Performance Ratios (%) CHMG Peer Median Peer Average
ROAA 0.74 0.93 0.90
ROAE 8.45 9.33 9.28
Net Interest Margin 3.48 3.31 3.38
Efficiency Ratio 68.81 61.00 60.28
Loans / Deposits 83.85 92.95 91.52
Asset Quality Ratios (%)
NPAs / Assets 0.94 0.62 0.84
NCOs / Avg Loans 0.23 0.07 0.10
Reserves / Loans 1.22 1.13 1.08
Reserves / NPAs 96.65 121.52 169.70
Capital Ratios (%)
Tier 1 Capital 10.84 12.56 13.23
Tangible Equity / Tangible Assets 7.62 8.29 8.96
Total Equity / Total Assets 8.91 9.64 9.99
Market Ratios
Price / Earnings (x) 20.21 17.99 17.35
Price / Book (%) 162.65 155.96 160.06
Dividend Yield (%) 1.96 2.57 2.41
Data for trailing four quarters

Chemung Financial Corporation's peer group consists of the following: ACNB Corporation (ACNB), Arrow Financial Corporation (AROW), Bar Harbor Bankshares (BHB), Bridge Bancorp, Inc. (BDGE), Bryn Mawr Bank Corporation (BMTC), Cambridge Bancorp (CATC), Camden National Corporation (CAC), Canandaigua National Corporation (CNND), Citizens & Northern Corporation (CZNC), CNB Financial Corporation (CCNE), Codorus Valley Bancorp, Inc. (CVLY), Customers Bancorp, Inc. (CUBI), Enterprise Bancorp, Inc. (EBTC), Financial Institutions, Inc. (FISI), First Bancorp, Inc. (FNLC), First of Long Island Corporation (FLIC), Franklin Financial Services Corporation (FRAF), Hudson Valley Holding Corp. (HVB), Intervest Bancshares Corporation (IBCA), Merchants Bancshares, Inc. (MBVT), Metro Bancorp, Inc. (METR), Orrstown Financial Services, Inc. (ORRF), Suffolk Bancorp (SCNB), Univest Corporation of Pennsylvania (UVSP)

Chemung Financial Corporation's financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.
Suffolk Bancorp's financial data is as of 12/31/2016.
Hudson Valley Holding Corp.'s financial data is as of 3/31/2015.
Intervest Bancshares Corporation's financial data is as of 12/31/2014.
Metro Bancorp, Inc.'s financial data is as of 12/31/2015.