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, insurance and wealth management 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 the summary of significant accounting policies in the 2016 Annual Report on Form 10-K.



As of and for the three months ended September 30, 2017
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	57,772	$	0	$	0	$	0		$	57,772
Interest expense	6,772		0		0		0			6,772
Net interest income	51,000		0		0		0			51,000
Provision for loan and lease losses	402		0		0		0			402
Noninterest income	5,795		7,729		4,130		(452		)	17,202
Noninterest expense	32,876		6,204		3,255		(452		)	41,883
Income before income tax expense	23,517		1,525		875		0			25,917
Income tax expense	7,635		572		284		0			8,491
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	15,882		953		591		0			17,426
Less: Net income attributable to noncontrolling interests	32		0		0		0			32
Net Income attributable to Tompkins Financial Corporation	$	15,850	$	953	$	591	$	0		$	17,394

Depreciation and amortization	$	1,963	$	64	$	14	$	0		$	2,041
Assets	6,479,292		40,791		16,579		(12,602		)	6,524,060
Goodwill	64,370		19,710		8,211		0			92,291
Other intangibles, net	5,474		3,979		297		0			9,750
Net loans and leases	4,452,475		0		0		0			4,452,475
Deposits	4,955,033		0		0		(11,089		)	4,943,944
Total Equity	544,417		31,615		13,836		0			589,868



As of and for the three months ended September 30, 2016
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	51,077	$	0	$	0	$	0		$	51,077
Interest expense	5,760		0		0		0			5,760
Net interest income	45,317		0		0		0			45,317
Provision for loan and lease losses	782		0		0		0			782
Noninterest income	6,335		7,862		4,004		(296		)	17,905
Noninterest expense	31,337		6,281		3,002		(296		)	40,324
Income before income tax expense	19,533		1,581		1,002		0			22,116
Income tax expense	5,964		642		339		0			6,945
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	13,569		939		663		0			15,171
Less: Net income attributable to noncontrolling interests	33		0		0		0			33
Net Income attributable to Tompkins Financial Corporation	$	13,536	$	939	$	663	$	0		$	15,138

Depreciation and amortization	$	1,587	$	87	$	19	$	0		$	1,693
Assets	6,056,855		39,618		14,366		(8,624		)	6,102,215
Goodwill	64,370		20,042		8,211		0			92,623
Other intangibles, net	6,778		4,748		376		0			11,902
Net loans and leases	4,055,435		0		0		0			4,055,435
Deposits	4,698,847		0		0		(8,547		)	4,690,300
Total Equity	518,707		30,780		11,703		0			561,190



For the nine months ended September 30, 2017
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	167,735	$	1	$	0	$	(1	)	$	167,735
Interest expense	18,401		0		0		(1		)	18,400
Net interest income	149,334		1		0		0			149,335
Provision for loan and lease losses	2,147		0		0		0			2,147
Noninterest income	18,917		22,177		12,056		(1,258		)	51,892
Noninterest expense	98,182		18,343		9,552		(1,258		)	124,819
Income before income tax expense	67,922		3,835		2,504		0			74,261
Income tax expense	21,816		1,475		836		0			24,127
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	46,106		2,360		1,668		0			50,134
Less: Net income attributable to noncontrolling interests	97		0		0		0			97
Net Income attributable to Tompkins Financial Corporation	$	46,009	$	2,360	$	1,668	$	0		$	50,037

Depreciation and amortization	$	5,402	$	221	$	43	$	0		$	5,666



For the nine months ended September 30, 2016
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	150,803	$	1	$	0	$	(1	)	$	150,803
Interest expense	16,541		1		0		(1		)	16,541
Net interest income	134,262		0		0		0			$	134,262
Provision for loan and lease losses	2,615		0		0		0			2,615
Noninterest income	18,468		23,017		11,870		(863		)	52,492
Noninterest expense	92,357		18,780		8,944		(863		)	119,218
Income before income tax expense	57,758		4,237		2,926		0			$	64,921
Income tax expense	17,906		1,719		976		0			20,601
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	39,852		2,518		1,950		0			$	44,320
Less: Net income attributable to noncontrolling interests	98		0		0		0			98
Net Income attributable to Tompkins Financial Corporation	$	39,754	$	2,518	$	1,950	$	0		$	44,222
										0
Depreciation and amortization	$	4,724	$	269	$	56	$	0		$	5,049