Community Financial System, Inc. (FRA:CBY)

FRA:CBY Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	586.59	545.77	445.17	335.08	308.36	314.78
Interest Income on Investments	101.15	97.76	96.22	108.65	79.07	74.5
Total Interest Income	687.74	643.53	541.39	443.73	387.42	389.28
Interest Paid on Deposits	159.75	159.52	85.34	15.04	11.63	16.76
Interest Paid on Borrowings	34.89	34.89	18.77	8.06	1.38	4.11
Total Interest Expense	194.64	194.41	104.1	23.1	13.01	20.88
Net Interest Income	493.1	449.12	437.29	420.63	374.41	368.4
Net Interest Income Growth (YoY)	12.49%	2.71%	3.96%	12.34%	1.63%	2.57%
Trust Income	37.37	36.67	31.94	31.67	33.24	27.88
Mortgage Banking Activities	3.9	4.42	0.6	0.39	1.77	5.3
Gain (Loss) on Sale of Investments	0.73	0.74	-52.38	-0.04	0.02	-0.01
Other Non-Interest Income	194.78	188.74	171.37	159.86	151.99	137.45
Total Non-Interest Income	305.75	297.19	214.59	258.73	246.24	228
Non-Interest Income Growth (YoY)	5.93%	38.49%	-17.06%	5.07%	8.00%	-1.14%
Revenues Before Loan Losses	798.84	746.3	651.88	679.36	620.65	596.4
Provision for Loan Losses	22.58	22.77	11.2	14.77	-8.84	14.21
Revenue	776.26	723.53	640.67	664.58	629.49	582.19
Revenue Growth (YoY)	9.90%	12.93%	-3.60%	5.58%	8.12%	0.14%
Salaries and Employee Benefits	294.14	286.68	266	243.14	228.8	216.08
Occupancy Expenses	35.88	32.94	33.06	33.67	32.65	31.31
Amortization of Goodwill & Intangibles	13.55	14.26	14.51	15.21	14.05	14.3
Selling, General & Administrative	126.79	118.04	114.53	104.15	93.34	88.55
Other Non-Interest Expense	37.09	34.11	32.78	23.37	18.5	18.42
Total Non-Interest Expense	507.46	486.03	460.88	419.55	387.34	368.65
EBT Excluding Unusual Items	268.81	237.5	179.8	245.04	242.15	213.54
Legal Settlements	-0.14	-0.14	-5.8	-	0.1	-2.95
Other Unusual Items	-0.44	-0.44	-4.54	0.3	-0.2	0.42
Pretax Income	268.01	236.71	168.23	240.31	241.35	206.08
Income Tax Expense	62.19	54.22	36.31	52.23	51.65	41.4
Net Income	205.83	182.48	131.92	188.08	189.69	164.68
Preferred Dividends & Other Adjustments	0.74	0.74	0.45	0.53	0.45	0.51
Net Income to Common	205.09	181.74	131.48	187.55	189.25	164.16
Net Income Growth	23.70%	38.32%	-29.86%	-0.85%	15.19%	-2.60%
Basic Shares Outstanding	53	53	54	54	54	53
Diluted Shares Outstanding	53	53	54	54	54	53
Shares Change (YoY)	-0.33%	-1.57%	-0.89%	-0.35%	2.02%	2.05%
EPS (Basic)	3.90	3.44	2.45	3.48	3.51	3.10
EPS (Diluted)	3.88	3.44	2.45	3.46	3.48	3.08
EPS Growth	24.07%	40.41%	-29.19%	-0.57%	12.99%	-4.64%
Dividend Per Share	1.850	1.820	1.780	1.740	1.700	1.660
Dividend Growth	2.21%	2.25%	2.30%	2.35%	2.41%	5.06%
Effective Tax Rate	23.20%	22.91%	21.58%	21.73%	21.40%	20.09%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.