2014 Annual Report
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Financial Highlights
(in thousands, except share, per share, and ratio data)
Operating Results – Year Ended December 31
Net interest income
Provision for loan losses
Other operating income:
Securities gains, net
Wealth Management Group fee income
Other income
Other operating expenses:
Merger and acquisition related expenses
Legal settlements
Other expenses
Income tax expense
Net income
At Year End:
Assets
Loans, net
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 equity
Return on average tangible equity
2014
$49,568
$3,981
$6,869
$7,747
$12,140
$115
$4,250
$56,112
$3,709
$8,157
$1,524,539
$1,121,574
$13,686
$1,280,014
$133,628
393
$1.74
$28.44
$22.71
$1.04
4,683,067
1.22%
0.54%
5.74%
7.12%
2013
$46,631
$2,755
$(13)
$7,344
$10,746
% of
Change
6.30%
44.50%
5.49%
12.97%
$1,387
(91.71)%
16.87%
(2.96)%
(6.57)%
3.28%
12.62%
7.12%
1.09%
(3.57)%
0.77%
(6.95)%
(4.15)%
(3.89)%
0.50%
$48,013
$3,822
$8,731
$1,476,143
$995,866
$12,776
$1,266,256
$138,578
390
$1.87
$29.67
$23.63
$1.04
4,659,685
1.28%
0.67%
6.50%
8.12%
Trust Assets Under Administration (market value):
as Fiduciary
as Custodian
$1,485,236
$470,570
$1,955,806
$1,424,491
$463,923
$1,888,414
4.26%
1.43%
3.57%
Common Stock Market Prices & Dividends Paid During Past Two Years
December 31, 2014
4th Quarter
3rd Quarter
2nd Quarter
1st Quarter
$30.70
$31.14
$31.20
$35.90
High
Low
$27.38
$27.00
$27.00
$26.81
Dividends
$0.26
$0.26
$0.26
$0.26
December 31, 2013
4th Quarter
3rd Quarter
2nd Quarter
1st Quarter
High
Low
Dividends
$36.00
$35.85
$34.53
$33.99
$30.23
$30.31
$30.18
$28.41
$0.26
$0.26
$0.26
As of February 28, 2015, there were 1,793 registered holders of record of the Corporation’s stock, which includes
1,196 Non-Objecting Beneficial Owners (“NOBO”) shares held in street name.
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April 2015
Dear Fellow Shareholders:
The banking business is changing quickly and grow-
ing more complex every day. Cyber threats, the revenue
squeeze, regulatory pressures, mobile payments and
baby boomer retirements dominate the banking news
and are challenging most banking companies. We are
pleased to report that your Board of Directors and man-
agement team are not only keeping up but are preparing
us for a bright future. Your Board embraces the regulatory
demands to increase their knowledge and provide strong
oversight. The management team is talented, energetic
and committed to shareholder value. They continue to
execute well against our long-term strategic plan. By all
accounts, 2014 was an unusual and very challenging
year for your company. While our financial results for the
year were clouded by several significant non-recurring
and extraordinary events, which I will explain below, our
core earnings were basically on target. This letter will re-
port on our financial results, describe some of our major
accomplishments of the year and the progress we are
making in meeting these new challenges.
Financial Results
As expected, the historically low interest rate environment
continued to pressure earnings for Chemung Canal and most
banking companies. It appears that much of the asset re-
pricing is behind us and future balance sheet growth should
translate into net interest income and earnings growth.
Net income for the year was $8.2 million and earnings per
share (EPS) were $1.74. Excluding one-time, non-recurring
items, net income and EPS were in line with our expectations
for the year which, coincidentally, were equal to the above. In
2014, $4.8 million in dividends were declared continuing our
long history of uninterrupted dividend payments. Our return
on average assets was 0.54% and our return on average eq-
uity was 5.74%. Our earnings performance was powered by
double-digit loan growth, stable core deposits, higher revenue
in our Wealth Management Group, higher interchange (debit
card) income and disciplined expense control.
