Chemung Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	120.38	112.13	97.23	68.05	58.86
Interest Income on Investments	12.46	15.44	15.85	13.42	10.15
Total Interest Income	132.84	127.56	113.07	81.48	69.01
Interest Paid on Deposits	41.79	50.05	35.93	6.66	3.28
Interest Paid on Borrowings	3.89	3.45	2.69	0.64	0.14
Total Interest Expense	45.68	53.51	38.62	7.3	3.42
Net Interest Income	87.16	74.06	74.46	74.18	65.59
Net Interest Income Growth (YoY)	17.69%	-0.53%	0.38%	13.10%	4.24%
Trust Income	11.95	11.57	10.46	10.28	11.07
Gain (Loss) on Sale of Investments	-17.29	0.18	0.06	-0.35	0.25
Other Non-Interest Income	8.6	7.24	9.93	7.55	8.28
Total Non-Interest Income	7.95	23.23	24.55	21.44	23.87
Non-Interest Income Growth (YoY)	-65.80%	-5.37%	14.52%	-10.20%	13.00%
Revenues Before Loan Losses	95.1	97.29	99.01	95.62	89.46
Provision for Loan Losses	4.44	-0.05	3.26	-0.55	0.02
Revenue	90.67	97.34	95.74	96.17	89.44
Revenue Growth (YoY)	-6.85%	1.66%	-0.44%	7.52%	12.08%
Salaries and Employee Benefits	39	34.37	32.37	29.99	28.23
Occupancy Expenses	5.81	4.83	4.64	4.54	4.87
Federal Deposit Insurance	1.52	2.12	2.13	1.36	1.41
Amortization of Goodwill & Intangibles	-	-	-	0.02	0.24
Selling, General & Administrative	15.7	17.55	16.94	16.02	14.6
Other Non-Interest Expense	8.67	8.22	8.19	7.36	6.29
Total Non-Interest Expense	70.73	67.25	64.24	59.28	55.68
EBT Excluding Unusual Items	19.94	30.09	31.5	36.89	33.76
Pretax Income	19.94	30.09	31.5	36.89	33.76
Income Tax Expense	4.83	6.41	6.5	8.11	7.34
Net Income	15.1	23.67	25	28.78	26.43
Net Income to Common	15.1	23.67	25	28.78	26.43
Net Income Growth	-36.19%	-5.32%	-13.14%	8.92%	37.19%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	0.71%	0.80%	0.83%	0.21%	-2.48%
EPS (Basic)	3.14	4.96	5.28	6.13	5.64
EPS (Diluted)	3.14	4.96	5.28	6.13	5.64
EPS Growth	-36.64%	-6.07%	-13.86%	8.69%	40.72%
Dividend Per Share	1.320	1.240	1.240	1.240	1.190
Dividend Growth	6.45%	-	-	4.20%	14.42%
Effective Tax Rate	24.24%	21.32%	20.64%	21.97%	21.73%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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