Community Financial System Income Statement (2010-2023) | CBU

Income Statement Jun2010 Sep2010 Dec2010 Mar2011 Jun2011 Sep2011 Dec2011 Mar2012 Jun2012 Sep2012 Dec2012 Mar2013 Jun2013 Sep2013 Dec2013 Mar2014 Jun2014 Sep2014 Dec2014 Mar2015 Jun2015 Sep2015 Dec2015 Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023
Revenue & Cost
Provisions 1.82M1.40M1.94M1.05M1.05M1.04M1.59M1.64M2.15M2.64M2.67M1.39M1.32M2.09M3.19M1.00M1.90M1.75M2.53M0.62M0.59M1.91M3.33M1.34M2.31M1.79M2.64M1.83M1.46M2.31M5.38M3.68M2.45M2.21M2.50M2.42M1.40M1.75M2.86M5.59M9.77M1.95M-3.10M-5.72M-4.34M-0.94M2.16M0.91M6.04M5.18M2.77M3.50M0.75M2.88M4.07M
Revenue 65.00M69.24M67.92M66.36M76.95M77.78M77.53M77.38M81.47M84.63M86.19M84.53M85.53M88.19M82.02M88.46M90.84M92.47M91.68M88.89M90.95M93.75M98.14M105.16M107.08M108.42M108.87M111.59M129.25M137.34M139.91M142.12M143.41M141.99M141.60M142.56M149.01M148.37M149.86M148.68M144.89M152.62M150.63M152.49M151.56M156.92M159.68M160.54M167.24M175.64M175.93M124.53M175.26M175.37M176.96M
Interest income
Interest income - Loans 44.67M45.09M44.09M42.30M49.47M50.70M50.51M47.64M47.08M48.59M49.41M47.12M46.41M47.61M47.06M45.69M46.07M46.88M46.88M45.59M45.79M47.04M49.32M51.65M52.51M53.71M53.60M52.38M62.35M69.50M69.72M69.44M71.15M72.26M73.32M73.70M74.07M79.93M80.51M78.56M78.72M79.65M77.85M79.71M75.91M75.83M76.91M72.51M77.96M88.43M96.17M100.36M107.28M115.14M122.39M
Interest income - Investments -0.46M1.32M0.34M0.22M0.26M0.27M0.31M0.18M0.20M0.18M0.18M0.14M0.15M0.14M0.14M0.12M0.14M0.11M0.11M0.10M0.07M0.19M0.19M0.45M0.28M0.41M0.03M0.06M0.07M0.06M0.17M0.19M
Interest Income - Debt Securities 10.93M11.93M12.21M12.23M14.64M14.28M14.49M14.28M17.45M16.76M16.68M15.22M12.57M13.39M13.82M12.47M12.77M12.24M12.77M12.06M13.29M13.45M14.07M13.60M14.02M13.34M15.24M13.57M15.18M15.23M16.19M15.53M16.52M15.42M16.04M16.09M17.43M15.86M16.53M15.33M15.42M14.88M16.91M15.18M16.79M17.36M19.28M22.59M24.90M23.74M24.14M21.94M20.81M18.97M20.65M
Interest Income - Total 61.05M62.60M62.01M60.29M69.85M70.42M70.41M67.51M70.55M71.39M71.95M67.92M64.14M66.13M65.96M63.24M64.11M64.29M64.58M62.45M63.88M65.28M68.00M69.76M71.11M71.32M73.00M69.96M81.42M88.49M89.59M88.40M91.00M90.90M92.42M92.68M94.35M98.65M100.05M97.00M97.19M97.49M97.60M97.67M95.36M95.67M98.73M97.70M106.17M115.88M123.98M125.88M131.62M137.56M146.33M
Interest expenses
