CHEMUNG FINANCIAL CORPORATION
2011 ANNUAL REPORT
FINANCIAL HIGHLIGHTS
(in thousands, except per share data)
OPERATING RESULTS - Year Ended December 31
Net Interest Income
Provision for loan losses
Non-interest income:
Securities gains, net
Trust Preferred impairment writedown
Wealth Management Group fee income
Other operating income
Other operating expense
Income tax expense
Net income
2011
$ 43,849
958
1,108
-67
6,710
9,713
44,784
5,033
10,538
$ 34,530
1,125
451
-393
10,497
9,090
37,843
5,105
10,102
2010
% of Change
26.99%
-14.84%
145.68%
-82.95%
-36.08%
6.85%
18.34%
-1.41%
4.32%
26.91%
29.86%
1.70%
26.98%
29.28%
10.09%
-14.29%
0.82%
-7.99%
0.00%
21.51%
$1,216,260
$ 958,327
796,915
9,659
998,493
125,929
349
2.40
27.14
21.07
1.00
4,383
1.21%
0.90%
11.28%
613,684
9,498
786,359
97,409
317
2.80
26.92
22.90
1.00
3,607
1.55%
1.02%
12.83%
$1,136,074
459,866
$1,595,940
$1,183,934
441,451
$1,625,385
-4.04%
4.17%
-1.81%
2011
2010
2009
21.77 – 26.75
19.65 – 21.40
15.00 – 22.00
22.50 – 26.00
19.90 – 21.55
17.25 – 23.00
22.95 – 24.00
20.15 – 22.00
18.75 – 21.25
22.50 – 23.75
20.50 – 24.00
19.55 – 23.00
2011
2010
2009
0.25
0.25
0.25
0.25
1.00
0.25
0.25
0.25
0.25
1.00
0.25
0.25
0.25
0.25
1.00
At Year End:
Assets
Loans, net of deferred fees and costs,
and unearned income
Allowance for loan losses
Deposits
Shareholders’ equity
Employees (full time equivalent)
Share and Per Share Data:
Net income
Book value, at year end
Tangible book value, at year end
Dividends declared
Shares outstanding (average)
Ratios:
Allowance to total loans
Return on average assets
Return on average Tier I Equity
Wealth Management Group Assets Under
Administration (market value)
as Fiduciary
as Custodian
Market Prices of Chemung Financial Corporation
Stock During Past Three Years (dollars)
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
Dividends Paid Per Common Share by Chemung
Financial Corporation During Past Three Years
January 3
April 1
July 1
October 3
As of December 31, 2011 there were 609 registered holders of record
of the Corporation’s stock. Chemung Financial Corporation common
stock is inactively traded in the over-the-counter market.
The quarterly market price ranges for the Corporation’s stock for the
past three (3) years are based upon actual transactions as reported
by brokerage firms which maintain a market or conduct trades
in the Corporation’s stock and other transactions known by the
Corporation’s management.
April 3, 2012
TO OUR SHAREHOLDERS
2011 was an eventful, challenging and successful year
for your company. It was also another record-setting year.
Our net income of $10.5 million is the highest in our 178
year history and year-end assets climbed to $1.2 billion.
In April, we completed our merger with Fort Orange
Financial Corp. and established full service banking opera-
tions in the Capital Region, one of the most attractive and
vibrant markets in New York State. The vision created for
this region over a decade ago to become “Tech Valley”
has become a reality and the heavy investment in nanosci-
ence and micro-chip technology continues unabated. This
transaction contributed over $5 million in pre-tax income
(for 9 months and excluding one-time transaction costs)
and is over 20% earnings per share (EPS) accretive on an
annualized basis (similar to the Bank of Canton transac-
tion completed in 2009). In addition, we generated over
$60 million in new commercial loans from this market,
greatly needed earning assets considering our excess
liquidity. Our community banking philosophy and busi-
ness model are serving us well in this region, a market
that has seen dramatic turmoil and consolidation in the
banking sector over the past 25 years. The Capital Bank
name was a strong, recognizable brand within the Albany
market so we are operating in the region as “Capital
Bank, a division of Chemung Canal Trust Company”.
Once again, our team did an outstanding job with the
systems conversion and integration.