Commercial loans increased $100.5 million, or 19.4%,
and consumer and mortgage loans increased $25.2 million
or 5.3% from year earlier levels. In achieving this exceptional
level of growth, we should emphasize that we did not relax
or depart from our conservative underwriting principles. Evi-
denced by the ratio of non-performing assets to total assets,
0.71% at year-end, credit quality remains strong. Demand de-
posits grew $15.1 million or 4.3% while total core deposits
(demand, NOW, savings and money market) grew $46.4 mil-
lion or 4.5% from year earlier levels.
At December 31, 2014, our balance sheet reflects total
assets of $1.5 billion, total loans of $1.1 billion, total depos-
its of $1.3 billion and total shareholders’ equity of $133.6
million. Tangible book value per common share at year-
end was $22.71. In a move to optimize our balance sheet,
lessen capital volatility and
strengthen our regulatory
capital ratios, we took ad-
vantage of an all-time-high
stock market and sold long-
held equity securities gener-
ating a pre-tax gain of $6.3
million. Our capital ratios
exceed the higher minimum
regulatory capital require-
ments for banks under the
new Basel III rules, which
went into effect January 1st.
The market value of total as-
sets under management or
administration in our Wealth
Management Group was
$2.0 billion at year-end.
Ronald Bentley, President & CEO
As previously mentioned,
2014 earnings were impacted
by some extraordinary events.
The Bank was a party in two
legal proceedings
involving
our Wealth Management
Group. In both proceedings,
the Bank, as trustee pursuant
to written trust instruments,
had sought
judicial settle-
ment of trust accounts in New
York’s Surrogate’s Court. For
both proceedings, the Bank
agreed to participate in non-
binding mediation. The me-
diation yielded a settlement
with both parties, which re-
sulted in a pre-tax loss of $4.3 million. Our insurance covered
the remainder of the settlement. We continue to maintain that
these claims were without merit, but believed it to be in our
best interest to settle and put this behind us given the distrac-
tion and excessive costs of litigating such a complex trust issue.
David Dalrymple,
Chairman of the Board
A Comment about Our Stock Price
We remain confident in the long-term value of our stock. We
believe two factors contributed to the decline from recent highs.
First, and as expected, our core earnings declined due primarily
to margin compression. Second, our stock was deleted from
the Russell 3000, an index comprised of the largest 3,000 U.S.
companies based on market capitalization. With the strong
equity market of 2013, many non-financial companies saw
their market capitalization rise significantly. Consequently, the
threshold to be included in the Russell 3000 rose significantly,
and many financial institutions that did not see their market
capitalization rise consistent with non-financial companies,
were deleted from the index. The mutual funds that mirror the
Russell 3000 no longer needed to own CFC stock. As our earn-
ings improve and our market capitalization climbs, we expect to
be added back into the Russell 3000 in the future. We strongly
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believe that CFC is undervalued and an attractive investment
considering our 3.7% dividend (based on a $28 stock price),
our strong balance sheet and commanding market share posi-
tion in many markets.
Growth and Acquisitions
We are pleased to report that the Bank of America
(“BoA”) branch purchase was accretive to earnings in the
first year as we were successful in
redeploying the acquired deposits
out of lower-yielding securities and
into higher-yielding loans at a fast-
er pace than originally projected.
The integration of the six offices
into our operations went flawlessly
and we have been well received in
these markets.
We have built a better
engine to grow our company
organically—we have the
people and products to
compete with anyone.
We again delivered strong or-
ganic growth in 2014. We have built a better engine to grow
our company organically—we have the people and products
to compete with anyone.
Regulatory Environment
The flood of new regulations continues. On the horizon
are new accounting rules for the calculation of the allow-
ance for loan and lease losses and new, higher capital
standards. We are confident in our ability to comply with
these new regulations.
We understand the Superintendent of the New York
Department of Financial Services will promulgate new
cyber security regulations for banks. Touted as the stron-
gest cyber security regulations in the nation, we will move
quickly to adopt these practices and comply with the new
In Memoriam :
Jan P. Updegraff, 1943-2014
This past year, we lost longtime
leader, colleague and friend, Jan P.
Updegraff. Jan devoted almost his
entire career to Chemung Canal Trust
Company, serving as President and
Chief Executive Officer from 1996 to
2006. The Bank grew and prospered
under his leadership. Following his
retirement in 2007, he continued
to serve with distinction on our board of directors. Jan was
a model community banker and played a leadership role in
many community organizations. He made many important
contributions to the quality of life we enjoy today.
