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 2017 Annual Report on Form 10-K.



As of and for the three months ended September 30, 2018
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	63,984	$	1	$	0	$	(1	)	$	63,984
Interest expense	10,822		0		0		(1		)	10,821
Net interest income	53,162		1		0		0			53,163
Provision for loan and lease losses	272		0		0		0			272
Noninterest income	6,777		7,998		4,345		(517		)	18,603
Noninterest expense	36,077		6,397		3,176		(517		)	45,133
Income before income tax expense	23,590		1,602		1,169		0			26,361
Income tax expense	4,737		422		268		0			5,427
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	18,853		1,180		901		0			20,934
Less: Net income attributable to noncontrolling interests	32		0		0		0			32
Net Income attributable to Tompkins Financial Corporation	$	18,821	$	1,180	$	901	$	0		$	20,902

Depreciation and amortization	$	2,252	$	56	$	11	$	0		$	2,319
Assets	6,697,701		41,910		19,703		(12,354		)	6,746,960
Goodwill	64,370		19,702		8,211		0			92,283
Other intangibles, net	4,415		3,345		229		0			7,989
Net loans and leases	4,761,351		0		0		0			4,761,351
Deposits	5,036,934		0		0		(11,852		)	5,025,082
Total Equity	548,330		33,248		17,566		0			599,144



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



Nine months ended September 30, 2018
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	186,267	$	2	$	0	$	(2	)	$	186,267
	27,705		0		0		(2		)	27,703
Net interest income	158,562		2		0		0			158,564
Provision for loan and lease losses	1,884		0		0		0			1,884
Noninterest income	23,131		22,974		12,960		(1,474		)	57,591
Noninterest expense	107,120		18,918		9,275		(1,474		)	133,839
Income before income tax expense	72,689		4,058		3,685		0			80,432
Income tax expense	15,040		1,046		853		0			16,939
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	57,649		3,012		2,832		0			63,493
Less: Net income attributable to noncontrolling interests	96		0		0		0			96
Net Income attributable to Tompkins Financial Corporation	$	57,553	$	3,012	$	2,832	$	0		$	63,397

Depreciation and amortization	$	6,727	$	174	$	36	$	0		$	6,937



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