0000763563-15-000045.txt : 20150313 0000763563-15-000045.hdr.sgml : 20150313 20150313162642 ACCESSION NUMBER: 0000763563-15-000045 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20141231 FILED AS OF DATE: 20150313 DATE AS OF CHANGE: 20150313 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CHEMUNG FINANCIAL CORP CENTRAL INDEX KEY: 0000763563 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 161237038 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35741 FILM NUMBER: 15699671 BUSINESS ADDRESS: STREET 1: ONE CHEMUNG CANAL PLZ STREET 2: P O BOX 1522 CITY: ELMIRA STATE: NY ZIP: 14902 BUSINESS PHONE: 6077373711 MAIL ADDRESS: STREET 1: ONE CHEMUNG CANAL PLZ STREET 2: P O BOX 1522 CITY: ELMIRA STATE: NY ZIP: 14902 10-K 1 chmg10k123114.htm CHEMUNG FINANCIAL CORPORATION FORM 10-K DECEMBER 31, 2014
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K
☒
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2014
OR
☐
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from _______________ to _____________
Commission File Number 0-13888

CHEMUNG FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
NEW YORK
  
16-123703-8
(State or other jurisdiction of incorporation or organization)
  
(I.R.S. Employer Identification No.)
One Chemung Canal Plaza, P.O. Box 1522, Elmira, New York
  
14902
(Address of principal executive offices)
  
(Zip Code)

Registrant's telephone number, including area code:  (607) 737-3711

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
  
Name of each exchange on which registered
Common Stock, Par Value $0.01 Per Share
  
NASDAQ Stock Market, LLC
Securities registered pursuant to Section 12(g) of the Act:
(Title of Class)
None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
YES ☐ NO ☒

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
YES ☐ NO ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
YES ☒ NO ☐

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
YES ☒ NO ☐

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  ☒

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company.  See definition of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
☐
Accelerated filer
☒
Non-accelerated filer
☐
Smaller Reporting Company
☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
YES ☐ NO ☒

Based upon the closing price of the registrant's Common Stock as of June 30, 2014, the aggregate market value of the voting stock held by non-affiliates of the registrant was $100,470,741.

As of March 13, 2015, there were 4,647,320 shares of Common Stock, $0.01 par value, outstanding.

DOCUMENTS INCORPORATED BY REFERENCE
Portions of the Proxy Statement for the Annual Meeting of Shareholders to be held on May 7, 2015 are incorporated by reference into Part III, Items 10, 11, 12, 13, and 14 of this Form 10-K.
CHEMUNG FINANCIAL CORPORATION

ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 2014

Form 10-K Item Number:
  
Page No.
     
PART I
  
 1
     
Item 1.  Business
  
 1
Item 1A. Risk Factors
  
14
Item 1B. Unresolved Staff Comments
  
19
Item 2.  Properties
  
20
Item 3.  Legal Proceedings
  
21
Item 4.  Mine Safety Disclosures
  
21
     
PART II
  
22
     
Item 5.  Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
  
22
Item 6.  Selected Financial Data
  
24
Item 7.  Management's Discussion and Analysis of Financial Condition and Results of Operations
  
26
Item 7A. Quantitative and Qualitative Disclosures about Market Risk
  
46
Item 8.  Financial Statements and Supplementary Data
  
47
Item 9.  Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
  
47
Item 9A. Controls and Procedures
  
47
Item 9B. Other Information
  
48
     
PART III
  
49
     
Item 10. Directors, Executive Officers and Corporate Governance
  
49
Item 11. Executive Compensation
  
49
Item 12. Security Ownership of Certain Beneficial Owners and Management, and Related Stockholder Matters
  
49
Item 13. Certain Relationships and Related Transactions, and Director Independence
  
49
Item 14. Principal Accountant Fees and Services
  
49
     
PART IV
  
50
     
Item 15. Exhibits and Financial Statement Schedules
  
50
     
Index to Consolidated Financial Statements
  
52
     
Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
  
F-1
     
SIGNATURES
  
F-56
Some of the information contained in this report concerning the markets and industry in which we operate is derived from publicly available information and from industry sources.  Although we believe that this publicly available information and information provided by these industry sources are reliable, we have not independently verified the accuracy of any of this information.

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in Part I.

ASU:  Accounting Standards Update
FRBNY:  Federal Reserve Bank of New York
Bank:  Chemung Canal Trust Company
Freddie Mac:  Federal Home Loan Mortgage Corporation
CDO: Collateralized Debt Obligation
GAAP:  U.S. generally accepted accounting principles
Corporation: Chemung Financial Corporation
OTTI:  Other-than-temporary impairment
FASB:  Financial Accounting Standards Board
PCI:  Purchased credit impaired
FDIC:  Federal Deposit Insurance Corporation
SEC:  Securities and Exchange Commission
FHLBNY:  Federal Home Loan Bank of New York
TDRs:  Troubled debt restructurings
FRB:  Board of Governors of the Federal Reserve System
  


PART I

ITEM 1.  BUSINESS

General

Chemung Financial Corporation (the "Corporation") was incorporated on January 2, 1985 under the laws of the State of New York and is headquartered in Elmira, NY.  The Corporation was organized for the purpose of acquiring Chemung Canal Trust Company (the "Bank").  The Bank was established in 1833 under the name Chemung Canal Bank, and was subsequently granted a New York State bank charter in 1895.  In 1902, the Bank was reorganized as a New York State trust company under the name Elmira Trust Company, and its name was changed to Chemung Canal Trust Company in 1903.

The Corporation became a financial holding company in June, 2000.  Financial holding company status provided the Corporation with the flexibility to offer an array of financial services, such as insurance products, mutual funds, and brokerage services, which provide additional sources of fee based income and allow the Corporation to better serve its customers. The Corporation established a financial services subsidiary, CFS Group, Inc., in September 2001 which offers non-banking financial services such as mutual funds, annuities, brokerage services, insurance and tax preparation services.

The Corporation’s Board of Directors has concluded that the expansion of the franchise’s geographic footprint, an increase in the Bank’s earning assets and the generation of new sources of non-interest income are important components of its strategic plan.  Towards that end, in recent years it has completed the following transactions:

·
On May 3, 2007, the Bank acquired the trust business of Partners Trust Bank, Utica, New York.  At the time of the acquisition, the Bank acquired $351.0 million in trust assets.

