Performance Ratios (%) CHMG Peer Median Peer Average
ROAA 0.52 0.82 0.81
ROAE 5.84 8.54 8.37
Net Interest Margin 3.63 3.27 3.36
Efficiency Ratio 67.23 60.83 61.10
Loans / Deposits 86.94 92.75 91.75
Asset Quality Ratios (%)
NPAs / Assets NA 0.61 0.81
NCOs / Avg Loans 0.18 0.09 0.12
Reserves / Loans 1.62 1.11 1.06
Reserves / NPAs NA 118.57 142.64
Capital Ratios (%)
Tier 1 Capital NA 12.58 13.26
Tangible Equity / Tangible Assets 7.55 8.22 8.84
Total Equity / Total Assets 8.84 9.62 9.91
Market Ratios
Price / Earnings (x) 25.90 20.00 21.69
Price / Book (%) 153.78 156.34 163.00
Dividend Yield (%) 2.17 2.51 2.47
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 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

First of Long Island Corporation's financial data is as of 12/31/2017.
Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.
Suffolk Bancorp's financial data is as of 12/31/2016.
ACNB Corporation's financial data is as of 12/31/2017.
Financial Institutions, Inc.'s financial data is as of 12/31/2017.
Hudson Valley Holding Corp.'s financial data is as of 3/31/2015.
Canandaigua National Corporation's financial data is as of 12/31/2017.
Intervest Bancshares Corporation's financial data is as of 12/31/2014.
Metro Bancorp, Inc.'s financial data is as of 12/31/2015.
Customers Bancorp, Inc.'s financial data is as of 12/31/2017.