Financial Results
Net income for the year was $10.5 million, an increase
of $.4 million or 4% over 2010, and earnings per share
of $2.40 were $.40 or 14% lower than last year with
776,302 additional average shares outstanding. Year-over-
year earnings per share were expected to decline in light
of one-time merger costs of $2.3 million in 2011 and the
recognition in 2010 of nearly $4.0 million of additional
trust fee income as a result of an earlier than anticipated
settlement of an unusually large estate. Excluding the
impact of one-time, non-recurring items, 2011 EPS would
be approximately $2.74 compared to $2.26 in 2010.
Our return on average assets was .90% and our return
on average equity was 8.77% compared to 1.02% and
10.64%, respectively for 2010. At December 31, 2011,
our balance sheet reflects total assets of $1.2 billion, total
loans of nearly $800 million, total deposits of $1 billion
and total shareholders’ equity of $126 million. Our
capital ratios remain at levels well above those considered
to be “well capitalized” by regulators. The market value
of total assets under management or administration in our
Wealth Management Group was $1.6 billion at year-end.
David J. Dalrymple
Ronald M. Bentley
Asset Quality
Credit quality in the legacy Chemung portfolio remained
stable and strong throughout the year. Loans acquired in
connection with the Capital Bank merger were accounted
for under purchase accounting rules and are recorded at
fair value. With this merger, we acquired some loans that
Capital Bank made outside of the Albany region. Capital
Bank’s size and credit capacity limited their ability to
compete for in-market opportunities. We are making good
progress repositioning the loan portfolio and replacing out-
of-market credits with high-quality loans within the Capital
Region. As a larger bank with higher capital levels, we have
greater lending capacity and we are competing successfully
for new, local loan opportunities which meet our under-
writing standards.
2011 was an eventful, challenging and
successful year for your company.
It was also another record-setting year.
The September Flood
The flooding disaster of early September, 2011 caused
significant damage in parts of NY and PA. Two of our
branch offices, Owego and Tioga, sustained damage and
were temporarily closed. Clean up and restoration efforts
commenced immediately and these offices were reopened
in February of this year. The real tragedy, however, was
the property damage suffered by our clients, employees and
these communities. Many lost their homes or businesses.
Chemung Canal responded to this crisis with financial
assistance to the relief agencies and other humanitarian
1
organizations. We helped people apply for FEMA assis-
tance. We provided low interest rate loans. We organized
work teams to help our employees clean up their homes.
Your community bank responded to this crisis like a
community bank should—we care deeply about this place
we call home and helped those in need.
The Marcellus Shale
Some of our traditional markets are enjoying an economic
resurgence thanks to the rich gas reserves in the Marcellus
Shale. While there is a moratorium on gas drilling in
New York, the drilling activity just over the border in
Pennsylvania is creating a demand for services in the
Southern Tier and our clients and communities — and
your bank — are reaping the benefits. As an advocate for
safe and environmentally responsible drilling, we hope the
DEC, which has been studying this issue since 2008, will
soon issue drilling permits in NY State with appropriate
regulation and oversight.
Growth and Acquisitions
In recent years, we have grown our company through a
combination of organic growth, de novo branch expansion,
branch purchases, a trust business purchase and two whole
bank acquisitions. Organic growth has been achieved by
sharpening our sales effectiveness, delivering outstanding
client service, deepening client relationships and bringing
new products to market that meet the financial needs of
existing and prospective clients. In the short term, we will
focus our efforts on the continued integration of Capital
Bank, rebuilding capital through retained earnings and
driving organic growth in all markets. In today’s banking
industry, scale is a critical ingredient for success so we must
continue to grow. Also, with higher earnings coming from
a bigger balance sheet, we can continue to be a major
economic force in the Southern Tier of NY, home to our
headquarters in Elmira and other traditional markets.
CanalCare and CapitalCare —
Our Competitive Advantage
CanalCare has firmly taken root at Chemung Canal and
is showing signs of life in our Capital Bank division. As
we have explained in these pages in the past, CanalCare
embodies our service promise to both our external and
internal clients. The implementation of this initiative stems
from the strong belief that our only sustainable competitive
advantage is the quality of our people and the service they
provide. Evidenced by recent surveys, the quality of our
service is very good. We want it to be great defined by a
level of client satisfaction that creates loyalty and advocacy.
To take us to the next level and solidify the client experi-
ence as a distinctive competitive advantage, we are rolling
out next-generation CanalCare. Elements of this program
include additional training, new service quality metrics
and higher individual expectations.
