4,893,832,000	4,858,276,000	4,775,576,000		4,267,959,000	4,218,321,000	4,118,906,000		4,171,971,000	4,103,188,000	4,052,161,000		3,981,372,000	3,892,525,000	3,818,688,000		3,769,640,000	3,519,842,000	3,418,930,000		3,434,006,000	3,435,619,000	2,958,297,000		3,037,787,000		3,046,021,000	3,051,275,000	3,063,688,000		2,966,617,000	2,885,115,000	2,801,358,000	2,784,628,000	2,646,343,000
the fully-tax equivalent adjustment represents taxes that would have been paid had nontaxable investment securities and loans been taxable. the adjustment attempts to enhance the comparability of the performance of assets that have different tax liabilities.
available-for-sale investment securities includes pledged securities that can be sold or repledged of 427,164 and 485,414, respectively												5,170,689,000
available-for-sale investment securities includes pledged securities that can be sold or repledged of 433,578 and 485,414, respectively													5,590,427,000
overnight federal reserve bank borrowings													66,000,000
available-for-sale investment securities, includes pledged securities that can be sold or repledged of 436,813 and 485,414, respectively														5,787,158,000
intangible assets														863,038,000		868,104,000	842,672,000	843,045,000		850,214,000	852,761,000	832,919,000	836,923,000	840,685,000	800,515,000					825,088,000				482,119,000	483,478,000	484,881,000		384,525,000	385,515,000	386,054,000		387,966,000	389,018,000	390,119,000		383,735,000	384,815,000	385,954,000		388,398,000	358,435,000	359,480,000		360,228,000	363,015,000	311,076,000		312,686,000		322,661,000	324,636,000	326,519,000		257,042,000	253,752,000	255,111,000	256,216,000	244,598,000
repurchase agreements															2,652,888,410.32				22,273,813,590.61
averages for investment securities are based on historical cost and the yields do not give effect to changes in fair value that is reflected as a component of noninterest-earning assets, shareholders’ equity and deferred taxes.
available-for-sale investment securities																4,358,371,000	4,012,739,000	3,791,391,000		3,222,722,000	3,293,116,000	3,141,882,000	3,044,428,000	2,437,102,000	2,359,038,000					3,031,088,000				2,842,255,000	2,889,863,000	2,870,736,000		2,867,439,000	2,817,861,000	2,622,779,000		2,465,931,000	2,493,766,000	2,470,286,000		1,848,652,000	1,706,304,000	1,773,634,000		2,195,104,000	2,206,147,000	2,045,380,000		1,457,788,000	1,440,198,000	1,145,475,000		1,117,605,000									1,254,622,000
loans held for sale, at fair value																117,000	1,340,000	1,140,000		8,151,000	5,517,000	3,272,000	0	0	0					461,000				633,000	514,000	339,000		1,014,000	1,031,000	1,437,000		726,000	720,000	802,000		945,000	1,153,000			113,000	0			167,000	869,000	282,000		1,541,000
accumulated other comprehensive income																-63,826,000	-48,400,000	-109,957,000				83,444,000		2,470,000										66,091,000	81,035,000	61,287,000		45,907,000	18,670,000	48,933,000						-28,401,000	-27,716,000	13,212,000		66,136,000	57,167,000	24,997,000		23,418,000	9,456,000						-14,190,000	-14,844,000		-19,457,000	-9,921,000	1,399,000		-3,994,000
overnight federal home loan bank borrowings																				0	0	0	8,300,000
shareholders' equity:
accumulated other comprehensive gain																				83,962,000	90,031,000																																					10,920,000
total shareholders' equity																				2,098,660,000		1,976,631,000		1,840,421,000	1,809,510,000					1,635,315,000				1,240,582,000	1,236,929,000	1,200,665,000		1,045,026,000	1,000,339,000	1,013,402,000		965,524,000	955,015,000	918,136,000		865,679,000	850,031,000	877,294,000		904,599,000	885,059,000	840,673,000		755,633,000	730,071,000	624,100,000		615,800,000		565,900,000	550,629,000	547,197,000		483,075,000	483,648,000	488,668,000
allowance for loan losses																							-49,911,000	-49,423,000	-49,310,000					-47,583,000				-46,789,000	-46,526,000	-45,596,000		-45,588,000	-45,282,000	-45,005,000		-45,273,000	-44,615,000	-44,197,000		-44,083,000	-43,473,000	-42,913,000		-42,817,000	-41,828,000	-41,809,000		-42,463,000	-42,531,000	-42,147,000		-42,610,000		-41,072,000	-40,330,000	-40,053,000		-37,413,000	-37,128,000	-36,428,000	-36,427,000	-35,891,000
accumulated other comprehensive																							-10,226,000
short-term borrowings																								0	0					24,000,000																																	450,780,178,163.95
other long-term debt																								4,328,000	1,931,000					2,071,000
consideration paid :
cash																										1,200,000	1,753,000	1,753,000	1,480,000		70,073,828,984,224,160,000,000	120,070,073,302,482,910,000,000,000
total net consideration paid																										1,200,000	1,753,000	1,753,000	1,480,000		1,485,563,451,524,224,400,000,000	12,001,485,563,024,345,000,000,000,000
recognized amounts of identifiable assets acquired and liabilities assumed:
total identifiable assets																										1,200,000	1,443,000	1,443,000	1,111,000		721,261,568,692,574,200,000,000	1,200,720,221,374,154,900,000,000,000
available-for-sale portfolio:
u.s. treasury and agency securities																										2,033,399,000
obligations of state and political subdivisions																										423,916,000
government agency mortgage-backed securities																										389,154,000
corporate debt securities																										2,572,000
government agency collateralized mortgage obligations																										66,226,000
total available-for-sale portfolio																										2,915,267,000
equity and other securities:
equity securities, at fair value																										251,000
federal home loan bank common stock																										6,308,000
federal reserve bank common stock																										30,690,000