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rules because it protects the Bank and our clients. While
burdensome and costly, it is the right thing to do.
Risk Management
Risk management has taken center stage in the banking
industry, and we are pleased to report that we have built a
comprehensive and robust enterprise-wide risk management
program. In a business where trouble can come from so many
different places, we are proactively
managing both current and emerg-
ing risks to the organization.
Other Accomplishments
This past January, we moved
into our new Capital Region
headquarters in downtown Alba-
ny. Located at 132 State Street,
our new regional headquarters
is steps away from the Capitol Building. It is exciting to
be a part of the revitalization of the former Wellington
Row site, which includes a new 204-room Renaissance
by Marriott and a new Convention Center. We are also
in the process of relocating our Clifton Park, NY office to
a more convenient, freestanding building with a two-bay
drive-up and ATM a short distance away from our current
storefront location.
The mobile (Bank-in-Your-Hand) channel is transform-
ing the banking industry and the payments system. Branch
traffic continues to decline and we are rethinking our dis-
tribution and delivery strategy. The fast adoption rate of
mobile and new payments alternatives, such as Apple Pay
and PayPal, has surprised many and has profound implica-
tions for the future of banking. We began offering mobile
check deposit in April. Take a picture of the check to be
deposited and click “Submit.” It’s that easy.
In December, we unveiled our new websites. The new
sites offer many convenient features for our users, in-
cluding Branch/ATM locators with Google Maps, simpler
navigation, social media integration, account selectors
and responsive designs. Responsive designs optimize
the website experience based on how the user is visiting
the page—computer, tablet or mobile.
In most of our markets, we serve an older demograph-
ic. To ensure that we are meeting their financial needs,
we re-examined our product and services. In conducting
this research, we learned that our “49 Forever” was the
best-in-class checking product on the market. If you are a
“mature” consumer, you should check it out.
Later this year, we are planning to reissue all debit
cards with an EMV chip. EMV technology is the global stan-
dard today and provides greater protection for our clients
against identity theft and fraud. In connection with this
card reissue, we will also convert to MasterCard, a debit
card brand with universal merchant acceptance.
Our Big Flats office recognized its 50th anniversary,
and our Montour Falls and Waverly branches celebrated
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Our new regional headquarters located at 132 State Street in Downtown Albany.
their 40th anniversary. We celebrated by hosting week-
long Customer Appreciation events. It was fun for all.
Investing in Our Future Leaders
We continue to invest in our future leaders. Career de-
velopment plans are created and progress is monitored.
We encourage staff to attend professional educational
programs, conferences and seminars to increase their
knowledge and keep them current in their field. This past
year, we established “Leadership Chemung Canal”, a de-
velopment program for high potential employees. We are
getting them ready for when the call comes.
Corporate Citizenship
Hundreds of community, civic and philanthropic or-
ganizations benefit from the support of Chemung Canal.
This may take the form of direct financial support and/
or employees volunteering their personal time to these
causes. Many play a leadership role in these organiza-
tions. Chemung Canal employees give generously of
their time and talents and we are proud of them.
Retirements after a Quarter Century of Service
The following have retired after serving Chemung Canal
for more than 25 years: Audrey Manchester (38 years), Ce-
leste Knickerbocker (35 years), Debbie Stanton (35 years)
and Sandy Jensen (25 years). We thank them for their dedi-
cation and contributions, and we extend our best wishes to
them in retirement. Through a combination of internal profes-
sional development, promotion, and external recruitment, we
have provided for seamless management succession.
Our Board of Directors
At our annual meeting in May, Robert L. Storch will
retire from our Board of Directors. Bob joined our Board
in connection with the 2009 acquisition of the Bank of
Canton and we wish to thank him for his many contribu-
tions to our success over the past six years.
Looking Forward
You can expect us to continue to operate with a con-
servative, community bank business model. Deposits
gathered locally will be channeled back into our local
communities in the form of loans to businesses, indi-
viduals, organizations and other enterprises. We will
continue to build long-term relationships with our cli-
ents and play a vital role in the communities where we
do business. We will be prudent and disciplined in our
lending practices. Decisions will be made locally. We will
deliver a superior client experience. We will control ex-
penses and exploit technology.
