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REGULATORY MATTERS (Tables)
12 Months Ended
Dec. 31, 2020
REGULATORY MATTERS  
Capital Ratios and Amounts

For capital adequacy

To be well-capitalized

 

For capital adequacy

purposes plus Capital

under prompt

 

Actual

purposes

Conservation Buffer

corrective action

 

(000’s omitted)

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

Community Bank System, Inc.:

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

2020

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Tier 1 Leverage ratio

$

1,314,864

 

10.16

%  

$

517,736

 

4.00

%  

 

$

647,169

 

5.00

%  

Tier 1 risk-based capital

 

1,314,864

 

18.99

%  

 

415,472

 

6.00

%  

$

588,585

 

8.50

%  

553,962

 

8.00

%

Total risk-based capital

 

1,375,704

 

19.87

%  

 

553,962

 

8.00

%  

 

727,075

 

10.50

%  

692,453

 

10.00

%

Common equity tier 1 capital

 

1,239,754

 

17.90

%  

 

311,604

 

4.50

%  

 

484,717

 

7.00

%  

450,094

 

6.50

%

2019

 

 

  

 

 

  

 

 

  

 

 

  

Tier 1 Leverage ratio

$

1,148,336

 

10.80

%  

$

425,431

 

4.00

%  

 

$

531,788

 

5.00

%  

Tier 1 risk-based capital

 

1,148,336

 

17.23

%  

 

399,834

 

6.00

%  

$

566,432

 

8.50

%  

533,112

 

8.00

%

Total risk-based capital

 

1,198,724

 

17.99

%  

 

533,112

 

8.00

%  

 

699,710

 

10.50

%  

666,390

 

10.00

%

Common equity tier 1 capital

 

1,073,281

 

16.11

%  

 

299,876

 

4.50

%  

 

466,473

 

7.00

%  

433,154

 

6.50

%

Community Bank, N.A.:

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

2020

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Tier 1 Leverage ratio

$

1,028,285

 

7.98

%  

$

515,552

 

4.00

%  

 

$

644,440

 

5.00

%  

Tier 1 risk-based capital

 

1,028,285

 

14.98

%  

 

411,880

 

6.00

%  

$

583,497

 

8.50

%  

549,174

 

8.00

%

Total risk-based capital

 

1,089,125

 

15.87

%  

 

549,174

 

8.00

%  

 

720,791

 

10.50

%  

686,467

 

10.00

%

Common equity tier 1 capital

 

1,028,175

 

14.98

%  

 

308,910

 

4.50

%  

 

480,527

 

7.00

%  

446,204

 

6.50

%

2019

 

 

  

 

 

  

 

  

 

  

 

 

  

Tier 1 Leverage ratio

$

910,364

 

8.61

%  

$

422,882

 

4.00

%  

 

$

528,603

 

5.00

%  

Tier 1 risk-based capital

 

910,364

 

13.79

%  

 

396,064

 

6.00

%  

$

561,091

 

8.50

%  

528,086

 

8.00

%

Total risk-based capital

 

960,752

 

14.55

%  

 

528,086

 

8.00

%  

 

693,113

 

10.50

%  

660,107

 

10.00

%

Common equity tier 1 capital

 

910,309

 

13.79

%  

 

297,048

 

4.50

%  

 

462,075

 

7.00

%  

429,070

 

6.50

%