other equity securities, at adjusted cost																										4,992,000
total equity and other securities																										42,241,000
community bank system, inc. common stock																											0	0	0		784,832,622,540,340,700,000	784,830,262,254,340,800,000
investment securities																											0	0	0		202,943,706,480,390,930,000	202,940,370,480,390,800,000
accrued interest receivable																											0	0	0		72,477,304,845,000	72,047,734,845,000																		30,080,000	32,577,000	27,944,000		27,755,000	28,656,000	26,760,000		27,566,000		26,472,000	24,122,000	26,590,000		25,747,000	23,654,000	25,545,000	25,531,000	25,727,000
deposits																											0	0	0		0	0
short-term advances																											0	0	0		0	0
long-term debt																											0	0	0		0	0
contractually required principal and interest at acquisition																											15,454,000				1,635,118,725,741,889,000,000	1,635,118,725,741,889,000,000
contractual cash flows not expected to be collected																											-5,385,000				-5,794,000	-5,190,000
expected cash flows at acquisition																											10,069,000				1,055,718,578,211,868,400,000	1,116,118,578,211,868,900,000
interest component of expected cash flows																											-793,000				-758,000	-769,000
fair value of acquired loans																											9,276,000				979,914,788,811,488,600,000	1,039,214,788,811,489,300,000
includes amounts related to the penna, styles bridges and hr consultants acquisitions.
includes amounts related to the penna and styles bridges acquisitions.
other securities, at cost																														50,291,000				35,389,000	41,438,000	32,142,000		49,824,000	50,189,000	33,645,000		40,311,000	40,653,000	35,935,000		52,012,000	41,001,000	42,502,000		58,641,000	78,024,000	67,092,000		58,904,000	55,833,000	53,446,000		53,597,000
accumulated other comprehensive (loss)/income																														-3,699,000
borrowings																																		133,900,000	267,600,000	33,700,000	51,382,742,310.82	558,100,000	566,200,000	195,700,000	40,541,136,020.89	343,805,000	319,408,000	217,110,000	567,079,153,332.7	567,116,000	322,319,000	361,422,000	947,454,328,143.46	728,116,000	1,157,872,000	910,427,000	833,075,354,004.25	728,335,000	728,441,000	728,385,000	839,314,360,384.29	729,508,000	859,155,375,064.37	756,442,000	756,649,000	756,854,000		901,659,000	772,646,000	766,153,000	801,604,000	626,765,000
averages for investment securities are based on historical cost and the yields do not give effect to changes in fair value that is reflected as a component of shareholders’
equity and deferred taxes.
41,213,491 shares issued, respectively																																										41,483,000	41,464,000	41,441,000
accumulated other comprehensive income/																																										20,670,000	21,842,000																								702,000
preferred stock 1.00 par value, 500,000 shares authorized, 0 shares issued																																											0	0																						0	0
accrued interest and fee receivable																																												27,299,000		27,729,000	28,492,000	26,993,000
held-to-maturity investment securities																																														617,910,000	619,207,000	631,984,000		641,540,000	647,747,000	652,673,000		558,591,000	592,074,000	593,325,000		597,947,000		283,305,000	110,354,000	118,001,000		101,751,000	138,167,000	136,079,000	137,250,000	138,513,000
40,421,493 shares issued, respectively																																														41,078,000	40,881,000	40,771,000
37,794,532 shares issued, respectively																																																		40,370,000	40,273,000	40,240,000
34,131,289 shares issued, respectively																																																						37,639,000	37,619,000	34,241,000
33,630,700 shares issued, respectively
available-for-sale investment securities, at fair value																																																												1,214,521,000	1,225,004,000	1,299,965,000		1,182,025,000	1,120,625,000	1,171,603,000		1,179,041,000
total investment securities																																																												1,497,826,000	1,335,358,000	1,417,966,000		1,283,776,000	1,258,792,000	1,307,682,000	1,391,872,000	1,317,554,000
loans held for sale																																																												519,000	3,860,000	16,429,000
33,574,989 and 33,468,215 shares issued at september 30, 2009 and december 31, 2008, respectively
33,575,407 and 33,468,215 shares issued at june 30, 2009 and december 31, 2008, respectively
commitment and contingencies
33,576,434 and 33,468,215 shares issued at march 31, 2009 and december 31, 2008, respectively
long-term borrowings																																																															451,129,214,564.76
33,461,020 and 32,999,544 shares issued in 2008 and 2007, respectively
33,299,520 and 32,999,544 shares issued in 2008 and 2007, respectively
noninterest bearing deposits																																																																			584,921,000	592,954,000
interest bearing deposits																																																																				2,685,514,000

We provide you with 20 years of balance sheets for Community Bank System stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as asset and liabilities, payables and receivables, long debts and short debts, cash and inventories, expenses and profits. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Community Bank System. Explore the full financial landscape of Community Bank System stock with our expertly curated balance sheets.

The information provided in this report about Community Bank System stock is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.