·
On March 14, 2008, the Bank acquired three branches from Manufacturers and Traders Trust Company in the New York counties of Broome and Tioga.  At the time of the acquisition, the Bank assumed $64.4 million in deposits and acquired $12.6 million in loans.

·
On May 29, 2009, the Corporation acquired Canton Bancorp, Inc., the holding company of Bank of Canton based in Canton, Pennsylvania.  At the time of the merger, Canton Bancorp, Inc. had $81.1 million in assets, $58.8 million in loans and $72.9 million in deposits.

·
On April 8, 2011, the Corporation acquired Fort Orange Financial Corp. (“FOFC”), the holding company of Capital Bank & Trust Company (“Capital Bank”) based in Albany, New York.  At the time of the merger, Capital Bank had $254.4 million in assets, $170.7 million in loans and $199.2 million in deposits.

·
On November 23, 2013, the Bank completed the acquisition of six branch offices from Bank of America located in Cayuga, Cortland, Seneca and Tompkins counties in New York.  As part of the transaction, the Corporation acquired $177.7 million in deposits and $1.2 million in loans.
1

As a result of these transactions and organic growth, the Corporation had $1.525 billion in assets, $1.122 billion in loans, $1.280 billion in deposits and $133.6 million in shareholders’ equity at December 31, 2014.

Growth Strategy

The Corporation’s growth strategy is to leverage its expanding branch network in current or new markets to build client relationships and grow loans and deposits.  Consistent with the Corporation’s community banking model, emphasis is placed on acquiring stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposits to fund high-quality loans.  Expanding the branch network involves branch purchases or opening de novo branches in contiguous markets and acquiring other financial institutions in the Northeast.  The Corporation evaluates acquisition targets based on the economic viability of the markets they are in, the degree to which they can be effectively integrated into the Corporation’s current operations and the degree to which they are accretive to capital and earnings.

Description of Business

The Corporation, through the Bank and CFS Group, Inc., provides a wide range of financial services, including demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, securities and insurance brokerage services.  The Bank derives its income primarily from interest and fees on loans, interest on investment securities, Wealth Management Group fee income and fees received in connection with deposit and other services.  The Bank’s operating expenses are interest expense paid on deposits and borrowings, salaries and employee benefit plans and general operating expenses.

In order to compete with other financial services companies, the Corporation relies upon personal relationships established by its officers, employees and directors with our clients.  The Corporation has maintained a strong community orientation by supporting the active participation of officers and employees in local charitable, civic, school, religious and community development activities.  The Corporation believes that its emphasis on local relationship banking together with a prudent approach to lending, are important factors in its success and growth.

Lending Activities

Lending Strategy

The Corporation’s objective is to channel deposits gathered locally into high-quality, market-yielding loans without taking unacceptable credit and/or interest rate risk.  The Corporation seeks to have a diversified loan portfolio consisting of commercial and agricultural loans, commercial mortgages, residential mortgages, home equity lines of credit and home equity term loans, consumer and indirect auto loans.  The Bank operates with a traditional community bank model where the relationship manager possesses credit skills and has significant influence over credit decisions.  This creates value since clients and prospects know they are dealing with a decision maker.

Lending Authority

The Board of Directors establishes the lending policies, underwriting standards and loan approval limits of the Bank.  In accordance with those policies, the Board of Directors has designated certain officers to consider and approve loans within their designated authority.  These officers exercise substantial authority over credit and pricing decisions, subject to loan committee approval for larger credits.  The Bank recognizes that exceptions to the lending policies may occasionally occur and has established procedures for approving exceptions to these policies.

2


In underwriting loans, primary emphasis is placed on the borrower’s financial condition, including ability to generate cash flow to support the debt and other cash expenses.  In addition, substantial consideration is given to collateral value and marketability as well as the borrower’s character, reputation and other relevant factors.  Interest rates charged by the Bank vary with degree of risk, type, size, complexity, repricing frequency and other relevant factors associated with the loans.  Competition from other financial services companies also impacts interest rates charged on loans.

The Corporation has also implemented reporting systems to monitor loan originations, loan quality, concentration of credit, loan delinquencies, non-performing loans and potential problem loans.

Lending Segments

The Corporation segments its loan portfolio into the following major lending categories: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries.  These loans are of higher risk and typically are made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value.  The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower’s operations or on the value of underlying collateral, if any.

Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, and they therefore pose higher potential losses on an individual customer basis.  Loan repayment is often dependent on the successful operation and management of the properties and/or the businesses occupying the properties, as well as on the collateral securing the loan.  Economic events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company’s commercial real estate loans and on the value of such properties.

Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable.  Credit risk for these types of loans is generally influenced by general economic conditions, the characteristics of individual borrowers and the nature of the loan collateral.

The consumer loan segment includes home equity lines of credit and home equity loans, which exhibit many of the same risk characteristics as residential mortgages.  Indirect and other consumer loans may entail greater credit risk than residential mortgage and home equity loans, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance.  In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.
3

Funding Activities

Funding Strategy

The Corporation’s deposit strategy is to fund the Bank with stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposit accounts.  A checking account is the driver of a banking relationship and consumers consider the bank where they have their checking account as their primary bank.  These customers will typically turn to their primary bank first when in need of other financial services.  The Corporation also considers brokered deposits to be an element of its deposit strategy and anticipates that it will continue using brokered deposits as a secondary source of funding to support growth.  Borrowings may be used on a short-term basis for liquidity purposes or on a long-term basis to fund asset growth.

Funding Sources

The Corporation’s primary sources of funds are deposits, principal and interest payments on loans and securities, borrowings and funds generated from operations of the Bank.  The Bank also has access to advances from the FHLBNY, other financial institutions and the FRBNY.  Contractual loan payments are a relatively stable source of funds, while deposit inflows and outflows and loan prepayments are significantly influenced by general market interest rates and economic conditions.

The Corporation considers core deposits, consisting of non-interest-bearing and interest-bearing checking accounts, savings accounts, and insured money market accounts, to be a significant component of our deposits.  The Corporation monitors the activity on these core deposits and, based on historical experience and pricing strategy, believes it will continue to retain a large portion of such accounts.  The Bank is currently not limited with respect to the rates that it may offer on deposit products.  The Bank believes it is competitive in the types of accounts and interest rates it has offered on its deposit products.  The Bank regularly evaluates the internal cost of funds, surveys rates offered by competitors, reviews cash flow requirements for lending and liquidity, and executes rate changes when necessary as part of its asset/liability management, profitability and growth strategies.

