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, 2017
(in thousands)	Banking		Insurance		Wealth Management		Intercompany			Consolidated
Interest income	$	226,764	$	2	$	0	$	(2	)	$	226,764
Interest expense	25,462		0		0		(2		)	25,460
Net interest income	201,302		2		0		0			201,304
Provision for loan and lease losses	4,161		0		0		0			4,161
Noninterest income	25,498		29,106		16,345		(1,745		)	69,204
Noninterest expense	135,750		24,503		12,597		(1,745		)	171,105
Income before income tax expense	86,889		4,605		3,748		0			95,242
Income tax expense	39,731		1,705		1,184		0			42,620
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation	47,158		2,900		2,564		0			52,622
Less: Net income attributable to noncontrolling interests	128		0		0		0			128
Net Income attributable to Tompkins Financial Corporation	$	47,030	$	2,900	$	2,564	$	0		$	52,494

Depreciation and amortization	$	7,927	$	285	$	57	$	0		$	8,269
Assets	6,602,242		39,599		17,779		(11,330		)	6,648,290
Goodwill	64,369		19,711		8,211		0			92,291
Other intangibles, net	5,170		3,812		281		0			9,263
Net loans and leases	4,629,349		0		0		0			4,629,349
Deposits	4,848,654		0		0		(10,847		)	4,837,807
Total equity	530,386		31,083		14,733		0			576,202



As of and for the year ended December 31, 2016
(in thousands)	Banking		Insurance		Wealth Management		Intercompany & Merger			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