Other Accomplishments
In December, we relocated our Wolf Road office in Albany
to a more highly visible and accessible location on Wolf
Road, one of the most heavily travelled arteries in Albany
and the retail epicenter of the region. We are especially
pleased to report that this move to a far superior location
was cost-neutral to our company. Efforts to reconfigure
the branch network in Albany continue. We also completed
interior renovations at our Bath and Montour Falls offices.
We are committed to keeping our banking facilities fresh,
contemporary and professional.
In today’s banking industry, scale is a
critical ingredient for success so we
must continue to grow.
This past year we studied social media and formulated a
social media policy and program. Look for us on Facebook,
LinkedIn and YouTube. We hope you will “Like” us on
the Chemung Canal Facebook page. Additionally, our retail
brokerage and tax preparation business had its best year
ever. Clients are increasingly turning to Chemung Canal for
their investment needs and to prepare their tax returns —
our tax preparation revenue was up 32% over the previous
year. Finally, we introduced a mobile banking service and
it is catching on fast. To learn about this new service, visit
www.chemungcanal.com and click on “Education Center.”
MISSION: The mission of CFC is to remain a strong and independent financial services organization creating value
for shareholders, customers, employees and the communities where the bank does business, while maintaining the
highest standards of business ethics. Chemung Canal operates with a community banking philosophy and business
model, distinguished by local decision-making and the building of long-term client relationships. Deposits are
gathered locally and channeled back into our local communities in the form of loans to businesses, individuals,
organizations and other enterprises.
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Leadership Development
We continue to develop the future leaders of our organization.
If an employee aspires to a higher level of responsibility and
has the aptitude, we are committed to helping that individual
achieve their full potential through pursuit of higher
education and professional training opportunities. Through
improved career development and planning, more employees
are advancing their careers within the organization.
The Business Climate in New York State
NYS has a long history and reputation for being unfriendly
to business. High taxes and burdensome regulations have
driven many companies, along with many of their employees,
to other parts of the country. The state’s population is
shrinking and the “brain drain”— the loss of our college-
educated youth — continues. We are encouraged by our
new governor’s plans for the future and hope we are on a
path to reverse the many years of decline.
Our Board of Directors
At our annual meeting in May, two long-time directors will
retire from our board: Ralph Meyer who has served for
31 years and Tom Meier who has served for 23 years.
Their insight, wisdom and dedication have helped guide our
company through periods of great change and challenge.
We will miss them.
This past year, we added three members to our board of
directors. Bruce Boyea, Chairman, President and Chief
Executive Officer of Security Mutual Life Insurance Company
of New York, joined the board in March. In connection
with the Capital Bank merger, we welcomed two former
Fort Orange directors to our board in May: Larry Becker
and Eugene Sneeringer, Jr. Larry Becker is the Chief
Operating Officer of Windsor Development Group, Inc.,
a regional full-service real estate development company.
Prior to co-founding Windsor Development, Larry was a
founding member of Teal, Becker & Chiaramonte CPAs,
a regional accounting firm. Eugene Sneeringer, Jr., is an at-
torney and a Principal in the firm of Sneeringer Monahan
Provost Redgrave Title Agency Inc. Bruce, Larry and Gene
are already making important contributions to our success.
Gilliam, Vice President, retired at year-end after 41 years of
service. Four decades of service to one organization is truly
remarkable in today’s business world and we are grateful
for all they have contributed to the success of Chemung
Canal Trust Company.
We believe that we are successfully
fulfilling our mission and will continue
to do so with your support.
Created by an act of the New York State Legislature in
1833, Chemung Canal Trust Company is the oldest
independent bank in NY State. While we are proud of our
long and rich history, we recognize that we must change and
adapt to remain relevant and competitive. Our actions
are guided by the following core principles:
• Our mission is to create value for shareholders, clients,
employees and the communities where we do business;
• Value is created by delivering consistent and sustainable
earnings growth;
• We will maintain an unwavering dedication to our
community banking philosophy and conservative
business model;
• We will continue to build long term relationships with
our clients and play a vital role in the communities where
we do business; and
• Deposits gathered locally will be channeled back into
our local communities in the form of loans to businesses,
individuals, organizations and other enterprises.
We believe that we are successfully fulfilling our mission
and will continue to do so with your support. Thank you
for your investment in our company.