The flow of deposits is influenced significantly by general economic conditions, changes in prevailing interest rates and competition.  The Bank’s deposits are obtained predominantly from the areas in which its retail offices are located.  The Bank relies primarily on customer service, long-standing relationships and other banking services, including loans and wealth management services, to attract and retain these deposits.  However, market interest rates and rates offered by competing financial institutions affect the Bank’s ability to attract and retain deposits.  The Bank utilizes a combination of traditional media, such as print, television, and radio, as well as digital advertising, such as social media and eBlasts, when advertising its deposit products.

Wealth Management Strategy

With $1.956 billion of assets under management or administration at year-end 2014, the Wealth Management Group is responsible for the largest component of non-interest income.  Wealth management services provided by the Bank include services as executor and trustee under wills and agreements, and guardian, custodian, trustee and agent for pension, profit-sharing and other employee benefit trusts, as well as various investment, pension, estate planning and employee benefit administrative services.  The Corporation’s growth strategy also includes the acquisition of trust businesses to generate new sources of fee income.

The Corporation offers an array of financial services including mutual funds, securities and insurance brokerage, tax preparation and other services through CFS Group Inc., its wholly owned subsidiary

For additional information, including information concerning the results of operations of the Corporation and its subsidiaries, see Management's Discussion and Analysis of Financial Condition and Results of Operations in Part II, Item 7.

There were no material changes in the manner of doing business by the Corporation or its subsidiaries during the fiscal year ended December 31, 2014.

4

Market Area and Competition

The Bank operates 34 branch offices located in 11 counties in New York and Bradford County in Pennsylvania.  Bank branch offices are located in the following New York counties:  Chemung, where the Bank is headquartered, Broome, Cayuga, Cortland, Schuyler, Seneca, Steuben, Tioga and Tompkins.  The Bank also operates under the name “Capital Bank, a division of Chemung Canal Trust Company”, with branch offices located in Albany and Saratoga counties in New York.

Albany and Saratoga counties rely heavily on business related to New York State government activities, the nanotechnology industry and colleges located within these counties.  Tompkins County is dominated by the presence of Cornell University and Ithaca College.  The world headquarters of Corning Incorporated, the region’s largest employer, is located in Steuben County.  The remaining New York counties have a combination of service, small manufacturing and tourism related businesses, with colleges located in Broome, Chemung and Cortland counties.

Within all these market areas, the Bank encounters intense competition in the lending and deposit gathering aspects of its business from local, regional and national commercial banks and thrift institutions, credit unions and other providers of financial services, such as brokerage firms, investment companies, insurance companies and internet banking institutions.  The Bank also competes with non-financial institutions, including retail stores and certain utilities that maintain their own credit programs, as well as governmental agencies that make loans to certain borrowers.  Many of these competitors are not subject to regulation as extensive as that affecting the Bank and, as a result, may have a competitive advantage over the Bank in certain respects. This is particularly true of credit unions because their pricing structure is not encumbered by the payment of income taxes.

Similarly, the competition for the Bank's wealth management services is primarily from local offices of national brokerage firms, independent investment advisors, national and regional banks as well as internet based brokerage/advisory firms.  The Bank operates full-service wealth management centers in Chemung and Broome counties in New York.

Employees

As of December 31, 2014, the Corporation and its subsidiaries employed 393 persons on a full-time equivalent basis.  None of the Corporation's employees are covered by collective bargaining agreements, and the Corporation believes that its relationship with its employees is good.

Available Information

The SEC maintains a web site at www.sec.gov that contains reports, proxy and information statements, and other information regarding the Corporation.  You may also read and copy materials we file with the SEC at the SEC's Public Reference Room at 100 F St., NE, Washington, D.C. 20549.  You may obtain information concerning the operation of the Public Reference Room by calling 1-800-SEC-0330.  In addition, we maintain a corporate web site at www.chemungcanal.com.  We make available free of charge through our web site our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and any amendments to those reports filed with the SEC pursuant to Section 13(a) or 15(d) of the Exchange Act.  These items are available as soon as reasonably practicable after we electronically file or furnish such material with the SEC. These items are also available on our web site as Interactive Data Files as required pursuant to Rule 405 of Regulation S-T (§232.405).  The contents of our web site are not a part of this report.  These materials are also available free of charge by written request to: Kathleen S. McKillip, Corporate Secretary, Chemung Canal Trust Company, One Chemung Canal Plaza, Elmira, NY 14901.

Supervision and Regulation

The Corporation and the Bank are subject to comprehensive regulation, supervision and examination by regulatory authorities. Numerous statutes and regulations apply to the Corporation’s and, to a greater extent, the Bank’s, operations, including required reserves, investments, loans, deposits, issuances of securities, payments of dividends and establishment of branches. Set forth below is a brief description of some of these laws and regulations. The description does not purport to be complete, and is qualified in its entirety by reference to the text of the applicable laws and regulations.

5

The Corporation

Bank Holding Company Act

The Corporation is a bank holding company registered with, and subject to regulation and examination by, the Board of Governors of the Federal Reserve System ("Federal Reserve") pursuant to the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Federal Reserve regulates and requires the filing of reports describing the activities of bank holding companies, and conducts periodic examinations to test compliance with applicable regulatory requirements. The Federal Reserve has enforcement authority over bank holding companies, including, among other things, the ability to assess civil money penalties, to issue cease and desist or removal orders, and to require a bank holding company to divest subsidiaries.

The Corporation generally may engage in the activities permissible for a bank holding company, which includes banking, managing or controlling banks, performing certain servicing activities for subsidiaries, and engaging in other activities that the Federal Reserve has determined to be so closely related to banking as to be a proper incident thereto. Because the Corporation also has elected financial holding company status, it may also engage in a broader range of activities that are determined by the Federal Reserve and the Secretary of the Treasury to be financial in nature or incidental to financial activities or activities that are determined by the Federal Reserve to be complementary to a financial activity and that do not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally.

The BHCA prohibits a bank holding company from acquiring direct or indirect ownership or control of more than 5% of the voting shares of any bank, or increasing such ownership or control of any bank, without the prior approval of the Federal Reserve.

New York Law

The Corporation is organized under New York law and is subject to the New York Business Corporation Law, which governs the rights and obligations of directors and shareholders and other corporate matters.

