Vitals
  • Total Assets
    1.7B 5.9 %
  • Total Deposits
    1.5B 7.0 %
  • Total Net Loans
    1.2B 6.5 %
  • Net Income
    7.0M -3.8 %
  • Book Value
    139.8M 3.8 %
  • Book Value x2
    279.7M 3.8 %
  • Book Value x3
    419.5M 3.8 %
ROAA

.565

ROAE

6.802

Efficiency Ratio

78.252

Net Interest Margin

3.375

Balance Sheet Highlights
Financial Highlights Chemung Canal Trust Company All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 1,726,712 2,361,576
Total Net Loans 1,201,360 1,418,975
Total Deposits 1,512,337 1,902,330
Total Equity 139,847 271,278
Profitability
Net Income 6,994 11,608
Return on Average Assets .565 .762
Return on Average Equity 6.802 7.401
Net Interest Margin 3.375 3.191
Efficiency Ratio 78.252 66.438
Noninterest Income/Revenue 25.821 17.093
Balance Sheet Ratios
Loan-to-Deposit 79.437 73.021
Securities/Assets .177 .143
Total Equity/Total Assets .081 .115
Tangible Equity/Tangible Assets .066 .109
Capital Adequacy
Tier 1 Common Capital 123,996 217,925
Tier 1 Capital 123,996 218,485
Tier 2 Capital 15,161 11,478
Total Capital 139,157 236,717
Total Risk Weighted Assets 1,210,233 1,485,948
Leverage Ratio 7.54 10.214
Common Equity Tier 1 Capital Ratio 10.25 16.317
Tier 1 Capital Ratio 10.25 16.464
Total Capital Ratio 11.5 17.555

Timeline for Chemung Canal Trust Company

Capital Bank & Trust Company

Acquisition: Chemung Canal Trust Company acquired a new subsidiary, Capital Bank & Trust Company, 13 years

View Profile Apr 09 2011

Bank Of Canton

Acquisition: Chemung Canal Trust Company acquired a new subsidiary, Bank Of Canton, 14 years

View Profile May 30 2009

Chemung Financial Corporation

Chemung Financial Corporation became a new subsidiary organization for Chemung Canal Trust Company.

View Profile Dec 31 1998

Cctc Funding Corp.

Cctc Funding Corp. became a new subsidiary organization for Chemung Canal Trust Company.

View Profile Feb 25 1998

The Owego National Bank

Acquisition: Chemung Canal Trust Company acquired a new subsidiary, The Owego National Bank, 29 years

View Profile Jan 03 1995

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Complete timeline for Chemung Canal Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Capital Bank & Trust Company Seller 252,494 Acquisition Discontinued 4/9/2011
Bank Of Canton Seller 79,635 Acquisition Discontinued 5/30/2009
The Owego National Bank Seller 39,882 Discontinued 1/3/1995
Columbia Banking Federal Savings Association Seller 646,294 Failure 6/4/1994
Montour National Bank In Montour Falls Seller 7,815 Discontinued 5/1/1974
Relationships Role Relationship Start Relationship End
Chemung Financial Corporation Parent 6/1/1985
Cctc Funding Corp. Subsidary 6/30/2007
Cctc Funding Corp. Subsidary 2/25/1998 6/29/2007
Chemung Financial Corporation Subsidary 12/31/1999 8/31/2001
Chemung Financial Corporation Subsidary 12/31/1998 12/30/1999
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