Ronald M. Bentley
President and Chief Executive Officer
Management Changes
Some long-serving senior managers are also retiring.
Jane Adamy, Senior Vice President and Corporate Secretary,
will retire in May after 40 years of service and Alex “Pat”
David J. Dalrymple
Chairman of the Board
VISION: The vision of Chemung Financial Corporation is to be a high-performing community bank remaining true
to our mission, and to become the company of choice for customers, employees, investors and financial services
companies seeking a partner.
3
Sitting (l to r) E. Sneeringer, Jr., J. Updegraff, R. Dalrymple, R. Bentley, R. Storch
Standing (l to r) D. Dalrymple, B. Boyea, W. Eggers, R. Swan, S. Lounsberry III, C. Drinkwater, R. Meyer, J. Potter, L. Becker and T. Meier
Ronald M. Bentley
President and Chief Executive Officer
Chemung Financial Corporation,
Chemung Canal Trust Company and
CFS Group, Inc.
Larry H. Becker
Chief Operating Officer
Windsor Development Group, Inc.
Bruce W. Boyea
Chairman, President and
Chief Executive Officer
Security Mutual Life Insurance
Company of New York
BOARD OF DIRECTORS
David J. Dalrymple
Chairman of the Board
Chemung Financial Corporation,
Chemung Canal Trust Company
and
President
Dalrymple Holding Corporation
Robert H. Dalrymple
Vice President and Secretary
Dalrymple Holding Corporation
Clover M. Drinkwater
Partner
Sayles & Evans
William D. Eggers
Senior Counsel
Nixon Peabody LLP
Stephen M. Lounsberry, III
President
Applied Technology
Manufacturing
Eugene M. Sneeringer, Jr.
Principal
Sneeringer Monahan Provost
Redgrave Title Agency, Inc.
Thomas K. Meier
President
Elmira College
Ralph H. Meyer
Retired President and Chief
Executive Officer
Guthrie Healthcare System
John F. Potter
President
Seneca Beverage Corp.
Robert L. Storch
Retired Owner
Storchmont Dairy Farms
Richard W. Swan
Chairman of the Board
Swan and Sons-Morss Co., Inc.
Jan P. Updegraff
Retired President and
Chief Executive Officer
Chemung Financial Corporation
and Chemung Canal Trust
Company
CAPITAL BANK ADVISORY BOARD
Elizabeth T. Coco
Executive Vice President
Microknowledge, Inc.
Gerald D. Jennings
Mayor
City of Albany
Paul G. Kasselman
President
Kasselman Electric Inc.
Raymond J. Kinley, Jr.
Retired President and
Chief Executive Officer
Clough Harbour & Assoc.
Dr. Lee McElroy
Vice President for
Athletic Administration
University of Albany
Jim Menzies
Founder
Leontine Consulting LLC
Retired Chief Executive Officer
KeyBank, New York
Daniel P. Nolan
President and
Chief Executive Officer
Hugh Johnson Advisors
Gregory F. Oberting
President
Interstate Commodities, Inc.
Joseph A. Reilly
Retired President and
Executive Director
NYS Broadcasters Assoc. Inc.
Dean A. Rueckert
President
Rueckert Advertising and
Public Relations
Edward J. Trombly
Partner, Hiscock & Barclay
OTHER INFORMATION
Dividend Investment and Stock Purchase Plan: Registered shareholders of
Chemung Financial Corporation, through The Dividend Investment and Stock
Purchase Plan, may invest their dividends or make quarterly cash payments
to purchase additional stock of the Corporation. Shareholders not enrolled in
the plan may receive a descriptive brochure and authorization card for the plan
upon written request to the Corporation’s secretary at the following address:
Chemung Financial Corporation
Attn: Corporate Secretary
P.O. Box 1522
Elmira, New York 14902-1522
www.chemungcanal.com
4
Form 10-K Annual Report: A copy of the Corporation’s Form 10-K Annual
Report is available without charge to shareholders after March 31, 2012
upon written request to the Corporation’s secretary. A copy is also available
on our Transfer Agent, American Stock Transfer & Trust Company’s website
at www.amstock.com/proxyservices/viewmaterials.asp.
Annual Meeting
The Annual Meeting of Shareholders will be held on Thursday, May 10,
2012 at 2:00 p.m. at the downtown Holiday Inn, Elmira — Riverview.