The Corporation is also a bank holding company as defined in the New York Banking Law by virtue of its ownership and control of the Bank. Generally, this means that the New York State Department of Financial Services ("NYSDFS") must approve the Corporation’s acquisition of control of other banking institutions and similar transactions.

Federal Securities Law

The Corporation is subject to the information, reporting, proxy solicitation, insider trading, and other rules contained in the Securities Exchange Act of 1934 (the "Exchange Act"), the disclosure requirements of the Securities Act of 1933 (the “Securities Act”) and the regulations of the SEC thereunder.  In addition, the Corporation must comply with the corporate governance and listing standards of the NASDAQ Stock Market to maintain the listing of its common stock on the exchange. These standards include rules relating to a listed company's board of directors, audit committees and independent director oversight of executive compensation, the director nomination process, a code of conduct and shareholder meetings.

The SEC has adopted certain proxy disclosure rules regarding executive compensation and corporate governance, with which the Corporation must comply. They include:  (i) increased disclosure of stock and option award compensation; (ii) disclosure regarding any potential conflict of interest of any compensation consultants of the Corporation; (iii) enhanced disclosure regarding compensation committee independence and experience, qualifications, skills and diversity of its directors and any director nominees; (iv) “say-on-pay” disclosure; and (v) information relating to the leadership structure of the Corporation’s board of directors and the board’s role in the risk management process. Additionally, these rules require the Corporation to report the voting results of annual meetings in a much more timely manner on Form 8-K, rather than on a quarterly or annual report.
6

Sarbanes-Oxley Act of 2002

The Corporation is also subject to the Sarbanes-Oxley Act of 2002 (the “Sarbanes-Oxley Act”).  The Sarbanes-Oxley Act revised the laws affecting public companies’ corporate governance, accounting obligations, and corporate reporting by: (i) creating a new federal accounting oversight body; (ii) revamping auditor independence rules; (iii) enacting new corporate responsibility and governance measures; (iv) enhancing disclosures by public companies, their directors, and their executive officers; (v) strengthening the powers and resources of the SEC; and (vi) imposing new criminal and civil penalties for securities fraud and related wrongful conduct.

The SEC has adopted regulations under the Sarbanes-Oxley Act, including: (i) executive compensation disclosure rules; (ii) standards of independence for directors who serve on the Corporation’s audit committee; (iii) disclosure requirements as to whether at least one member of the Corporation’s audit committee qualifies as a “financial expert” as defined in the SEC regulations; (iv) whether the Corporation has adopted a code of ethics applicable to its chief executive officer, chief financial officer, or those persons performing similar functions; (v) and disclosure requirements regarding the operations of board nominating committees and the means, if any, by which security holders may communicate with directors.

Support of Subsidiary Banks

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), discussed in the section of this document entitled “Additional Important Legislation and Regulation”, codifies the Federal Reserve’s long-standing policy of requiring bank holding companies to act as a source of financial and managerial strength to their subsidiary banks, as a statutory requirement. Under this requirement, the Corporation is expected to commit resources to support its banking subsidiaries, including at times when it may not be advantageous for the Corporation to do so.

The Bank

General

The Bank is a commercial bank chartered under the laws of New York State and is supervised by the NYSDFS.  The Bank also is a member bank of the Federal Reserve System and, therefore, the Federal Reserve serves as its primary federal regulator. The FDIC insures the Bank’s deposit accounts up to applicable limits. The Bank must file reports with the Federal Financial Institution Examination Council (“FFIEC”), the Federal Reserve and the FDIC concerning its activities and financial condition and must obtain regulatory approval before commencing certain activities or engaging in transactions such as mergers and other business combinations or the establishment, closing, purchase or sale of branch offices.  This regulatory structure gives the regulatory authorities extensive discretion in the enforcement of laws and regulations and the supervision of the Bank.

Loans to One Borrower

The Bank generally may not make a loan or extend credit to a single or related group of borrowers in excess of 15% of its unimpaired capital and surplus.  Up to an additional 10% of unimpaired capital and surplus can be lent if the additional amount is fully secured by readily marketable collateral.  At December 31, 2014, the Bank’s legal lending limit on loans to one borrower was $20.5 million for loans not fully secured by readily marketable collateral and $22.6 million for loans secured by readily marketable collateral.  The Bank’s internal limit on loans is set at $15.0 million.  At that date, the Bank did not have any loans or agreements to extend credit to a single or related group of borrowers in excess of its legal lending limit.

Branching

Subject to the approval of the NYSDFS, New York chartered commercial banks may establish branch offices anywhere within New York State, except in communities having populations of less than 50,000 inhabitants in which another New York chartered commercial bank or a national bank has its principal office.  Additionally, under the Dodd-Frank Act, state chartered banks may generally branch into other states to the same extent as commercial banks chartered under the laws of that state may branch.

7

Payment of Dividends

The Bank is subject to substantial regulatory restrictions relating to its ability to pay dividends to the Corporation.  Under Federal Reserve and NYSDFS regulations, the Bank may not pay a dividend without prior approval of the Federal Reserve and the NYSDFS if the total amount of all dividends declared during such calendar year, including the proposed dividend, exceeds the sum of its retained net income to date during the calendar year and its retained net income over the preceding two calendar years. As of December 31, 2014, approximately $13.6 million was available for the payment of dividends by the Bank to the Corporation without prior approval.  The Bank's ability to pay dividends also is subject to the Bank being in compliance with regulatory capital requirements.  The Bank is currently in compliance with these requirements.

Federal Reserve System

All depository institutions must maintain with a Federal Reserve Bank reserves against their transaction accounts (primarily checking, NOW, and Super NOW accounts) and non-personal time accounts. As of December 31, 2014, the Bank was in compliance with applicable reserve requirements. In all years preceding 2008, these reserves were maintained as vault cash or noninterest-bearing accounts, thereby reducing the Bank’s earnings potential.  In the fourth quarter of 2008, the Federal Reserve Banks announced that they would begin to pay interest on member banks’ required reserve balances, as well as excess reserve balances.

