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Profile - Community Bank System (NYSE:CBU)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 21Price hit new 52-week high ($29.85)
Upcoming Events
Oct 10Dividend payment of $0.27
Location
5790 Widewaters Parkway
DeWitt, NY 13214
Phone: (315) 445-7314
Fax: (315) 445-0904
Employees (last reported count): 716
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 18%
·Over the last 6 months:
 · one insider buy; 0  shares
·Institutional: 21% (25% of float)
(80 institutions)
·Net Inst. Selling: 71.0K shares (+3.03%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Community Bank System, Inc. is the holding company of Community Bank, N.A. based in DeWitt, New York. The Bank is the second largest commercial banking franchise headquartered in Upstate New York, having 89 customer facilities and 70 ATMs. The Bank offers a range of commercial and retail banking services in each of its market areas to business, individual, agricultural and government customers. The Bank's account services include checking accounts, interest-checking accounts, money market accounts, savings accounts, time deposit accounts, and individual retirement accounts. The Bank's lending activities include the making of residential and farm loans, business lines of credit, working capital facilities, inventory and dealer floor plans, as well as installment, commercial, term and student loans. The Bank also offers a range of trust services, including personal trust, employee benefit trust, investment management, financial planning and custodial services.
More from Market Guide: Expanded Business Description

Financial Summary
CBU is the bank holding company for Community Bank, NA, which operates 89 customer facilities and 70 ATMs in Upstate New York. For the six months ended 6/30/01, interest income rose 9% to $100.1 million. Net interest income after loan loss provision rose 3% to $43.5 million. Net income fell 39% to $7.9 million. Net interest income reflects acquisitions, partially offset by lower net interest margin. Lower income reflects a $5.5 million acquisition expense.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Sanford Belden, 58
Pres, CEO, Director
$868K
David Elias, 55
Pres, CEO, and Chief Investment Officer of Elias Management, Inc.
396K
Michael Patton, 55
Pres, Financial Services
227K
James Wears, 51
Pres, Banking
224K
David Wallace, 56
Treasurer of the Company; Exec. VP and CFO of the Bank
220K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NYSE:CBUAs of 31-Aug-2001
Price and Volume
52-Week Low
on 30-Nov-2000
$22.00 
Recent Price$27.95 
52-Week High
on 21-Aug-2001
$29.85 
Beta0.34 
Daily Volume (3-month avg)24.8K
Daily Volume (10-day avg)12.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+24.2%
52-Week Change
relative to S&P500
+66.7%
Share-Related Items
Market Capitalization$323.2M
Shares Outstanding11.6M
Float9.50M
Dividends & Splits
Annual Dividend (indicated)$1.08 
Dividend Yield3.86%
Last Split: 2 for 1 on 13-Mar-1997
Per-Share Data
Book Value (mrq)$20.28 
Earnings (ttm)$2.11 
Earnings (mrq)$0.18 
Sales (ttm)$18.76 
Cash (mrq)$5.65 
Valuation Ratios
Price/Book (mrq)1.38 
Price/Earnings (ttm)13.25 
Price/Sales (ttm)1.49 
Income Statements
Sales (ttm)$175.2M
EBITDAN/A 
Income available to common (ttm)$18.0M
Profitability
Profit Margin (ttm)10.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.77%
Return on Equity (ttm)10.65%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)1.50 
Total Cash (mrq)$65.3M
Short Interest
As of 8-Aug-2001
Shares Short16.0K
Percent of Float0.2%
Shares Short
(Prior Month)
16.0K
Short Ratio0.73 
Daily Volume22.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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