Chemung Canal Trust Company
Elmira, NY — State Member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Chemung Canal Trust Company | All Insured Commercial Banks in New York |
| 09-30-2016 | 3.375 | 3.191 |
| 06-30-2016 | 3.391 | 3.187 |
| 03-31-2016 | 3.45 | 3.145 |
| 12-31-2015 | 3.466 | 3.147 |
| 09-30-2015 | 3.473 | 3.142 |
| 06-30-2015 | 3.469 | 3.142 |
| 03-31-2015 | 3.44 | 3.146 |
| 12-31-2014 | 3.585 | 3.226 |
| 09-30-2014 | 3.533 | 3.232 |
| 06-30-2014 | 3.511 | 3.199 |
| 03-31-2014 | 3.529 | 3.193 |
| 12-31-2013 | 3.911 | 3.203 |
| 09-30-2013 | 3.973 | 3.196 |
| 06-30-2013 | 3.998 | 3.196 |
| 03-31-2013 | 4.081 | 3.205 |
| 12-31-2012 | 4.133 | 3.354 |
| 09-30-2012 | 4.16 | 3.382 |
| 06-30-2012 | 4.178 | 3.388 |
| 03-31-2012 | 4.334 | 3.424 |
| 12-31-2011 | 4.043 | 3.492 |
| 09-30-2011 | 3.975 | 3.5 |
| 06-30-2011 | 3.942 | 3.484 |
| 03-31-2011 | 3.874 | 3.491 |
| 12-31-2010 | 3.898 | 3.486 |
| 09-30-2010 | 3.89 | 3.516 |
| 06-30-2010 | 3.889 | 3.497 |
| 03-31-2010 | 3.862 | 3.479 |
| 12-31-2009 | 3.976 | 3.401 |
| 09-30-2009 | 3.988 | 3.415 |
| 06-30-2009 | 4.018 | 3.352 |
| 03-31-2009 | 3.954 | 3.338 |
| 12-31-2008 | 4.127 | 3.461 |
| 09-30-2008 | 4.078 | 3.49 |
| 06-30-2008 | 4.028 | 3.471 |
| 03-31-2008 | 4.043 | 3.494 |
| 12-31-2007 | 3.788 | 3.639 |
| 09-30-2007 | 3.75 | 3.66 |
| 06-30-2007 | 3.721 | 3.643 |
| 03-31-2007 | 3.688 | 3.663 |
| 12-31-2006 | 3.781 | 3.733 |
| 09-30-2006 | 3.778 | 3.735 |
| 06-30-2006 | 3.762 | 3.771 |
| 03-31-2006 | 3.792 | 3.78 |
| 12-31-2005 | 3.841 | 3.805 |
| 09-30-2005 | 3.832 | 3.809 |
| 06-30-2005 | 3.797 | 3.795 |
| 03-31-2005 | 3.723 | 3.787 |
| 12-31-2004 | 3.749 | 3.715 |
| 09-30-2004 | 3.764 | 3.657 |
| 06-30-2004 | 3.736 | 3.678 |
| 03-31-2004 | 3.786 | 3.659 |
| 12-31-2003 | 3.842 | 3.735 |
| 09-30-2003 | 3.841 | 3.752 |
| 06-30-2003 | 3.843 | 3.811 |
| 03-31-2003 | 3.913 | 3.835 |
| 12-31-2002 | 4.047 | 4.072 |