Interest Expense - Deposits 8.60M7.30M6.91M6.01M6.79M6.89M6.47M5.51M4.38M4.40M3.87M3.14M2.70M2.53M2.36M2.23M2.07M1.96M1.93M1.80M1.73M1.69M1.75M1.89M1.87M1.78M1.78M1.73M2.06M2.12M2.11M2.13M2.38M2.76M3.38M4.11M4.56M5.86M5.93M5.54M4.17M3.65M3.39M3.11M2.96M2.82M2.73M2.56M2.69M3.85M5.93M9.93M18.95M24.55M31.91M
Interest Expense - Debt 1.46M1.51M1.50M1.47M1.48M1.50M1.35M0.69M0.68M0.68M28.04M5.73M2.38M2.37M2.34M0.61M0.62M0.62M0.62M0.61M0.63M0.64M0.66M0.69M0.72M0.75M0.79M0.81M0.94M1.07M1.10M1.17M1.33M1.15M1.03M1.09M1.06M1.00M0.74M0.65M0.45M0.39M0.37M0.29M0.25M0.20M0.66M0.22M0.30M1.59M5.94M4.92M3.40M5.21M5.23M
Interest Expense - Others 7.70M7.47M7.46M7.29M7.39M7.47M7.45M7.40M7.71M7.54M7.45M5.73M2.38M2.37M2.34M
Interest Expenses 17.77M16.27M15.88M14.76M15.66M15.85M15.28M13.60M12.77M12.62M11.98M9.50M5.71M5.53M5.33M3.13M2.94M2.89M2.83M2.61M2.65M2.92M3.02M2.88M2.80M2.86M2.75M2.68M3.39M4.09M3.61M3.78M4.16M4.71M5.03M5.82M6.05M7.37M7.31M6.94M5.24M4.53M4.17M3.71M3.25M3.06M2.99M2.82M3.03M5.48M11.76M14.85M22.34M29.77M37.14M
Interest Income - Net 43.28M46.32M46.13M45.52M54.19M54.57M55.13M53.91M57.77M58.77M59.97M58.42M58.43M60.60M60.64M60.11M61.17M61.39M61.76M59.84M61.23M62.36M64.99M66.88M68.31M68.46M70.25M67.27M78.03M84.39M85.98M84.62M86.85M86.20M87.39M86.86M88.30M91.28M92.74M90.05M91.95M92.97M93.43M93.95M92.11M92.61M95.74M94.87M103.14M110.39M112.22M111.03M109.28M107.79M109.19M
Non-interest income
Interest Income - Total 41.46M44.92M44.20M44.47M53.14M53.52M53.54M52.27M55.62M56.13M57.30M57.03M57.11M58.51M57.45M59.11M59.27M59.65M59.23M59.22M60.64M60.46M61.66M65.54M66.00M66.67M67.61M65.45M76.57M82.08M80.60M80.94M84.40M83.98M84.89M84.44M86.90M89.53M89.88M84.46M82.18M91.02M96.53M99.67M96.44M93.56M93.58M93.97M97.10M105.33M109.45M107.53M108.53M104.91M105.12M
Financial Services Fees 7.90M7.26M7.20M8.18M7.85M7.68M7.88M8.97M8.66M8.91M9.40M9.77M9.40M9.40M
Service Charges 10.52M11.18M10.32M9.69M10.49M11.13M11.03M10.37M11.04M12.06M12.60M11.60M12.35M12.70M12.71M12.26M13.17M13.83M13.50M12.47M13.21M13.46M13.61M13.73M15.01M14.89M14.96M14.71M16.66M18.42M18.11M19.18M18.96M16.13M16.12M15.86M16.00M16.92M16.82M16.28M12.18M14.26M14.65M14.08M14.24M15.44M15.45M16.16M16.14M17.45M17.11M12.90M13.69M14.03M22.45M
Investment Gain (Loss) 52.30M
Mortgage Banking 0.79M1.63M1.50M0.73M0.99M0.90M1.41M0.77M1.04M1.02M1.67M1.52M1.19M1.61M1.87M1.15M1.05M0.80M2.04M1.06M1.58M1.60M2.86M1.44M1.16M1.41M1.70M1.20M1.24M1.16M1.54M-0.37M1.33M0.93M1.08M1.01M0.92M1.38M3.91M-0.90M0.85M0.98M1.00M0.84M0.74M0.87M0.91M2.12M3.26M4.05M3.45M-4.45M
