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REGULATORY MATTERS (Tables)
12 Months Ended
Dec. 31, 2021
REGULATORY MATTERS  
Schedule of 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.:

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

2021

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Tier 1 Leverage ratio

$

1,331,368

 

9.09

%  

$

585,594

 

4.00

%  

 

$

731,993

 

5.00

%  

Tier 1 risk-based capital

 

1,331,368

 

18.60

%  

 

429,559

 

6.00

%  

$

608,542

 

8.50

%  

572,746

 

8.00

%

Total risk-based capital

 

1,380,458

 

19.28

%  

 

572,746

 

8.00

%  

 

751,729

 

10.50

%  

715,932

 

10.00

%

Common equity tier 1 capital

 

1,331,259

 

18.60

%  

 

322,169

 

4.50

%  

 

501,152

 

7.00

%  

465,356

 

6.50

%

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

%

Community Bank, N.A.:

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

2021

 

  

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Tier 1 Leverage ratio

$

1,058,091

 

7.26

%  

$

582,631

 

4.00

%  

 

$

728,289

 

5.00

%  

Tier 1 risk-based capital

 

1,058,091

 

14.92

%  

 

425,393

 

6.00

%  

$

602,640

 

8.50

%  

567,190

 

8.00

%

Total risk-based capital

 

1,107,181

 

15.62

%  

 

567,190

 

8.00

%  

 

744,437

 

10.50

%  

708,988

 

10.00

%

Common equity tier 1 capital

 

1,057,982

 

14.92

%  

 

319,045

 

4.50

%  

 

496,292

 

7.00

%  

460,842

 

6.50

%

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

%