We have long held that our business is not about bril-
liant strategy; it is about superior execution. With superior
execution, we will grow earnings and continue to create
value for our shareholders, clients, employees and the
communities where we do business.
A dedicated board of directors and a talented, profes-
sional and motivated staff are required to successfully
meet the challenges facing the financial services industry
and Chemung Canal. We are grateful to have both. We wish
to thank our board of directors for their tireless efforts and
wisdom in guiding this institution. We wish to thank our
employees for their hard work and loyalty. We wish to thank
our clients for their business. And we wish to thank our
shareholders for your continued support and investment
in Chemung Financial Corporation.
Ronald M. Bentley
President & Chief Executive Officer
David J. Dalrymple
Chairman of the Board
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Sitting (left to right) R. Storch, R. Dalrymple, R. Bentley, D. Dalrymple, C. Drinkwater, and J. Potter
Standing (left to right) L. Becker, S. Lounsberry III, R. Swan, B. Boyea, T. Tyrrell, G. T. Tranter Jr., W. Eggers, and E. Sneeringer Jr.
Board of Directors
Ronald M. Bentley
President & 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
& Chief Executive Officer
Security Mutual Life Insurance
Company of New York
David J. Dalrymple
Chairman of the Board
Chemung Financial Corporation,
Chemung Canal Trust Company
and President, Dalrymple
Gravel & Contracting
Robert H. Dalrymple
Vice President & Secretary
Dalrymple Holding Corporation
Clover M. Drinkwater
Partner
Sayles & Evans
William D. Eggers
Senior Counsel
Nixon Peabody LLP
Robert L. Storch
Retired Owner
Storchmont Dairy Farms
Stephen M. Lounsberry III
President
Applied Technology Manufacturing
Richard W. Swan
Chairman of the Board
Swan and Sons-Morss Co., Inc.
John F. Potter
President
Seneca Beverage Corporation
Eugene M. Sneeringer Jr.
Principal
Sneeringer Monahan Provost
Redgrave Title Agency, Inc.
Capital Bank Division Advisory Board
Elizabeth T. Coco
Entrepreneur in Residence
University of Albany
Paul Kasselman
President
Kasselman Electric Inc.
Denise Gonick
President & Chief Executive Officer
MVP Healthcare
Gerald D. Jennings
Former Mayor
City of Albany
Raymond J. Kinley Jr.
Retired President
& Chief Executive Officer
Clough Harbour & Associates
Jim Menzies
Founder, Leontine Consulting LLC
Retired Chief Executive Officer
KeyBank, New York
Gregory Oberting
President
Interstate Commodities, Inc.
Joseph A. Reilly
President
Empire Broadcasting
Mark J. Rosen
President
Dawn Homes Management
G. Thomas Tranter Jr.
President
Corning Enterprises
Thomas R. Tyrrell
Vice President
Rose & Kiernan, Inc.
Dean A. Rueckert
President
Rueckert Advertising
and Public Relations
Edward J. Trombly
Partner
Hiscock & Barclay
Other Information
Dividend Reinvestment and Stock Purchase Plan: Registered shareholders of Chemung Financial Corporation, through The Dividend Reinvestment and Stock Purchase Plan,
may reinvest their dividends or make quarterly cash payments to purchase additional stock of the Corporation. Shareholders not enrolled in the plan may view and print a
descriptive brochure and enrollment form at www.amstock.com or receive the plan documents upon written request to the Corporation’s secretary at the following address:
Chemung Financial Corporation, Attn: Corporate Secretary, P.O Box 1522, Elmira, NY 14902-1522.
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, 2015, 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 amstock.com/proxyservices/viewmaterials.asp.
Annual Meeting: The Annual Meeting of Shareholders will be held on Thursday, May 7, 2015, at 2:00 p.m. at the downtown Holiday Inn, Elmira – Riverview.
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Executive Management Team
Ronald M. Bentley President & Chief Executive Officer • Richard G. Carr Executive Vice President, Business Client Services • Louis C.