Other Non-Interest Income 1.57M-2.70M88.44M-2.56M22.75M23.22M22.41M23.47M23.70M25.86M26.22M26.11M27.10M27.59M21.38M28.35M29.67M31.07M-85.19M29.05M2.29M2.66M4.71M2.67M2.97M2.92M3.62M3.18M3.04M3.22M7.31M4.75M2.62M3.27M-5.54M3.90M2.87M3.23M-2.90M0.41M2.09M2.72M4.70M1.97M1.11M2.70M3.19M2.16M2.15M2.69M1.21M0.59M1.90M1.90M3.60M
Non-Interest Income 21.72M22.91M21.78M20.84M22.77M23.22M22.40M23.47M23.70M25.86M26.22M26.11M27.10M27.59M21.38M28.35M29.67M31.07M29.93M29.05M29.72M31.39M33.15M38.28M38.77M39.95M38.62M44.32M51.23M52.94M53.94M57.49M56.56M55.79M54.22M55.70M60.71M57.09M57.12M58.62M52.94M59.66M57.20M58.53M59.46M64.31M63.94M65.67M64.10M65.25M63.71M13.49M65.98M67.59M67.77M
Operating Items
Amortization - Intangibles 5.45M5.58M5.71M5.76M5.74M5.44M5.42M5.60M6.02M6.04M5.87M5.59M5.16M5.13M5.08M5.08M5.26M5.17M4.94M4.80M4.80M4.79M4.61M4.51M4.58M4.27M4.15M4.01M4.26M4.95M4.96M4.80M4.55M4.43M4.38M4.13M3.90M3.96M3.96M3.67M3.52M3.58M3.52M3.35M3.25M3.70M3.75M3.73M3.85M3.84M3.79M3.67M3.71M3.58M3.56M
Research & Development 5.11M5.43M4.87M4.77M5.18M5.33M5.25M5.58M5.82M6.08M6.19M6.74M6.60M7.00M6.85M6.80M7.25M7.47M7.76M6.99M7.47M7.64M8.32M8.41M8.73M8.74M8.62M8.52M10.39M9.31M9.35M8.74M10.21M10.51M9.63M9.40M10.40M10.68M10.93M10.41M10.83M12.10M12.41M12.39M12.77M12.97M12.88M12.66M13.61M14.18M13.64M13.13M14.29M15.48M14.69M
Wages, Salaries and Other 22.94M23.06M22.90M23.11M25.53M26.54M27.09M27.43M26.84M28.13M29.64M30.48M30.29M30.45M30.41M30.74M30.41M30.94M30.99M31.03M31.01M31.18M33.14M39.14M37.95M38.30M41.01M42.91M46.56M48.43M49.01M51.86M52.40M51.06M52.04M53.38M54.01M56.06M56.47M58.25M54.72M57.28M58.13M57.63M57.89M62.88M63.09M61.65M65.40M66.19M64.10M71.49M68.03M70.69M71.59M
Rent Expense 6.22M5.58M5.52M6.06M6.25M6.10M6.09M6.46M6.13M6.54M6.67M7.07M6.75M6.45M6.78M7.69M6.92M6.62M6.72M7.39M6.84M6.65M6.70M7.66M7.41M7.37M7.63M8.20M8.64M9.11M9.62M10.53M9.44M9.77M10.21M10.29M9.62M9.80M10.14M10.74M9.75M10.13M10.11M11.30M10.27M9.87M9.80M10.95M10.42M10.36M10.67M11.02M10.45M10.36M10.71M
Restructuring Costs 0.06M0.60M0.69M3.62M0.38M0.14M0.26M0.16M4.80M0.53M0.01M0.07M2.10M0.12M2.80M-2.80M0.40M0.36M0.56M5.72M0.08M0.26M0.00M1.36M1.72M22.90M0.58M0.81M-0.01M0.07M-0.83M0.53M1.20M6.10M0.81M0.40M3.40M2.95M0.40M0.03M0.00M0.10M0.57M0.30M4.00M0.41M0.32M0.06M-0.00M5.74M
Other Operating Expenses 32.85M33.29M33.13M16.52M36.08M36.28M36.36M37.10M37.26M38.66M43.51M40.75M41.03M41.53M41.54M41.30M41.00M41.92M44.99M24.30M24.77M25.35M23.08M24.36M31.86M32.71M30.63M55.14M27.71M35.53M72.06M67.07M66.39M44.31M42.41M68.43M40.33M40.70M53.36M72.11M41.78M43.47M46.81M69.53M50.68M46.84M44.92M75.90M48.59M49.02M50.31M89.84M88.30M90.67M97.95M
