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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	574.55	545.77	445.17	335.08	308.36	314.78
Interest Income on Investments	99.81	97.76	96.22	108.65	79.07	74.5
Total Interest Income	674.36	643.53	541.39	443.73	387.42	389.28
Interest Paid on Deposits	162.27	159.52	85.34	15.04	11.63	16.76
Interest Paid on Borrowings	34.41	34.89	18.77	8.06	1.38	4.11
Total Interest Expense	196.68	194.41	104.1	23.1	13.01	20.88
Net Interest Income	477.68	449.12	437.29	420.63	374.41	368.4
Net Interest Income Growth (YoY)	10.22%	2.71%	3.96%	12.34%	1.63%	2.57%
Trust Income	37.31	36.67	31.94	31.67	33.24	27.88
Mortgage Banking Activities	3.77	4.42	0.6	0.39	1.77	5.3
Gain (Loss) on Sale of Investments	0.34	0.74	-52.38	-0.04	0.02	-0.01
Other Non-Interest Income	194.62	188.74	171.37	159.86	151.99	137.45
Total Non-Interest Income	303.06	297.19	214.59	258.73	246.24	228
Non-Interest Income Growth (YoY)	8.22%	38.49%	-17.06%	5.07%	8.00%	-1.14%
Revenues Before Loan Losses	780.73	746.3	651.88	679.36	620.65	596.4
Provision for Loan Losses	24.72	22.77	11.2	14.77	-8.84	14.21
Revenue	756.01	723.53	640.67	664.58	629.49	582.19
Revenue Growth (YoY)	8.37%	12.93%	-3.60%	5.58%	8.12%	0.14%
Salaries and Employee Benefits	294.49	286.68	266	243.14	228.8	216.08
Occupancy Expenses	35.05	32.94	33.06	33.67	32.65	31.31
Amortization of Goodwill & Intangibles	13.66	14.26	14.51	15.21	14.05	14.3
Selling, General & Administrative	123.74	118.04	114.53	104.15	93.34	88.55
Other Non-Interest Expense	35.11	34.11	32.78	23.37	18.5	18.42
Total Non-Interest Expense	502.05	486.03	460.88	419.55	387.34	368.65
EBT Excluding Unusual Items	253.96	237.5	179.8	245.04	242.15	213.54
Legal Settlements	0.03	-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	251.88	236.71	168.23	240.31	241.35	206.08
Income Tax Expense	57.24	54.22	36.31	52.23	51.65	41.4
Net Income	194.64	182.48	131.92	188.08	189.69	164.68
Preferred Dividends & Other Adjustments	0.9	0.74	0.45	0.53	0.45	0.51
Net Income to Common	193.74	181.74	131.48	187.55	189.25	164.16
Net Income Growth	16.81%	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)	-0.91%	-1.57%	-0.89%	-0.35%	2.02%	2.05%
EPS (Basic)	3.68	3.44	2.45	3.48	3.51	3.10
EPS (Diluted)	3.67	3.44	2.45	3.46	3.48	3.08
EPS Growth	17.62%	40.41%	-29.19%	-0.57%	12.99%	-4.64%
Dividend Per Share	1.840	1.820	1.780	1.740	1.700	1.660
Dividend Growth	2.22%	2.25%	2.30%	2.35%	2.41%	5.06%
Effective Tax Rate	22.72%	22.91%	21.58%	21.73%	21.40%	20.09%

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