CHEMUNG CANAL TRUST COMPANY, CAPITAL BANK &
CFS GROUP, INC. OFFICERS
EXECUTIVE MANAGEMENT TEAM
Ronald M. Bentley President & Chief Executive Officer, John R. Battersby Jr. Executive Vice President, Chief Financial
Officer & Treasurer, Richard G. Carr Executive Vice President, Business Client Services, Louis C. DiFabio Executive Vice
President, Retail Client Services, Karen R. Makowski Executive Vice President, Chief Administrative & Risk Officer,
Melinda A. Sartori Executive Vice President, Wealth Management Group, Anders M. Tomson Division President, Capital
Bank, Jane H. Adamy Senior Vice President, Corporate Secretary, Michael J. Crimmins Senior Vice President, Support
Services, Linda M. Struble Senior Vice President, Human Resources, Michael J. Wayne Senior Vice President, Marketing,
Brendan P. McCormick Vice President & Auditor
SENIOR VICE PRESIDENTS
Catherine B. Crandall Trust & Estate Administration, Richard P. Sherwin Commercial Lending, Thomas J. Whitaker
Finance, Thomas W. Wirth, CFA Investment Services
VICE PRESIDENTS
Deborah A. Adams Compliance & CRA, Yvonne L. Albee Regulatory Risk, Judy L. Barton Bank Operations, Michael J.
Battersby Branch Administration, Nancy J. Battersby Trust & Estate Administration, Douglas F. Bissonette Trust & Estate
Administration, Michael D. Blatt, CFA Investment Services, Marci L. Cartwright Wealth Management Group, Daniel R.
Donovan Consumer Lending, Lucimar Foo-Siam Escudero Commercial Credit, Yvette M. Francisco Loan Review,
Victoria A. Harkins Private Banking, James S. Hartle Branch Administration, William M. Hodel Commercial Lending,
Marianne T. Kalec Real Estate Lending, Pamela A. Kelley Regional Trust Officer, John T. Kite Commercial Lending,
Celeste D. Knickerbocker Finance, Michael S. Lares Trust & Estate Administration, Ronald W. Lesch Commercial Lending,
Christopher B. Loughridge Trust & Estate Administration, Robert P. Luther Commercial Lending, Audrey Manchester
Branch Administration, Eileen M. McCarthy Wealth Management Group, Support Services, D. Tavis McKeon Branch
Administration, J. Edmond Morton IV Regional Wealth Management Executive, Robert M. Pichette Commercial Lending,
Ronald W. Poole Commercial Lending, Chester L. Reed Commercial Lending, James D. Ripley Logistical Support, Robert
A. Roemmelt Jr. Arnot Road Branch, Larry W. Rudawsky Retirement Services Group, John J. Sentigar Information
Technology, Jacqueline L. Stevens Owego Branch, Kenneth J. Wilson Business Development
ASSISTANT VICE PRESIDENTS
Kimberly A. Bailey Canton Branch, Joan M. Bernas Finance, John H. Brand, CFA Investment Services, Pamela D. Burns
Human Resources, David E. Carlson Troy Branch, Richard W. Carroll Watkins Glen Branch, Donna M. Coles Elmira Heights
Branch, Alison J. Conklin-DeVita Waverly Branch, Deborah A. Cram Southport Branch, Joel A. Crimmins Commercial
Lending, Gary K. Earley Trust & Estate Administration, Troy J. Edwards Commercial Lending, Constance L. English Corning
Branch, Sandra L. Grooms The Station (Ithaca) Branch, Craig B. Heffner Commercial Lending, Scott T. Heffner Marketing,
Mary L. Keefe Business Services, Matthew T. Keefe Information Technology, Christopher Kennedy Commercial Lending,
Tina M. McGurgan Information Technology, Denise G. Mughetti Binghamton Branch, Mary Anne Narosky Business Client
Services, Debra A. Newcomer Main Office Branch, Debra L. Stanton, CFSA Security, Theresa A. Wagner Deposit Operations,
David A. Wakeman Resource Recovery, Sheila A. Washburn Bank Operations, Joan M. Wittig-Smith, CFSA, CFAP Audit
ASSISTANT TREASURERS
Sherry L. Armstrong Community Corners (Ithaca) Branch, Larissa A. Benderskaya Latham Branch, Gregory J. Bruno
Slingerlands Branch, Cheryl A. DeBlock Vestal Branch, Karen A. Dimmick Westside (Elmira) Branch, Brandon J.S. Downie
Commercial Lending, Lashonda R. Love Washington Ave. Branch, Kathleen S. McKillip Executive Management,
Deirdre E. Pangburn Washington Ave. Branch, Christine Perlee Wolf Rd. Branch, Tina M. Sabina Real Estate Lending,
Sheryl J. Scott Big Flats Branch, Jennifer Sczepanski Horseheads Branch, Kenneth H. Seeber Clifton Park Branch, Andrea
L. Seymour Logistical Support, Meredith L. Tigue Regulatory Risk, Todd N. Trencansky Tioga (Owego) Branch, Charolette
R. Truxal Oakdale Mall Branch, Linda L. Wead Montour Falls Branch, Jennifer L. White Bath Branch, Sue A. Williams
Towanda Branch, Jean A. Wise-Wicks Painted Post Branch
CFS GROUP, INC.