DiFabio Executive Vice President, Retail Client Services • Karl F. Krebs Executive Vice President, Chief Financial Officer and Treasurer
• 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 • Pamela D. Burns Senior Vice President, Human Resources •
Michael J. Crimmins Senior Vice President, Support Services • Michael J. Wayne Senior Vice President, Marketing • Brendan P. McCormick
Vice President & Auditor • Kathleen S. McKillip Assistant Treasurer & Corporate Secretary
Senior Vice Presidents
Catherine B. Crandall WMG Estate Administration • Daniel D. Fariello Commercial Lending • Marianne T. Kalec Retail Lending • Robert M. Pichette
Commercial Lending • Timothy P. Rubery Commercial Lending • Thomas J. Whitaker Finance • Thomas W. Wirth, CFA Investment Services
Vice Presidents
Yvonne L. Albee Regulatory Risk • Dawn L. Aubin Auburn Genesee Street Branch • Judy L. Barton Bank Operations • Michael J. Battersby Branch
Administration • Michael D. Blatt, CFA Investment Services • Nikki M. Bower Project Management • Marci L. Cartwright Wealth Management
Group • Andrew C. Day Commercial Lending• Lucimar Foo-Siam Escudero Commercial Credit • Yvette M. Francisco Loan Review • Thomas
E. Funk Finance • Victoria A. Harkins Private Banking • Kevin Harrigan Commercial Lending • James S. Hartle Branch Administration • Craig
B. Heffner Commercial Lending • William M. Hodel Commercial Lending • Mary Keefe Business Services • Christopher K. Kelly Retirement
Services Group • Mark P. Kenjerska Ithaca Commons Branch • Christopher Kennedy Commercial Lending • John T. Kite Commercial
Lending • Michael S. Lares WMG Estate Administration • Ronald W. Lesch Commercial Lending • Christopher B. Loughridge WMG Estate
Administration • Eileen M. McCarthy WMG Support Services • D. Tavis McKeon Branch Administration • J. Edmond Morton IV WMG Regional
Manager • Ronald W. Poole Commercial Lending • Chester L. Reed Commercial Lending • Robert A. Roemmelt Jr. Arnot Road Branch •
Jennifer Sczepanski Branch Administration • John J. Sentigar Information Technology • John E. Shea Wealth Management Group • Michael
R. Smith Cortland Branch • Susan L. Smith Auburn Grant Ave Branch • Theresa A. Wagner Deposit Operations • Sheila A. Washburn Bank
Operations • Kenneth J. Wilson Business Development
Assistant Vice Presidents
Kimberly A. Bailey Canton Branch • Lindsay A. Barrile WMG Estate Administration • David E. Carlson Troy Branch • Richard W. Carroll
Horseheads Branch • Alison Conklin-DeVita Southport Branch • Matthew R. Crabtree Finance • Joel A. Crimmins Commercial Lending •
Gary Earley WMG Estate Administration • Constance L. English Corning Branch • Sandra L. Grooms Ithaca Station Branch • Michael L. Hart
WMG Estate Administration • Scott T. Heffner Marketing • Matthew Keefe Regulatory Risk • Lorri A. Miller Tioga Branch • Jack D. Narosky
Business Development • Mary Anne Narosky Business Client Services • Debra Newcomer Main Office Branch • Randi Richer
Loan Operations • Sheryl J. Scott Big Flats Branch • Andrea L. Seymour Logistical Support • Zoran M. Smiljanic Ithaca South Branch •
Meredith L. Tigue Regulatory Risk • David Wakeman Resource Recovery
Assistant Treasurers
Sherry L. Armstrong Community Corners Branch • Larisa A. Benderskaya Latham Branch • Laura L. Bennett Real Estate Lending • Marcia
L. Boor Business Services • Gregory J. Bruno Clifton Park Branch • Elizabeth M. Courtright Regulatory Risk • Sarah A. Darling Owego
Branch • Cheryl A. DeBlock Binghamton Branch • Karen A. Dimmick Westside Branch • Stephanie L. Gibbons Real Estate Lending •
Tara J. Humphrey Branch Administration • Barbara L. Keller Indirect Lending • Lashonda R. Love State Street Branch • Sharon M. Martin
Elmira Heights Branch • Patrick J. McFarland Regulatory Risk • Julianne E. Meeker Computer Operations • Christine Perlee Wolf Road
Branch • Veronica S. Porter Seneca Falls Branch • Brenda S. Praschunus Montour Falls Branch • Jessica L. Ryan Watkins Glen Branch
• Allison A. Strife Human Resources • Todd N. Trencansky Vestal Branch • Charolette R. Truxal Oakdale Mall Branch • Devin E. Wandell
WMG Estate Administration • Jennifer L. White Bath Branch • Sue A. Williams Waverly Branch • Jean A. Wise-Wicks Painted Post Branch
CFS Group, Inc.