Operating Expenses 44.19M44.35M44.12M43.32M51.13M48.09M47.84M49.40M49.37M56.09M56.90M54.55M54.38M55.04M57.28M55.92M55.16M58.81M56.68M55.95M56.05M56.08M64.98M67.67M66.36M66.23M66.60M73.58M102.88M83.78M86.92M86.33M86.11M85.23M87.61M88.65M91.18M96.93M95.27M93.66M90.90M96.97M95.00M93.25M93.54M100.44M100.91M99.81M110.42M108.19M105.85M114.05M113.04M116.50M129.09M
EBIT 36.76M39.76M37.74M36.76M40.44M44.50M43.38M39.93M42.72M38.52M38.61M38.09M35.54M36.59M26.87M34.67M36.71M34.80M35.30M34.93M36.96M38.69M32.84M39.03M41.22M43.26M42.38M38.87M28.31M55.34M51.23M55.88M59.00M59.25M56.53M57.30M62.48M57.06M59.04M56.36M49.45M58.24M62.90M68.67M65.61M60.48M59.59M62.66M53.81M67.88M79.07M21.82M83.82M85.76M80.93M
Non-operating items
Other Non Operating Income -47.78M-15.72M-23.84M-0.32M0.24M
Net income details
EBT 18.99M23.49M21.86M22.00M24.78M28.65M28.10M26.33M29.94M25.91M26.63M28.59M29.83M31.06M21.55M31.54M33.77M31.91M32.47M32.31M34.31M35.76M29.83M36.15M38.42M40.40M39.63M36.19M24.91M51.25M47.62M52.10M54.84M54.54M51.50M51.48M56.43M49.69M51.74M49.42M44.21M53.71M58.73M64.96M62.36M57.43M56.60M59.83M50.78M62.40M67.31M6.97M61.47M55.99M43.80M
Tax Provisions 4.98M6.22M5.97M5.84M6.79M8.64M9.12M7.50M8.87M7.54M7.82M8.35M8.71M9.07M6.07M9.37M10.10M9.54M9.34M10.02M10.47M10.74M9.76M11.75M12.56M13.24M13.24M9.93M7.72M16.00M-2.51M12.00M10.24M11.44M10.67M9.54M11.41M10.47M8.85M9.29M8.96M10.90M12.25M12.11M14.42M12.09M13.04M12.78M10.97M13.71M14.78M1.18M13.18M11.86M10.09M
Profit After Tax 14.00M17.26M15.89M16.16M17.99M20.01M18.99M18.83M21.07M18.37M18.80M20.24M21.12M21.99M15.48M22.17M23.68M22.37M23.13M22.30M23.84M25.02M20.07M24.40M25.86M27.16M26.39M26.26M17.19M35.24M72.03M40.11M44.61M43.11M40.82M41.95M45.02M39.22M42.88M40.13M35.25M42.81M46.48M52.85M47.94M45.34M43.56M47.05M39.80M48.69M52.53M5.80M48.29M44.13M33.71M
Equity Income -0.02M0.74M-0.07M0.03M-0.01M0.01M-0.01M-0.03M0.01M-0.01M0.02M0.02M-0.01M0.00M0.00M-0.02M-0.00M-0.02M-0.05M-0.05M0.05M
Net Income - Minority -3.32M-3.23M-3.20M-3.10M-3.10M-3.00M
Income from Continuing Operations 14.00M17.26M15.89M16.16M17.99M20.01M18.99M18.83M21.07M18.37M18.80M20.24M21.12M21.99M15.48M22.17M23.68M22.37M23.13M22.30M23.84M25.02M20.07M24.40M25.86M27.16M26.39M26.26M17.19M35.24M50.12M40.11M44.61M43.11M40.82M41.95M45.02M39.22M42.88M40.13M35.25M42.81M46.48M52.85M47.94M45.34M43.56M47.05M39.80M48.69M52.53M5.80M48.29M44.13M33.71M
