Community Bank System (CBU) 10-K2003 FY Annual report

Filed: 12 Mar 04, 12:00am

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Legalese
Litigous
Readability	6th grade Avg

New words: absence, Ace, adhere, Annex, annum, ARB, arose, authoritative, background, Baker, Banc, Bankcorp, bill, Bradford, Brian, Bulletin, CAGR, career, challenged, challenging, chose, civil, collaboratively, complementary, Consent, contributor, converged, correlation, criminal, customary, departure, differential, difficult, directly, disciplined, Donahue, driver, drug, easily, escalated, exceptionally, exhausting, Expert, expertise, factor, faster, FHLMC, FICO, FIN, forward, FRB, frozen, gauging, Global, gradually, Grange, great, greatest, greatly, guarantor, Harbridge, Headquartered, healthcare, Heritage, human, incident, indexing, inevitable, influence, influenced, inherit, inherited, inresidential, insignificant, intense, intervening, IPD, issuer, leader, leading, LLC, LLP, lock, locked, lodging, mailed, manifested, manner, MBS, McCullough, McDaniel, medical, Medicare, medium, Middle, modified, Moody, narrative, NII, NJ, notice, numerical, oversee, paragraph, partner, PB, People, perspective, posted, posting, precise, predecessor, preliminarily, prescription, preservation, prevalent, problem, prolonged, prospective, prospectively, qualification, reaction, recession, reclassified, recover, recovery, recreational, referenced, Reg, reinitiated, release, repay, reproduced, Research, residual, Resource, rest, restaurant, resumed, robust, Sally, seek, stage, standby, Steele, steep, steeper, stimulate, stream, strive, study, subsidy, supplied, supply, surprisingly, suspension, Susquehanna, text, Timothy, traditional, traditionally, Tryniski, Tunkhannock, ultimate, unconditionally, unconsolidated, uncovered, uncured, uneven, unlisted, unregulated, unsecured, Valen, variance, vastly, venture, viable, VIE, waiver, weather, Westfield, wholesale, Wyoming

Removed: accepting, Addison, adequately, adjusting, advice, affiliating, agricultural, Albany, Alfred, Amt, apply, appointment, authority, automatic, averaging, BHCA, BIF, Boonville, Boston, bp, branching, broker, brokered, Buffalo, called, Canada, Canandaigua, capitalization, card, categorize, Cato, ceased, Central, charitable, charter, Clayton, Cleveland, closed, commenced, commit, compare, competition, ComuniCorp, conservator, consisting, convertible, counseling, creditor, criteria, critically, cushion, deem, define, depending, deplete, depository, distinct, domestic, dramatically, drawn, durable, electronic, Est, establish, examination, exceeded, excl, explicit, extension, facility, FDICIA, fed, FHC, Finally, Fiserv, foreign, Forge, formation, found, franchise, Gateway, Geneva, Gouverneur, guaranteed, Hammondsport, Hartford, heavy, horizon, hour, impacting, implement, impose, incidental, incl, injection, intended, interstate, intervention, invest, involvement, isolated, issue, ix, Lawban, lease, leasing, Listing, Lowville, marine, Massena, matrix, Mellon, mobile, mutual, naturally, NBT, Newark, Newspaper, nominal, nonaccruing, nonbank, noncancelleable, NONCASH, noncompliance, noninterest, nonperformance, nonperforming, nonpersonnel, nonrecurring, norm, Norwich, NYSE, occasional, occurring, Ohio, opened, Ottawa, overhead, Ovid, payroll, Penn, permissible, perpetual, Plaza, predominant, principle, prohibition, publicly, Pulaski, recapitalization, receivable, receiver, redeemed, REIT, rely, remained, renewed, representative, repricing, resolving, restoration, restrict, resultant, safe, safety, Salt, satisfactory, scrutiny, sell, sensitive, shortfall, situation, Street, subjecting, submit, subordinate, sum, supervisory, survivor, tactical, telephone, teller, tied, tighten, today, transferred, treated, typical, undercapitalized, uniform, Unrecognized, Utica, vi, vii, viii, Watertown, Wellsville, wire, work, xi, xii, Yan

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