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Peer AnalysisTOMPKINS FINANCIAL CORPORATION (NYSE Amex - TMP) 

Data for trailing four quarters

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Performance Ratios (%)TMPPeer
Median
Peer
Average
ROAA1.10 0.40 (0.08) 
ROAE13.86 4.10 (2.18) 
Net Interest Margin3.91 3.59 3.50 
Efficiency Ratio60.65 64.60 65.49 
Loans / Deposits77.20 79.71 80.54 
Asset Quality Ratios (%)   
NPAs / Assets1.22 2.01 2.60 
NCOs / Avg Loans0.17 0.70 1.03 
Reserves / Loans1.40 1.72 1.91 
Reserves / NPAs68.83 52.92 77.01 
Capital Ratios (%)   
Tier 1 CapitalNA 12.73 12.95 
Tangible Equity / Tangible Assets7.19 7.59 7.52 
Total Equity / Total Assets8.50 8.80 8.63 
Market Ratios   
Price / Earnings (x)13.21 14.03 19.33 
Price / Book (%)169.24 105.66 100.79 
Dividend Yield (%)3.26 2.17 2.28 
Tompkins Financial Corporation's peer group consists of the following: ACNB Corporation (ACNB), Alliance Financial Corporation (ALNC), AmeriServ Financial, Inc. (ASRV), Arrow Financial Corporation (AROW), Bancorp Rhode Island, Inc. (BARI), Berkshire Bancorp Inc. (BERK), Boston Private Financial Holdings, Inc. (BPFH), Camden National Corporation (CAC), Center Bancorp, Inc. (CNBC), Century Bancorp, Inc. (CNBKA), Chemung Financial Corporation (CHMG), Citizens & Northern Corporation (CZNC), CNB Financial Corporation (CCNE), Financial Institutions, Inc. (FISI), First Mariner Bancorp (FMAR), First National Community Bancorp, Inc. (FNCB), First of Long Island Corporation (FLIC), First United Corporation (FUNC), Harleysville National Corporation (HNBC), Hudson Valley Holding Corp. (HUVL), Independent Bank Corp. (INDB), Intervest Bancshares Corporation (IBCA), Lakeland Bancorp, Inc. (LBAI), Merchants Bancshares, Inc. (MBVT), Metro Bancorp, Inc. (METR), Oriental Financial Group Inc. (OFG), Peapack-Gladstone Financial Corporation (PGC), Royal Bancshares of Pennsylvania, Inc. (RBPAA), Sandy Spring Bancorp, Inc. (SASR), State Bancorp, Inc. (STBC), Suffolk Bancorp (SUBK), Sun Bancorp, Inc. (SNBC), Univest Corporation of Pennsylvania (UVSP), Washington Trust Bancorp, Inc. (WASH)

Tompkins Financial Corporation's financial data is as of 6/30/2010.

Peer financial data is as of 6/30/2010  except for these companies:

ACNB Corporation's financial data is as of 3/31/2010.
Berkshire Bancorp Inc.'s financial data is as of 3/31/2010.
First Mariner Bancorp's financial data is as of 3/31/2010.
First National Community Bancorp, Inc.'s financial data is as of 3/31/2010.
First United Corporation's financial data is as of 3/31/2010.
Harleysville National Corporation's financial data is as of 12/31/2009.
Oriental Financial Group Inc.'s financial data is as of 3/31/2010.
Peapack-Gladstone Financial Corporation's financial data is as of 3/31/2010.
Royal Bancshares of Pennsylvania, Inc.'s financial data is as of 3/31/2010.

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