Joseph M. Cascio, Sr. Vice President
Officer listing as of March 21, 2012
CFS
G R O U P, I N C .
MAIN OFFICE
One Chemung Canal Plaza, Elmira, NY 14902-1522 (800) 836-3711 (607) 737-3711
BRADFORD COUNTY
Canton: 5 West Main St., Canton, PA 17724 (570) 673-5127
Towanda: 304 Main St., Towanda, PA 18848 (570) 265-7169
Troy: 159 Canton St., Troy, PA 16947 (570) 297-0657
BROOME COUNTY
Binghamton: 127 Court St., Binghamton, NY 13901 (607) 771-6369
Johnson City: Oakdale Mall, 601-635 Harry L. Dr., Johnson City, NY 13790 (607) 729-6347
Vestal: 100 Rano Blvd., Vestal, NY 13850 (607) 797-1721
CHEMUNG COUNTY
Big Flats: 437 Maple St., Big Flats, NY 14814 (607) 562-8474
Elmira: One Chemung Canal Plaza, Elmira, NY 14901 (800) 836-3711 (607) 737-3711
Elmira: 628 W. Church St., Elmira, NY 14905 (607) 734-7204
Elmira Heights: 100 W. McCanns Blvd., Elmira Heights, NY 14903 (607) 734-1323
Horseheads: 29 Arnot Rd., Horseheads, NY 14845 (607) 739-0373
Horseheads: 602 S. Main St., Horseheads, NY 14845 (607) 739-8735
Southport: 951 Pennsylvania Ave., Elmira, NY 14904 (607) 734-2111
SCHUYLER COUNTY
Montour Falls: 303 W. Main St., Montour Falls, NY 14865 (607) 535-7103
Watkins Glen: 318 N. Franklin St., Watkins Glen, NY 14891 (607) 535-7186
STEUBEN COUNTY
Bath: 410 W. Morris St., Bath, NY 14810 (607) 776-3361
Corning: 149 W. Market St., Corning, NY 14830 (607) 962-4668
Painted Post: 243 N. Hamilton St., Painted Post, NY 14870 (607) 962-6811
TIOGA COUNTY
Owego: 203 Main St., Owego, NY 13827 (607) 687-0670
Owego: 1054 State Route 17C, Owego, NY 13827 (607) 687-5757
Waverly: 405 Chemung St., Waverly, NY 14892 (607) 565-8168
TOMPKINS COUNTY
Ithaca: Community Corners, 909 Hanshaw Rd, Ithaca, NY 14850 (607) 257-2194
Ithaca: The Station, 806 W. Buffalo St., Ithaca, NY 14850 (607) 277-2609
CAPITAL REGION
Albany: 1375 Washington Ave., Albany, NY 12206 (518) 434-1212
Albany: 65 Wolf Rd., Suite 107, Albany, NY 12205 (518) 438-0046
Clifton Park: 7 Southside Dr., Clifton Park, NY 12065 (518) 579-2080
Latham: 594 Loudon Rd, Latham, NY 12110 (518) 694-3670
Slingerlands: 1365 New Scotland Rd, Slingerlands, NY 12159 (518) 694-5620
All locations offer 24-hour ATM services. For office hours and a list of all ATMs,
please visit: chemungcanal.com and/or capitalbank.com.
GENERAL INFORMATION 800·836·3711 Member FDIC Equal Housing Lender