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 June 30, 2017
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	56,342	$	0	$	0	$	0		$	56,342
Interest expense	6,041		0		0		0			6,041
Net interest income	50,301		0		0		0			50,301
Provision for loan and lease losses	976		0		0		0			976
Noninterest income	6,720		7,132		4,015		(417		)	17,450
Noninterest expense	32,819		6,059		3,107		(417		)	41,568
Income before income tax expense	23,226		1,073		908		0			25,207
Income tax expense	7,510		428		310		0			8,248
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	15,716		645		598		0			16,959
Less: Net income attributable to noncontrolling interests	33		0		0		0			33
Net Income attributable to Tompkins Financial Corporation	$	15,683	$	645	$	598	$	0		$	16,926

Depreciation and amortization	$	1,766	$	74	$	14	$	0		$	1,854
Assets	6,368,374		41,438		15,692		(10,492		)	6,415,012
Goodwill	64,370		19,710		8,211		0			92,291
Other intangibles, net	5,783		4,151		317		0			10,251
Net loans and leases	4,381,439		0		0		0			4,381,439
Deposits	4,761,017		0		0		(10,295		)	4,750,722
Total Equity	532,291		31,379		13,245		0			576,915



As of and for the three months ended June 30, 2016
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	50,417	$	0	$	0	$	0		$	50,417
Interest expense	5,510		0		0		0			5,510
Net interest income	44,907		0		0		0			44,907
Provision for loan and lease losses	978		0		0		0			978
Noninterest income	5,861		7,556		3,956		(289		)	17,084
Noninterest expense	30,645		6,160		2,872		(289		)	39,388
Income before income tax expense	19,145		1,396		1,084		0			21,625
Income tax expense	5,818		575		367		0			6,760
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	13,327		821		717		0			14,865
Less: Net income attributable to noncontrolling interests	32		0		0		0			32
Net Income attributable to Tompkins Financial Corporation	$	13,295	$	821	$	717	$	0		$	14,833

Depreciation and amortization	$	1,561	$	91	$	19	$	0		$	1,671
Assets	5,877,758		41,272		13,701		(7,825		)	5,924,906
Goodwill	64,370		20,361		8,211		0			92,942
Other intangibles, net	7,133		5,003		396		0			12,532
Net loans and leases	3,944,988		0		0		0			3,944,988
Deposits	4,477,266		0		0		(7,545		)	4,469,721
Total Equity	512,711		30,684		11,040		0			554,435



For the six months ended June 30, 2017
(in thousands)	Banking			Insurance			Wealth Management			Intercompany			Consolidated
Interest income	$	109,963		$	1		$	0		$	(1	)	$	109,963
Interest expense	11,628			0			0			0			11,628
Net interest income	98,335			1			0			(1		)	98,335
Provision for loan and lease losses	1,745			0			0			0			1,745
Noninterest income	13,123			14,448			7,925			(806		)	34,690
Noninterest expense	65,306			12,139			6,297			(806		)	82,936
Income before income tax expense	44,407		—	2,310		—	1,628		—	(1		)	48,344
Income tax expense	14,182			903			552			0			15,637
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	30,225		—	1,407		—	1,076		—	(1		)	32,707
Less: Net income attributable to noncontrolling interests	65			0			0			0			65
Net Income attributable to Tompkins Financial Corporation	$	30,160	—	$	1,407	—	$	1,076	—	$	(1	)	$	32,642

Depreciation and amortization	$	3,456		$	156		$	29		$	0		$	3,641



For the six months ended June 30, 2016
(in thousands)	Banking			Insurance			Wealth Management			Intercompany			Consolidated
Interest income	$	99,726		$	1		$	0		$	(1	)	$	99,726
Interest expense	10,781			1			0			(1		)	10,781
Net interest income	88,945			0			0			0			$	88,945
Provision for loan and lease losses	1,833			0			0			0			1,833
Noninterest income	12,132			15,155			7,866			(566		)	34,587
Noninterest expense	61,018			12,500			5,942			(566		)	78,894
Income before income tax expense	38,226		—	2,655		—	1,924		—	0			$	42,805
Income tax expense	11,943			1,076			637			0			13,656
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	26,283		—	1,579		—	1,287		—	0			$	29,149
Less: Net income attributable to noncontrolling interests	65			0			0			0			65
Net Income attributable to Tompkins Financial Corporation	$	26,218	—	$	1,579	—	$	1,287	—	$	0		$	29,084

Depreciation and amortization	$	3,136		$	182		$	38		$	0		$	3,356