ANNUAL AND TRANSITIONAL REPORT

Company

COMMUNITY FINANCIAL SYSTEM, INC.

Filed

March 21, 2002

Period of Report

December 31, 2001

Accession Number

0000891554-02-001428

A 10-K is a company's comprehensive annual report, required by the SEC. It includes audited financial statements, a description of the business, risk factors, and management's discussion of results. Learn more about 10-K filings →