Standards for Safety and Soundness

The Federal Reserve has adopted guidelines prescribing safety and soundness standards. These guidelines establish general standards relating to capital adequacy, asset quality, management, earnings performance, liquidity and sensitivity to market risk.  In evaluating these safety and soundness standards, the Federal Reserve also evaluates internal controls and information systems, internal audit systems, loan documentation, credit underwriting, exposure to changes in interest rates, asset growth, compensation, fees, and benefits.  In general, the guidelines require appropriate systems and practices to identify and manage the risks and exposures specified in the guidelines.  The Federal Reserve may order an institution that has been given notice that it is not satisfying these safety and soundness standards to submit a compliance plan, and if an institution fails to do so, the Federal Reserve must issue an order directing action to correct the deficiency and may issue an order directing other action. If an institution fails to comply with such an order, the Federal Reserve may seek to enforce such order in judicial proceedings and to impose civil money penalties.

Real Estate Lending Standards

The Federal Reserve has adopted guidelines that generally require each Federal Reserve state member bank to establish and maintain written internal real estate lending standards that are consistent with safe and sound banking practices and appropriate to the size of the bank and the nature and scope of its real estate lending activities. The standards also must be consistent with accompanying Federal Reserve guidelines, which include loan-to-value ratios for the different types of real estate loans.

Transactions with Related Parties

The Federal Reserve Act governs transactions between the Bank and its affiliates, including the Corporation and CFS Group, Inc.  In general, an affiliate of the Bank is any company that controls, is controlled by, or is under common control with the Bank. Generally, the Federal Reserve Act limits the extent to which the Bank or its subsidiaries may engage in “covered transactions” with any one affiliate to 10% of the Bank’s capital stock and surplus, and contains an aggregate limit of 20% of capital stock and surplus for covered transactions with all affiliates. Covered transactions include loans, asset purchases, the issuance of guarantees, and similar transactions. The Bank's loans to insiders must be made on terms that are substantially the same as, and follow credit underwriting procedures that are not less stringent than, those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other unfavorable features.  The loans are also subject to maximum dollar limits and must generally be approved by the Board.

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Deposit Insurance

The FDIC insures the deposits of the Bank up to regulatory limits and the deposits are subject to the deposit insurance premium assessments of the Deposit Insurance Fund ("DIF"). The FDIC currently maintains a risk-based assessment system under which assessment rates vary based on the level of risk posed by the institution to the DIF.  The assessment rate may, therefore, change after any of these measurements change.

The FDIC has adopted a final rule making certain changes to the deposit insurance assessment system.  Among other things, the rule revised the assessment rate schedule effective April 1, 2011, and adopted additional rate schedules that will go into effect when the DIF reserve ratio reaches various milestones. The rule changed the deposit insurance assessment system from one that was based on domestic deposits to one that is based on average consolidated total assets minus average tangible equity. In addition, the rule provides that FDIC dividend payments will be suspended if the DIF reserve ratio exceeds 1.5 percent but that assessment rates will decrease when the DIF reserve ratio reaches certain thresholds.

All institutions with deposits insured by the FDIC are required to pay assessments to fund interest payments on bonds issued by the Financing Corporation ("FICO"), an agency of the federal government established to recapitalize the former Savings Association Insurance Fund. These assessments will continue until the FICO bonds mature in 2017.  The FDIC's FICO assessment authority is separate from its authority to assess risk-based premiums for deposit insurance. The FICO assessment rate is adjusted quarterly to reflect changes in the assessment bases of the fund and is not risk-based by institution.  The FICO assessment rate for the first quarter of 2015, due December 31, 2014, was 0.000375% of insured deposits.

Regulatory Capital Requirements

Current Federal Reserve regulations require state member banks to meet three minimum capital standards, which are:
•            a minimum tangible capital ratio requirement of 1.5% of tangible capital to adjusted total assets;
• a general minimum leverage ratio requirement of 4.0% of core capital to adjusted total assets (minimum of 3% for certain banks that have been assigned the highest composite rating under the Uniform Financial Institutions Ratings System); and
• a minimum risk-based capital ratio requirement of 8.0% of core and supplementary capital to total risk-weighted assets, provided that the amount of supplementary capital used to satisfy this requirement may not exceed 100% of core capital.

On October 11, 2013, the Federal Reserve approved a final rule that amends the regulatory capital rules for state member banks effective January 1, 2015. The Federal Reserve approved the new capital rules in coordination with substantially identical final rules approved by the FDIC and the Office of the Comptroller of the Currency for other types of banking organizations.  The revisions make the capital rules consistent with agreements that were reached by the Basel Committee on Banking Supervision (“Basel III”) and certain provisions of the Dodd-Frank Act.  In general, the new capital rules revise regulatory capital definitions and minimum ratios; redefine Tier 1 Capital as two components (common equity Tier 1 capital and additional Tier 1 capital); create a new “common equity Tier 1 risk-based capital ratio”; implement a capital conservation buffer; revise prompt corrective action thresholds; and change risk weights for certain assets and off-balance sheet exposures.

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The new capital rules implement a revised definition of regulatory capital, a new common equity Tier 1 minimum capital requirement of 4.5%, and a higher minimum Tier 1 capital requirement of 6.0% (which is an increase from 4.0%). Under the new rules, the total capital ratio remains at 8.0%, and the minimum leverage ratio (Tier 1 capital to total assets) for all banking organizations, regardless of supervisory rating, is 4.0%. Additionally, under the new capital rules, in order to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization must hold a capital conservation buffer composed of common equity Tier 1 capital above its minimum risk-based capital requirements. The buffer is measured relative to risk-weighted assets. The final rules also enhance risk sensitivity and address weaknesses identified by the regulators over recent years with the measure of risk-weighted assets, including through new measures of creditworthiness to replace references to credit ratings, consistent with the requirements of the Dodd-Frank Act.

The new capital requirements also include changes in the risk-weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (up from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and the unsecured portion of non-residential mortgage loans that are 90 days past due or otherwise on nonaccrual status; a 20% (up from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable; a 250% risk weight (up from 100%) for mortgage servicing rights and deferred tax assets that are not deducted from capital; and increased risk weights (from 0% to up to 600%) for equity exposures.

The new minimum capital requirements generally become effective for all banking organizations (except for the largest internationally active banking organizations) on January 1, 2015, whereas the capital conservation buffer and the deductions from common equity Tier 1 capital phase in over time, beginning on January 1, 2016.

The Corporation is subject to Federal Reserve capital requirements applicable to bank holding companies, which are similar to those applicable to the Bank.

