CBU Q3 2022 EPS $0.90 (+8.4% YoY); record adjusted PPNR $1.25

COMMUNITY FINANCIAL SYSTEM, INC.

2022-Q3 EPS reported $2.49 revenue$800,000

GAAP and operating EPS of $0.90, up from $0.83 in Q3 2021; net income $48.7M.
Net interest income $110.4M, +19.2% YoY; NIM expanded 29 bps to 3.03%.
Loan growth of $398.9M (4.9% linked quarter) with increases in all five portfolios.
Provision for credit losses of $5.1M vs $0.9M benefit YoY on loan growth and weaker forecast.
Adjusted pre-tax pre-provision net revenue per share $1.25, a quarterly record, up 20.2% YoY.

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