Consolidated Net Income 14.00M17.26M15.89M16.16M17.99M20.01M18.99M18.83M21.07M18.37M18.80M20.24M21.12M21.99M15.48M22.17M23.68M22.37M23.13M22.30M23.84M25.02M20.07M24.40M25.86M27.16M26.39M26.26M17.19M35.24M50.12M40.11M44.61M43.11M40.82M41.95M45.02M39.22M42.88M40.13M35.25M42.81M46.48M52.85M47.94M45.34M43.56M47.05M39.80M48.69M52.53M5.80M48.29M44.13M33.71M
Income towards Parent Company 14.00M17.26M15.89M16.16M17.99M20.01M18.99M18.83M21.07M18.37M18.80M20.24M21.12M21.99M15.48M22.17M23.68M22.37M23.13M22.30M23.84M25.02M16.75M24.40M25.86M27.16M23.16M26.26M17.19M35.24M46.92M40.11M44.61M43.11M37.72M41.95M45.02M39.22M39.78M40.13M35.25M42.81M43.48M52.85M47.94M45.34M43.56M47.05M39.80M48.69M52.53M5.80M48.29M44.13M33.71M
Preferred Dividend Payments 0.13M0.10M
Net Income towards Common Stockholders 14.00M17.26M15.89M16.16M16.03M20.01M18.99M18.83M18.72M18.37M18.80M20.24M21.12M21.99M15.48M22.17M23.68M22.37M23.13M22.30M23.84M25.02M16.75M24.40M25.86M27.16M23.16M26.26M17.19M35.24M46.92M40.11M44.61M43.11M37.72M41.95M45.02M39.22M39.78M40.13M35.25M42.81M43.48M52.85M47.94M45.34M43.56M47.05M39.80M48.69M52.53M5.80M48.29M44.13M33.71M
Additional items
EPS (Basic) 0.420.520.480.480.490.540.510.490.530.460.470.510.530.550.380.550.580.550.570.550.580.610.470.550.580.610.590.580.350.691.450.780.870.840.790.810.870.760.820.770.670.800.870.980.890.840.810.870.740.900.970.110.900.820.63
EPS (Weighted Average and Diluted) 0.420.510.470.480.490.540.510.480.530.460.470.500.520.540.380.540.570.540.570.540.580.600.470.550.580.610.580.570.350.681.430.780.860.830.780.800.860.750.820.760.660.790.860.970.880.830.800.860.730.900.970.110.890.820.63
Shares Outstanding (Weighted Average) 40.36M40.60M41.10M44.38M
EBITDA 36.76M39.76M37.74M36.76M40.44M44.50M43.38M39.93M42.72M38.52M38.61M38.09M35.54M36.59M26.87M34.67M36.71M34.80M35.30M34.93M36.96M38.69M32.84M39.03M41.22M43.26M42.38M38.87M28.31M55.34M51.23M55.88M59.00M59.25M56.53M57.30M62.48M57.06M59.04M56.36M49.45M58.24M62.90M68.67M65.61M60.48M59.59M62.66M53.81M67.88M79.07M21.82M83.82M85.76M80.93M
Tax Rate 26.25%26.50%27.29%26.54%27.41%30.16%32.44%28.50%29.63%29.10%29.38%29.20%29.20%29.20%28.17%29.70%29.89%29.89%28.75%31.00%30.51%30.04%32.72%32.50%32.69%32.77%33.40%27.44%31.00%31.23%23.03%18.67%20.97%20.73%18.52%20.23%21.07%17.11%18.79%20.28%20.30%20.85%18.64%23.12%21.06%23.03%21.35%21.61%21.97%21.96%16.85%21.44%21.18%23.04%