In assessing a state member bank’s capital adequacy, the Federal Reserve takes into consideration not only these numeric factors but also qualitative factors, and has the authority to establish higher capital requirements for individual banks where necessary. The Bank, in accordance with its internal prudential standards, targets as its goal the maintenance of capital ratios which exceed these minimum requirements and that are consistent with its risk profile.  As of December 31, 2014, the Bank exceeded all regulatory capital ratios necessary to be considered well capitalized.

Prompt Corrective Action

The Federal Deposit Insurance Act (the “FDIA”) requires the federal banking agencies to resolve the problems of insured banks at the least possible loss to the DIF. The Federal Reserve has adopted prompt corrective action regulations to carry out this statutory mandate. The Federal Reserve’s regulations authorize, and in some situations, require, the Federal Reserve to take certain supervisory actions against undercapitalized state member banks, including the imposition of restrictions on asset growth and other forms of expansion. The prompt corrective action regulations place state member banks in one of the following five categories based on the bank’s capital:
•            well capitalized
•            adequately capitalized
•            undercapitalized
•            significantly undercapitalized
•            critically undercapitalized

The new capital rules described above under “Regulatory Capital Requirements” maintain the general structure of the current prompt corrective action framework while increasing some of the thresholds for the prompt corrective action capital categories. For example, an adequately capitalized bank is required to maintain a Tier 1 risk-based capital ratio of 6.0% (increased from the current level of 4.0%). The rule also introduces the common equity Tier 1 capital ratio as a new prompt corrective action capital category threshold.
 
As an institution’s capital decreases within the three undercapitalized categories listed above, the severity of the action that is authorized or required to be taken by the Federal Reserve for state member banks under the prompt corrective action regulations increases. All banks are prohibited from paying dividends or other capital distributions or paying management fees to any controlling person if, following such distribution, the bank would be undercapitalized. The Federal Reserve is required to monitor closely the condition of an undercapitalized institution and to restrict the growth of its assets.
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An undercapitalized state member bank is required to file a capital restoration plan with the Federal Reserve within 45 days (or other timeframe prescribed by the Federal Reserve) of the date the bank receives notice that it is within any of the three undercapitalized categories, and the plan must be guaranteed by its parent holding company, subject to a cap on the guarantee that is the lesser of: (i) an amount equal to 5.0% of the bank’s total assets at the time it was notified that it became undercapitalized; and (ii) the amount that is necessary to restore the bank’s capital ratios to the levels required to be classified as “adequately classified,” as those ratios and levels are defined as of the time the bank failed to comply with the plan. If the bank fails to submit an acceptable plan, it is treated as if it were “significantly undercapitalized.” Banks that are significantly or critically undercapitalized are subject to a wider range of regulatory requirements and restrictions.
 
Federal Home Loan Bank

The Bank is also a member of the FHLBNY, which provides a central credit facility primarily for member institutions for home mortgage and neighborhood lending. The Bank is subject to the rules and requirements of the FHLBNY, including the requirement to acquire and hold shares of capital stock in the FHLBNY. The Bank was in compliance with the rules and requirements of the FHLBNY at December 31, 2014.

Community Reinvestment Act

Under the federal Community Reinvestment Act (the “CRA”), the Bank, consistent with its safe and sound operation, must help meet the credit needs of its entire community, including low and moderate income neighborhoods.  The Federal Reserve periodically assesses the Bank's compliance with CRA requirements.  The Bank received a “satisfactory” rating for CRA on its last performance evaluation conducted by the Federal Reserve as of May 19, 2014.

Fair Lending and Consumer Protection Laws

The Bank must also comply with the federal Equal Credit Opportunity Act and the New York Executive Law, which prohibit creditors from discrimination in their lending practices on bases specified in these statutes. In addition, the Bank is subject to a number of federal statutes and regulations implementing them, which are designed to protect the general public, borrowers, depositors, and other customers of depository institutions. These include the Bank Secrecy Act, the Truth in Lending Act, the Home Ownership and Equity Protection Act, the Truth in Savings Act, the Home Mortgage Disclosure Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Electronic Funds Transfers Act, the Fair Credit Reporting Act, the Right to Financial Privacy Act, the Expedited Funds Availability Act, the Flood Disaster Protection Act, the Fair Debt Collection Practices Act, Helping Families Save Their Homes Act, and the Consumer Protection for Depository Institutions Sales of Insurance regulation.  The Federal Reserve and, in some instances, other regulators, including the U.S. Department of Justice, the Federal Trade Commission (“FTC”), the Consumer Financial Protection Bureau  (“CFPB”) and state Attorneys General, may take enforcement action against institutions that fail to comply with these laws.

Prohibitions Against Tying Arrangements

Subject to some exceptions, the BHCA and Federal Reserve regulations prohibit  banks from extending credit to or offering any other service, or fixing or varying the consideration for such extension of credit or service, on the condition that the customer obtain some additional service from the bank or its affiliates or not obtain services of a competitor of the bank.

Privacy Regulations

Federal Reserve regulations generally require the Bank to disclose its privacy policy.  The policy must identify with whom the Bank shares its customers’ “nonpublic personal information,” at the time of establishing the customer relationship and annually thereafter. In addition, the Bank must provide its customers with the ability to “opt out” of having their personal information shared with unaffiliated third parties and not to disclose account numbers or access codes to non-affiliated third parties for marketing purposes.  The Bank’s privacy policy complies with Federal Reserve regulations.



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The USA PATRIOT Act

The Bank is subject to the USA PATRIOT Act, which gives the federal government powers to address terrorist threats through enhanced domestic security measures, expanded surveillance powers, increased information sharing, and broadened anti-money laundering requirements. The USA PATRIOT Act imposes affirmative obligations on financial institutions, including the Bank, to establish anti-money laundering programs which require: (i) the establishment of internal policies, procedures, and controls; (ii) the designation of an anti-money laundering compliance officer; (iii) ongoing employee training programs; and (iv) an independent audit function to test the anti-money laundering program. The Federal Reserve must consider the Bank’s effectiveness in combating money laundering when ruling on merger and other applications.

CFS Group, Inc.

CFS Group, Inc. is subject to supervision by other regulatory authorities as determined by the activities in which it is engaged.  Insurance activities are supervised by the NYSDFS, and brokerage activities are subject to supervision by the SEC and the Financial Industry Regulatory Authority ("FINRA").

Additional Important Legislation and Regulation

The Dodd-Frank Act

The Dodd-Frank Act, enacted on July 21, 2010, significantly changed the bank regulatory landscape and has impacted and will continue to impact the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare various studies and reports for Congress. We have summarized below significant rules adopted by the federal agencies pursuant to the Dodd-Frank Act.

