Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following table. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking and financial services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by any of the banks and the holding company. All other accounting policies are the same as those described in Note 1 “Summary of significant accounting policies” in this Report.



As of and for the year ended December 31, 2016
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	202,739	$	2	$	0	$	(2	)	$	202,739
Interest expense	22,105		0		0		(2		)	22,103
Net interest income	180,634		2		0		0			180,636
Provision for loan and lease losses	4,321		0		0		0			4,321
Noninterest income	24,402		29,741		15,842		(1,177		)	68,808
Noninterest expense	123,004		24,564		12,216		(1,177		)	158,607
Income before income tax expense	77,711		5,179		3,626		0			86,516
Income tax expense	23,928		1,906		1,211		0			27,045
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	53,783		3,273		2,415		0			59,471
Less: Net income attributable to noncontrolling interests	131		0		0		0			131
Net Income attributable to Tompkins Financial Corporation	$	53,652	$	3,273	$	2,415	$	0		$	59,340

Depreciation and amortization	$	6,401	$	353	$	75	$	0		$	6,829
Assets	6,190,824		38,988		15,403		(8,459		)	6,236,756
Goodwill	64,369		20,043		8,211		0			92,623
Other intangibles, net	6,433		4,560		356		0			11,349
Net loans and leases	4,222,278		0		0		0			4,222,278
Deposits	4,633,527		0		0		(8,388		)	4,625,139
Total equity	506,411		30,825		12,169		0			549,405



As of and for the year ended December 31, 2015
(in thousands)	Banking		Insurance		Wealth Management		Intercompany & Merger			Consolidated
Interest income	$	188,598	$	2	$	148	$	(2	)	$	188,746
Interest expense	20,367		0		0		(2		)	20,365
Net interest income	168,231		2		148		0			168,381
Provision for loan and lease losses	2,945		0		0		0			2,945
Noninterest income	27,096		29,818		16,037		(1,011		)	71,940
Noninterest expense	115,706		23,783		11,384		(1,011		)	149,862
Income before income tax expense	76,676		6,037		4,801		0			87,514
Income tax expense	24,923		2,416		1,623		0			28,962
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	51,753		3,621		3,178		0			58,552
Less: Net income attributable to noncontrolling interests	131		0		0		0			131
Net Income attributable to Tompkins Financial Corporation	$	51,622	$	3,621	$	3,178	$	0		$	58,421

Depreciation and amortization	$	5,985	$	367	$	116	$	0		$	6,468
Assets	5,646,459		36,625		13,951		(7,040		)	5,689,995
Goodwill	64,369		19,212		8,211		0			91,792
Other intangibles, net	7,820		4,187		441		0			12,448
Net loans and leases	3,740,038		0		0		0			3,740,038
Deposits	4,401,896		0		0		(6,590		)	4,395,306
Total equity	476,138		28,182		12,146		0			516,466



As of and for the year ended December 31, 2014
(in thousands)	Banking		Insurance		Wealth Management		Intercompany & Merger			Consolidated
Interest income	$	184,355	$	6	$	138	$	(6	)	$	184,493
Interest expense	20,687		2		0		(6		)	20,683
Net interest income	163,668		4		138		0			163,810
Provision for loan and lease losses	2,306		0		0		0			2,306
Noninterest income	27,418		28,620		16,072		(1,345		)	70,765
Noninterest expense	120,708		23,515		11,815		(1,345		)	154,693
Income before income tax expense	68,072		5,109		4,395		0			77,576
Income tax expense	21,890		2,052		1,462		0			25,404
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	46,182		3,057		2,933		0			52,172
Less: Net income attributable to noncontrolling interests	131		0		0		0			131
Net Income attributable to Tompkins Financial Corporation	$	46,051	$	3,057	$	2,933	$	0		$	52,041

Depreciation and amortization	5,296		271		143		0			$	5,710
Assets	5,226,145		34,040		13,779		(4,403		)	5,269,561
Goodwill	64,369		19,663		8,211		0			92,243
Other intangibles, net	9,301		4,827		521		0			14,649
Net loans and leases	3,364,291		0		0		0			3,364,291
Deposits	4,173,244		0		0		(4,090		)	4,169,154
Total equity	453,037		26,419		10,127		0			489,583