Call reports 2025
CHEMUNG CANAL TRUST COMPANY — 2025
What CHEMUNG CANAL TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,796,650,000 | 2,850,563,000 | 2,696,030,000 | 2,709,552,000 |
| Total loans | 2,097,920,000 | 2,134,626,000 | 2,205,431,000 | 2,271,663,000 |
| Allowance for loan losses | 22,522,000 | 22,665,000 | 23,645,000 | 24,209,000 |
| Securities available for sale | 528,327,000 | 287,335,000 | 280,514,000 | 280,598,000 |
| Securities held to maturity | 808,000 | 680,000 | 680,000 | 640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,437,119,000 | 2,479,871,000 | 2,369,309,000 | 2,279,501,000 |
| Interest-bearing deposits | 1,817,363,000 | 1,855,416,000 | 1,736,034,000 | 1,654,813,000 |
| Noninterest-bearing deposits | 619,756,000 | 624,455,000 | 633,275,000 | 624,688,000 |
| Equity capital | 222,746,000 | 266,539,000 | 277,326,000 | 287,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 31,697,000 | 64,731,000 | 98,616,000 | 132,833,000 |
| Interest expense | 11,882,000 | 23,901,000 | 34,202,000 | 43,683,000 |
| Net interest income | 19,815,000 | 40,830,000 | 64,414,000 | 89,150,000 |
| Noninterest income | 5,695,000 | 12,108,000 | 17,755,000 | 24,030,000 |
| Noninterest expense | 16,549,000 | 33,950,000 | 51,258,000 | 69,286,000 |
| Provision for loan losses | 1,396,000 | 2,532,000 | 3,597,000 | 4,692,000 |
| Pretax income | 7,836,000 | -677,000 | 10,308,000 | 22,160,000 |
| Income tax | 1,713,000 | -560,000 | 1,967,000 | 5,454,000 |
| Net income | 6,123,000 | -117,000 | 8,341,000 | 16,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 257,842,000 | 287,419,000 | 294,577,000 | 301,800,000 |
| Total capital | 280,900,000 | 310,631,000 | 318,768,000 | 326,594,000 |
| Risk-weighted assets | 2,129,316,000 | 2,130,535,000 | 2,141,684,000 | 2,207,137,000 |