Consumer Financial Protection Bureau Rules

The Dodd-Frank Act created the CFPB, with wide-ranging powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit "unfair, deceptive or abusive" acts and practices. The CFPB has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. The Dodd-Frank Act also weakened the federal preemption rules that have been applicable to national banks and federal savings associations, and gives state attorneys general certain powers to enforce federal consumer protection regulations.

The CFPB has issued several new rules pursuant to the Dodd-Frank Act concerning the regulation of mortgage markets in the U.S. The rules amend several existing regulations, including Regulation Z, which implements the Truth in Lending Act, Regulation X, which implements the Real Estate Settlement Procedures Act and Regulation B, which implements the Equal Credit Opportunity Act.  The CFPB has also issued amendments to Regulation P, which governs information privacy and Regulation E, which implements the Electronic Funds Transfers Act.

In December 2013, the Federal Reserve and the SEC released final rules to implement the provisions of the Dodd-Frank Act, commonly known as the “Volcker Rule.” The Volcker Rule, among other things, prohibits banking entities from engaging in proprietary trading and from sponsoring, having an ownership interest in or having certain relationships with a hedge fund or private equity fund, subject to certain exemptions.  At December 31, 2014, we were not engaged in any activities and we did not have any ownership interests in any funds that are not permitted under the Volcker Rule.

Securities and Exchange Commission Rules

As discussed above under “Federal Securities Law”, pursuant to the Dodd-Frank Act, the SEC has issued regulations that provide the shareholders of public companies with an advisory vote on: i) executive compensation ("say-on-pay" votes); ii) the desired frequency of say-on-pay votes; and iii) compensation arrangements and understandings in connection with merger transactions, known as "golden parachute" arrangements. The SEC has also adopted corporate governance regulations that provide to shareholders of companies subject to the SEC’s proxy rules: i) the opportunity to nominate directors at a shareholder meeting and to have their nominees included in the company proxy materials sent to all shareholders; and ii) the ability to use the shareholder proposal process to establish procedures for the inclusion of shareholder director nominations in company proxy materials.
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Banking Agency Rules

As discussed above under “Regulatory Capital Requirements”, pursuant to the Dodd-Frank Act, the Federal Reserve and the other federal banking agencies have established minimum leverage and risk-based capital requirements for insured depository institutions and bank holding companies.

The Dodd-Frank Act directs the federal banking regulators to promulgate rules requiring the reporting of incentive-based compensation and prohibiting excessive incentive-based compensation paid to executives of depository institutions and their holding companies with assets in excess of $1.0 billion.  In April 2011, the Federal Reserve, along with other federal banking supervisors, issued a joint notice of proposed rulemaking implementing those requirements.

Many other provisions of the Dodd-Frank Act still require extensive rulemaking, guidance and interpretation by regulatory agencies. Accordingly, in many respects, the ultimate impact of the legislation and its effects on the Corporation and the Bank remain uncertain. We are continuing to closely monitor and evaluate regulatory developments. Such developments could adversely affect our financial condition and results of operations through significant increases in our regulatory compliance costs.

Gramm-Leach-Bliley Act

Under the privacy and data security provisions of the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act ("GLB Act"), and rules promulgated thereunder, all financial institutions, including the Corporation, the Bank and CFS Group, Inc., are required to establish policies and procedures to restrict the sharing of nonpublic customer data with nonaffiliated parties at the customer's request and to protect customer data from unauthorized access. In addition, the Fair Credit Reporting Act ("FCRA"), as amended by the Fair and Accurate Credit Transactions Act of 2003 ("FACT Act"), includes many provisions affecting the Corporation, Bank, and/or CFS Group, Inc., including provisions concerning obtaining consumer reports, furnishing information to consumer reporting agencies, maintaining a program to prevent identity theft, sharing of certain information among affiliated companies, and other provisions.  For instance, FCRA requires persons subject to FCRA to notify their customers if they report negative information about them to a credit bureau or if they are granted credit on terms less favorable than those generally available. The Federal Reserve and the FTC have extensive rulemaking authority under the FACT Act, and the Corporation and the Bank are subject to the rules that have been promulgated by the Federal Reserve and FTC thereunder, including recent rules regarding limitations on affiliate marketing and implementation of programs to identify, detect and mitigate the risk of identity theft through red flags. The Corporation has developed policies and procedures for itself and its subsidiaries to maintain compliance and believes it is in compliance with all privacy, information sharing and notification provisions of the GLB Act and FCRA.

The GLB Act and FCRA also impose requirements regarding data security and the safeguarding of customer information. The Bank is subject to the Interagency Guidelines Establishing Information Security Standards (“Security Guidelines”), which implement section 501(b) of the GLB Act and section 216 of the FACT Act. The Security Guidelines establish standards relating to administrative, technical, and physical safeguards to ensure the security, confidentiality, integrity and the proper disposal of customer information.  The Bank believes it is in compliance with all such standards.

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ITEM 1A.  RISK FACTORS

The Corporation’s business is subject to many risks and uncertainties.  Although the Corporation seeks ways to manage these risks and develop programs to control those that management can control, the Corporation ultimately cannot predict the extent to which these risks and uncertainties could affect our results.  Actual results may differ materially from management's expectations.  The material risks and uncertainties that management believes affect the Corporation are discussed below.  You should consider all of the following risks together with all of the other information in this Annual Report on Form 10-K.

Economic conditions may adversely affect the Corporation’s financial performance.

A decline or prolonged weakness in business and economic conditions generally or specifically in the principal markets in which the Corporation does business could have one or more of the following adverse effects on the Corporation’s business: (i) a decrease in the demand for loans and other products and services; (ii) a decrease in the value of the Corporation’s loans or other assets secured by consumer or commercial real estate; (iii) an impairment of certain of the Corporation’s intangible assets, such as goodwill; and (iv) an increase in the number of borrowers and counterparties who become delinquent, file for protection under bankruptcy laws or default on their loans or other obligations to the Corporation.  Additionally, in light of economic conditions, the Corporation’s ability to assess the creditworthiness of its customers may be impaired if the models and approaches that it uses to select, manage and underwrite loans become less predictive of future behaviors.  Further, competition in the Corporation’s industry may intensify as a result of consolidation of financial services companies in response to market conditions and the Corporation may face increased regulatory scrutiny, which may increase its costs and limit its ability to pursue business opportunities.

