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Income Overview

Revenue
$3,191K
Net Income
$8,810K
Net Profit Margin
276.09%
EPS
$1.82
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenues from contracts with customer-Wealth Management Group Services Segment
3,191
3,145
3,005*
2,967
Revenues from contracts with customer-Service Chargeon Deposits
1,038
1,051
1,115*
1,094
Revenues from contracts with customer-Interchange Revenue
1,107
1,014
1,028*
1,073
Net (gaines) on securities transactions
0
-
152*
0
Changes in fair value of equity investments
272
-71
14
136
Net gains on sales of loans held for sale
47
21
92
78
Net gains (losses) on sales of other real estate owned
0
0
10
0
Income from bank-owned life insurance
7
7
8
8
Other
841
1,153
1,250
732
Total non-interest income
6,503
6,320
6,673
6,088
Loans, including fees
32,822
31,521
31,809
31,033
Taxable securities
1,666
1,687
1,670
1,653
Tax exempt securities
78
74
75
80
Interest-earning deposits
325
303
665
1,118
Total interest and dividend income
34,891
33,585
34,219
33,884
Deposits
8,703
8,539
9,390
10,171
Borrowed funds
1,518
1,462
985
1,025
Total interest expense
10,221
10,001
10,375
11,196
Net interest income
24,670
23,584
23,844
22,688
Provision for credit losses
561
601
1,136
1,064
Net interest income after provision for credit losses
24,109
22,983
22,708
21,624
Salaries and wages
8,037
7,600
7,856
7,925
Pension and other employee benefits
2,286
2,122
2,555
2,298
Other components of net periodic pension and postretirement benefits
-142
-142
-113
-113
Net occupancy
1,546
1,528
1,477
1,371
Furniture and equipment
498
409
475
399
Data processing
2,615
2,536
2,417
2,534
Professional services
962
691
627
636
Marketing and advertising
497
241
355
203
Other real estate owned
17
8
1
8
Fdic insurance
304
315
293
352
Loan expense
458
334
316
262
Other
2,243
1,820
2,129
1,770
Total non-interest expense
19,321
17,462
18,388
17,645
Income (loss) before income tax expense
11,291
11,841
10,993
10,067
Income tax expense (benefit)
2,481
2,642
3,252
2,275
Net income (loss)
8,810
9,199
7,741
7,792
Basic EPS
1.82
1.91
1.611
1.62
Diluted EPS
1.82
1.91
1.611
1.62
Basic Average Shares
4,770,416
4,825,000
4,806,000
4,811,000
Diluted Average Shares
4,838,000
4,825,000
4,806,000
4,811,000
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Loans, including fees$32,822K (11.51%↑ Y/Y)Taxable securities$1,666K (-34.15%↓ Y/Y)Interest-earning deposits$325K (-61.99%↓ Y/Y)Tax exemptsecurities$78K (-63.55%↓ Y/Y)Total interest anddividend income$34,891K (5.62%↑ Y/Y)Net interest income$24,670K (18.56%↑ Y/Y)Revenues from contractswith...$3,191K (6.62%↑ Y/Y)Revenues from contractswith...$1,107K (-0.27%↓ Y/Y)Revenues from contractswith...$1,038K (-6.82%↓ Y/Y)Other$841K (-40.18%↓ Y/Y)Changes in fair value ofequity investments$272K (151.85%↑ Y/Y)Net gains on sales ofloans held for sale$47K (-7.84%↓ Y/Y)Income from bank-ownedlife insurance$7K (-12.50%↓ Y/Y)Total interestexpense$10,221K (-16.40%↓ Y/Y)Net interest incomeafter provision for...$24,109K (22.61%↑ Y/Y)Total non-interestincome$6,503K (160.75%↑ Y/Y)Provision for creditlosses$561K (-51.00%↓ Y/Y)Deposits$8,703K (-21.42%↓ Y/Y)Borrowed funds$1,518K (32.00%↑ Y/Y)Income (loss) beforeincome tax expense$11,291K (228.15%↑ Y/Y)Total non-interestexpense$19,321K (8.73%↑ Y/Y)Other components ofnet periodic...-$142K (-25.66%↓ Y/Y)Net income (loss)$8,810K (236.55%↑ Y/Y)Income tax expense(benefit)$2,481K (205.17%↑ Y/Y)Salaries and wages$8,037K (6.04%↑ Y/Y)Data processing$2,615K (2.03%↑ Y/Y)Pension and otheremployee benefits$2,286K (8.24%↑ Y/Y)Other$2,243K (21.05%↑ Y/Y)Net occupancy$1,546K (8.04%↑ Y/Y)Professional services$962K (19.50%↑ Y/Y)Furniture and equipment$498K (9.45%↑ Y/Y)Marketing and advertising$497K (41.60%↑ Y/Y)Loan expense$458K (54.73%↑ Y/Y)Fdic insurance$304K (-29.95%↓ Y/Y)Other real estateowned$17K (466.67%↑ Y/Y)

CHEMUNG FINANCIAL CORP (CHMG)

CHEMUNG FINANCIAL CORP (CHMG)