Community Financial System, Inc. Income Statement

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Income Statement Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Revenue & Cost
Provisions 9.79M7.21M4.74M9.11M7.99M7.18M6.45M8.08M10.98M10.84M8.43M14.21M-8.84M14.77M11.20M22.77M
Revenue 36.70M3.85M52.34M0.30M66.10M61.19M76.09M90.85M126.63M107.41M142.73M118.67M139.25M108.34M652.12M746.30M
Interest income
Interest income - Loans 185.12M178.70M192.98M192.71M188.20M185.53M187.74M211.47M253.95M286.17M308.21M314.78M308.36M335.07M445.17M545.77M
Interest income - Investments -0.84M1.42M1.02M0.71M0.55M0.46M0.91M0.78M0.49M
Interest Income - Debt Securities 40.03M47.24M55.63M65.17M54.99M50.25M52.87M56.20M60.16M63.50M65.90M62.54M68.61M95.37M82.37M85.73M
Interest Income - Total 248.78M248.28M270.97M281.40M264.16M256.22M259.62M285.19M329.45M362.73M385.73M389.28M387.42M443.73M541.39M643.53M
Interest expenses
Interest Expense - Deposits 45.78M30.56M26.16M18.16M10.73M8.19M6.97M7.33M8.03M10.66M20.46M16.76M11.63M15.04M85.34M159.52M
Interest Expense - Debt 6.15M5.96M5.80M30.10M12.81M2.48M2.54M2.95M3.90M4.68M3.90M1.88M1.38M8.05M18.77M34.89M
Interest Expense - Fed Funds 0.84M1.00M6.29M22.81M
Interest Expense - Others 31.35M30.08M29.60M30.10M12.81M6.52M9.35M4.85M
Interest Expenses 83.28M66.60M61.56M50.98M26.07M11.79M11.20M11.29M13.78M17.68M26.55M20.88M13.01M23.10M104.10M194.41M
Interest Income - Net 165.50M181.68M209.41M230.42M238.09M244.43M248.42M273.90M315.68M345.06M359.18M368.40M374.41M420.63M437.29M449.12M
Non-interest income
Interest Income - Total 155.71M174.48M204.68M221.32M230.10M237.25M241.97M265.82M304.69M334.22M350.75M354.19M383.25M405.86M426.08M426.34M
Financial Services Fees 27.77M29.62M31.60M35.95M1.80M
Service Charges 41.28M43.36M42.33M46.06M49.36M52.76M52.75M58.59M67.90M70.38M65.60M57.37M59.21M66.85M63.06M66.61M
Investment Gain (Loss) -52.33M-0.49M
Mortgage Banking 5.84M5.99M4.65M4.07M5.25M5.81M4.96M7.48M5.47M3.57M4.36M5.30M3.67M4.64M6.32M7.51M
Other Non-Interest Income 8.61M88.79M89.22M99.25M102.18M3.90M12.07M12.18M16.76M5.10M7.10M6.10M8.96M8.20M9.50M9.70M
Non-Interest Income 83.53M88.79M89.22M99.25M102.18M119.02M123.30M155.62M202.42M224.06M230.62M228.42M246.24M258.73M214.83M297.19M
Operating Items
Amortization - Intangibles 23.63M22.34M22.35M23.52M20.97M20.45M19.01M17.52M16.94M18.16M15.96M14.30M14.05M15.21M14.51M14.26M
Research & Development 20.68M20.72M20.52M23.70M27.19M29.29M30.43M34.50M37.58M39.09M41.41M45.76M51.00M54.10M57.59M61.84M
Wages, Salaries and Other 92.69M91.40M102.28M112.03M121.63M123.08M126.36M156.40M186.90M207.36M219.92M228.38M241.50M257.34M281.80M300.78M
Rent Expense 23.18M22.93M24.50M25.80M27.05M27.95M27.59M30.08M35.56M39.95M39.85M40.73M41.24M42.41M42.55M43.66M
Restructuring Costs 0.86M4.83M5.75M2.18M0.12M7.04M1.71M26.00M-0.77M8.61M4.93M0.70M5.02M5.80M0.21M
Other Operating Expenses 142.31M68.18M70.42M156.51M164.84M85.67M96.89M109.19M176.26M167.91M180.24M171.15M191.45M191.45M193.42M381.11M
Operating Expenses 186.18M176.89M190.37M211.76M221.25M226.58M233.06M266.85M347.15M345.29M372.03M376.53M388.14M424.27M472.69M486.82M
Operating Income -324.41M-343.97M-324.02M-418.61M-371.94M-387.69M-379.32M-435.66M-524.74M-565.78M-576.75M-615.17M-622.08M-720.26M
EBIT -324.41M-343.97M-324.02M-418.61M-371.94M-387.69M-379.32M-435.66M-524.74M-565.78M-576.75M-615.17M-622.08M-720.26M272.33M431.12M
Non-operating items
Other Non Operating Income -0.09M-87.34M-0.32M0.42M0.24M
Net income details
EBT 53.07M86.39M103.53M108.81M111.03M129.69M132.22M154.60M159.97M212.99M209.34M206.08M241.35M240.31M168.23M236.71M
Tax Provisions 11.62M23.07M30.39M31.74M32.20M38.34M40.99M50.78M31.15M44.35M40.27M41.40M51.65M52.23M36.31M54.22M
Profit After Tax 41.45M63.32M73.14M77.07M78.83M91.35M91.23M103.81M150.72M168.64M169.06M164.68M189.69M188.08M131.92M182.48M
Equity Income 9.47M63.32M24.66M78.37M14.45M32.10M0.66M0.02M-0.01M0.02M-0.04M-0.05M1.23M
Net Income - Minority -3.32M-3.23M-3.20M-3.10M-3.10M-3.00M
Income from Continuing Operations 41.45M63.32M73.14M77.07M78.83M91.35M91.23M103.81M128.81M168.64M169.06M164.68M189.69M188.08M131.92M182.48M
Consolidated Net Income 41.45M63.32M73.14M77.07M78.83M91.35M91.23M103.81M128.81M168.64M169.06M164.68M189.69M188.08M131.92M182.48M
Income towards Parent Company 41.45M63.32M73.14M77.07M78.83M91.35M87.91M100.58M125.61M165.54M165.96M161.68M189.69M188.08M131.92M182.48M
Preferred Dividend Payments 0.55M0.50M0.43M0.46M0.45M0.55M
Net Income towards Common Stockholders 41.45M63.32M72.59M76.57M78.40M90.90M90.78M103.26M125.61M165.54M165.96M161.68M189.69M188.08M131.92M182.48M
Additional items
EPS (Basic) 1.261.912.031.951.962.242.212.343.073.283.263.103.513.482.453.44
EPS (Weighted Average and Diluted) 1.261.892.011.931.942.222.192.323.033.243.233.083.483.462.453.44
Shares Outstanding (Weighted Average) 32.74M33.17M36.85M39.59M40.36M40.60M41.10M44.38M50.61M51.19M51.70M53.54M53.93M53.73M
Tax Rate 21.90%26.70%29.35%29.17%29.00%29.56%31.00%32.85%19.47%20.82%19.24%20.09%21.40%21.74%21.58%22.91%