Community Bank System, Inc. (NYSE:CBU) Q1 2023 Results Conference Call April 25, 2023 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Dimitar Karaivanov - COO Conference Call Participants Alex Twerdahl - Piper Sandler Steve Moss - Raymond James Matthew Breese - Stephens Inc Chris O'Connell - KBW Operator Welcome to the Community Bank System First Quarter 2023 Earnings Conference Call. Please note that this presentation contains forward-looking statements withi ...

The allowance for credit losses increased to $61.1 million at the end of 2022 from $49.9 million as of year-end 2021. During 2022, economic forecasts weakened as high inflation and interest rate increases dampened economic activity. While unemployment remains low, the market has experienced a decline in housing and automobile prices. Inflation has put pressure on wages and reduced disposable income for consumers nationally. The Company recorded a provision for credit losses of $14.8 million during 2022 with ...

| --- | --- | |---------------------------------------------|-------| | | | | | | | 级 Community | | | BANK SYSTEM, INC. | | | | | | | | | | | | | | | | | | | RUARY | | | | | | | | Investor Presentation | | | | | | COMMUNITY BANK SYSTEM, INC. I NYSE: CBU | | Note Regarding Non‐GAAP Financial Measures About CBU Record of executing accretive acquisitions within and around Northeast banking footprint $3.4B market capitalization (at 12/30/22 share price of $62.95) • EXPERIENCED AND DISCIPLINED ACQUIRER Community ...

Matthew Breese So with that said, I think I'm not sure we're going to be netting up in the first quarter we hope we will. But we're putting in place our strategists to make sure that we are able to manage our funding. So as we sit here today, I would personally probably bet on, closer to flat and up in terms of our deposit base. Alex Twerdahl Thank you for taking my questions. Dimitar Karaivanov We have seen in terms of credit, normalization, I would call it still I would call it normalization towards the l ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-13695 (Exact name of registrant as specified in its charter) | --- | --- | |-------------------------------------- ...

Community Bank System, Inc. (NYSE:CBU) Q3 2022 Earnings Conference Call October 24, 2022 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Dimitar Karaivanov - EVP of Financial Services and Corporate Development Conference Call Participants Alex Twerdahl - Piper Sandler Eric Zwick - Hovde Group Chris O’Connell - KBW Matthew Breese - Stephens, Inc. Manuel Navas - D.A. Davidson Presentation Operator Welcome to the Community Bank System Third Quarter 2022 Earnings ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-13695 (Exact name of registrant as specified in its charter) | --- | --- | |--------------------------------------------- ...

Start Time: 11:00 January 1, 0000 12:02 PM ET Community Bank System, Inc. (NYSE:CBU) Q2 2022 Earnings Conference Call July 25, 2022, 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Conference Call Participants Alex Twerdahl - Piper Sandler Chris O’Connell - KBW Matthew Breese - Stephens, Inc. Manuel Navas - D.A. Davidson Operator Welcome to the Community Bank System's Second Quarter 2022 Earnings Conference Call. Please note that this presentation contains fo ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-13695 (Exact name of registrant as specified in its charter) 5790 Widewaters Parkway, DeWitt, New York (Address of pri ...

Community Bank System, Inc. (NYSE:CBU) Q1 2022 Earnings Conference Call April 25, 2022 11:00 AM ET Company Participants Mark Tryniski - President and Chief Executive Officer Joseph Sutaris - Executive Vice President and Chief Financial Officer Dimitar Karaivanov - Executive Vice President of Financial Services and Corporate Development Conference Call Participants Alexander Twerdahl - Piper Sandler Russell Gunther - D.A. Davidson Matthew Breese - Stephens, Inc. Christopher O'Connell - KBW Operator Good morn ...