Sean F. Beliles Vice President • Joseph M. Cascio Vice President
Effective as of March 15, 2015.
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Bradford County
CANTON 5 West Main Street • Canton, PA • (570) 673-5127 TOWANDA 304 Main Street • Towanda, PA • (570)
265-7169 TROY 159 Canton Street • Troy, PA • (570) 297-0657
Broome County
BINGHAMTON 127 Court Street • Binghamton, NY • (607) 771-6874 OAKDALE MALL 601-635 Harry L. Drive •
Johnson City, NY • (607) 729-6347 VESTAL 100 Rano Boulevard • Vestal, NY • (607) 797-1721
Cayuga County
AUBURN 120 Genesee Street • Auburn, NY • (315) 255-7810 AUBURN 185 Grant Avenue • Auburn, NY •
(315) 253-7155
Chemung County
BIG FLATS 437 Maple Street • Big Flats, NY • (607) 562-8474 ELMIRA HEIGHTS 100 West McCann’s Boulevard
• Elmira Heights, NY • (607) 734-1323 MAIN OFFICE One Chemung Canal Plaza • Elmira, NY • (607) 737-3711
HORSEHEADS 29 Arnot Road • Horseheads, NY • (607) 739-0373 HORSEHEADS 602 South Main Street • Horseh-
eads, NY • (607) 739-8735 SOUTHPORT 951 Pennsylvania Avenue • Elmira, NY • (607) 734-2111 WESTSIDE 628
West Church Street • Elmira, NY • (607) 734-7204
Cortland County
CORTLAND 1094 State Route 222 • Cortland, NY • (607) 753-1707
Schuyler County
MONTOUR FALLS 303 West Main Street • Montour Falls, NY • (607) 535-7103 WATKINS GLEN 318 North Franklin
Street • Watkins Glen, NY • (607) 535-7186
Seneca County
SENECA FALLS 54 Fall Street • Seneca Falls, NY • (315) 568-5820
Steuben County
BATH 410 West Morris Street • Bath, NY • (607) 776-3361 CORNING 149 West Market Street • Corning, NY • (607)
962-4668 PAINTED POST 243 North Hamilton Street • Painted Post, NY • (607) 962-6811
Tioga County
OWEGO 203 Main Street • Owego, NY • (607) 687-0670 OWEGO 1054 State Route 17C • Owego, NY • (607)
387-5757 WAVERLY 405 Chemung Street • Waverly, NY • (607) 565-8168
Tompkins County
COMMUNITY CORNERS 909 Hanshaw Road • Ithaca, NY • (607) 257-2194 ITHACA SOUTH 304 Elmira Road
• Ithaca, NY • (607) 272-2407 THE STATION 806 West Buffalo Street • Ithaca, NY • (607) 277-2609 THE
COMMONS 202 The Commons • Ithaca, NY • (607) 274-4860
Capital Region
ALBANY 132 State Street • Albany, NY • (518) 434-1212 ALBANY 65 Wolf Road • Albany, NY • (518) 438-0046
CLIFTON PARK 7 Southside Drive • Clifton Park, NY • (518) 579-2080 LATHAM 581 Loudon Road • Latham, NY •
(518) 694-3670 SLINGERLANDS 1365 New Scotland Road • Slingerlands, NY • (518) 694-5620
All locations offer 24-hour ATM services. For office hours and directions, visit chemungcanal.com or capitalbank.com.
General Information: (800) 836-3711 | Member FDIC
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