| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 31,033 | 29,435 | 28,099 | 28,611 |
| Taxable securities | 1,653 | 2,530 | 3,023 | 3,060 |
| Tax exempt securities | 80 | 214 | 251 | 250 |
| Interest-earning deposits | 1,118 | 855 | 325 | 441 |
| Total interest and dividend income | 33,884 | 33,034 | 31,698 | 32,362 |
| Deposits | 10,171 | 11,076 | 11,156 | 13,005 |
| Borrowed funds | 1,025 | 1,150 | 725 | 969 |
| Total interest expense | 11,196 | 12,226 | 11,881 | 13,974 |
| Net interest income | 22,688 | 20,808 | 19,817 | 18,388 |
| Provision (credit) for credit losses | 1,064 | 1,145 | 1,092 | 564 |
| Net interest income after provision for credit losses | 21,624 | 19,663 | 18,725 | 17,824 |
| Revenues from contracts with customer-Wealth Management Group Services Segment | 2,967 | 2,993 | - | - |
| Revenues from contracts with customer-Service Chargeon Deposits | 1,094 | 1,114 | - | - |
| Revenues from contracts with customer-Interchange Revenue | 1,073 | 1,110 | - | - |
| Net (losses) on securities transactions | 0 | -17,498 | - | - |
| Changes in fair value of equity investments | 136 | 108 | -47 | 118 |
| Revenues from contracts with customer | - | - | 5,024 | 5,130 |
| Net gains on sales of loans held for sale | 78 | 51 | 40 | 91 |
| Net gains (losses) on sales of other real estate owned | 0 | 3 | -11 | -19 |
| Income from bank-owned life insurance | 8 | 8 | 8 | 10 |
| Other | 732 | 1,406 | 875 | 589 |
| Total non-interest income | 6,088 | -10,705 | 5,889 | 5,919 |
| Salaries and wages | 7,925 | 7,579 | 7,209 | 7,168 |
| Pension and other employee benefits | 2,298 | 2,112 | 1,922 | 1,627 |
| Other components of net periodic pension and postretirement benefits | -113 | -113 | -113 | -227 |
| Net occupancy | 1,371 | 1,431 | 1,533 | 1,422 |
| Furniture and equipment | 399 | 455 | 373 | 402 |
| Data processing | 2,534 | 2,563 | 2,534 | 2,567 |
| Professional services | 636 | 805 | 638 | 522 |
| Marketing and advertising | 203 | 351 | 339 | 210 |
| Other real estate owned | 8 | 3 | 11 | 55 |
| Fdic insurance | 352 | 434 | 439 | 524 |
| Loan expense | 262 | 296 | 278 | 353 |
| Other | 1,770 | 1,853 | 1,764 | 1,887 |
| Total non-interest expense | 17,645 | 17,769 | 16,927 | 16,510 |
| Income before income tax expense | 10,067 | -8,811 | 7,687 | 7,233 |
| Income tax expense | 2,275 | -2,359 | 1,664 | 1,513 |
| Net income | 7,792 | -6,452 | 6,023 | 5,720 |
| Basic earnings (loss) per share (in dollars per share) | 1.62 | -1.35 | 1.26 | 1.19 |
| Diluted earnings (loss) per share (in dollars per share) | 1.62 | -1.35 | 1.26 | 1.19 |
| Weighted average shares outstanding, basic (in shares) | 4,811,000 | 4,808,000 | 4,791,000 | 4,773,000 |
| Weighted average shares outstanding, diluted (in shares) | 4,811,000 | 4,808,000 | 4,791,000 | 4,773,000 |
CHEMUNG FINANCIAL CORP (CHMG)
CHEMUNG FINANCIAL CORP (CHMG)