Commercial real estate and business loans increase the Corporation’s exposure to credit risks.

At December 31, 2014, the Corporation’s portfolio of commercial real estate and business loans totaled $619 million or 55.2% of total loans.  The Corporation plans to continue to emphasize the origination of these types of loans, which generally expose the Corporation to a greater risk of nonpayment and loss than residential real estate or consumer loans because repayment of commercial real estate and business loans often depends on the successful operations and income stream of the borrower’s business.  Additionally, such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to residential real estate and consumer loans.  Also, some of the Corporation’s borrowers have more than one commercial loan outstanding. Consequently, an adverse development with respect to one loan or one credit relationship can expose the Corporation to a significantly greater risk of loss compared to an adverse development with respect to residential real estate and consumer loans.  The Corporation targets its business lending and marketing strategy towards small to medium-sized businesses.  These small to medium-sized businesses generally have fewer financial resources in terms of capital or borrowing capacity than larger entities.  If general economic conditions negatively impact these businesses, the Corporation’s results of operations and financial condition may be adversely affected.

Increases to the allowance for loan losses may cause the Corporation’s earnings to decrease.

The Corporation’s customers may not repay their loans according to the original terms, and the collateral securing the payment of those loans may be insufficient to pay any remaining loan balance.  Hence, we may experience significant loan losses, which could have a material adverse effect on our operating results.  Management makes various assumptions and judgments about the collectability of its loan portfolio, including the creditworthiness of its borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans.  In determining the amount of the allowance for loan losses, management relies on loan quality reviews, past loss experience, and an evaluation of economic conditions, among other factors.  If these assumptions prove to be incorrect, the allowance for loan losses may not be sufficient to cover losses inherent in the Corporation’s loan portfolio, resulting in additions to the allowance.  Material additions to the allowance would materially decrease net income.

The Corporation’s emphasis on the origination of commercial loans is one of the more significant factors in evaluating its allowance for loan losses.  As the Corporation continues to increase the amount of these loans, additional or increased provisions for loan losses may be necessary, which could result in a decrease in earnings.


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Bank regulators periodically review the Corporation’s allowance for loan losses and may require the Corporation to increase its provision for loan losses or loan charge-offs. Any increase in the allowance for loan losses or loan charge-offs as required by these regulatory authorities could have a material adverse effect on our results of operations and/or financial condition.

Changes in interest rates could adversely affect the Corporation’s results of operations and financial condition.

The Corporation’s results of operations and financial condition are significantly affected by changes in interest rates.  Our financial results depend substantially on net interest income, which is the difference between the interest income that we earn on interest-earning assets and the interest expense paid on interest-bearing liabilities.  If the Corporation’s interest-earning assets mature or reprice more quickly than its interest-bearing liabilities in a given period as a result of decreasing interest rates, net interest income may decrease.  Likewise, net interest income may decrease if interest-bearing liabilities mature or reprice more quickly than interest-earning assets in a given period as a result of increasing interest rates.  The Corporation has taken steps to mitigate this risk, such as holding fewer longer-term residential mortgages, as well as investing excess funds in shorter-term investments.

Changes in interest rates also affect the fair value of the Corporation’s interest-earning assets and, in particular, its investment securities available for sale.  Generally, the fair value of investment securities fluctuates inversely with changes in interest rates.  Decreases in the fair value of investment securities available for sale, therefore, could have an adverse effect on our shareholders’ equity or earnings if the decrease in fair value is deemed to be other than temporary.

Changes in interest rates may also affect the average life of loans and mortgage-related securities.  Decreases in interest rates can result in increased prepayments of loans and mortgage-related securities, as borrowers refinance to reduce borrowing costs.  Under these circumstances, the Corporation is subject to reinvestment risk to the extent that it is unable to reinvest the cash received from such prepayments at rates that are comparable to the rates on its existing loans and securities.  Additionally, increases in interest rates may decrease loan demand and make it more difficult for borrowers to repay adjustable rate loans.

Strong competition within our industry and market area could limit the Corporation’s growth and profitability.

The Corporation faces substantial competition in all phases of its operations from a variety of different competitors.  Future growth and success will depend on the ability to compete effectively in this highly competitive environment. The Corporation competes for deposits, loans and other financial services with a variety of banks, thrifts, credit unions and other financial institutions as well as other entities, which provide financial services.  Some of the financial institutions and financial services organizations with which we compete are not subject to the same degree of regulation as the Corporation. Many competitors have been in business for many years, have established customer bases, are larger, and have substantially higher lending limits.  The financial services industry is also likely to become more competitive as further technological advances enable more companies to provide financial services.  These technological advances may diminish the importance of depository institutions and other financial intermediaries in the transfer of funds between parties.

The Corporation’s growth strategy may not prove to be successful and our market value and profitability may suffer.

As part of the Corporation's strategy for continued growth, we may open additional branches.  New branches do not initially contribute to operating profits due to the impact of overhead expenses and the start-up phase of generating loans and deposits.  To the extent that additional branches are opened, the Corporation may experience the effects of higher operating expenses relative to operating income from the new operations, which may have an adverse effect on the Corporation's levels of net income, return on average equity and return on average assets.

In addition, the Corporation may acquire banks and related businesses that it believes provide a strategic fit with its business, such as the 2011 acquisition of FOFC and the 2013 acquisition of six branches of Bank of America.  To the extent that the Corporation grows through acquisitions, it cannot provide assurance that such strategic decisions will be accretive to earnings.


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Compliance with the Dodd-Frank Act may increase the Corporation’s costs of operations and adversely affect the Corporation’s earnings and financial condition.

The Dodd-Frank Act represents a significant overhaul of many aspects of the regulation of the financial-services industry. Among other things, the Dodd-Frank Act creates the CFPB, tightens capital standards, imposes clearing and margining requirements on many derivatives activities, and generally increases oversight and regulation of financial institutions and financial activities.

In addition to the self-implementing provisions of the statute, the Dodd-Frank Act calls for many administrative rulemakings by various federal agencies to implement various parts of the legislation.  While regulators have adopted a number of new rules required by the Dodd-Frank Act, others have not been proposed or if proposed, not been adopted in final form.  The Corporation cannot be certain when final rules affecting it will be issued through such rulemakings, and what the specific content of such rules will be. The financial reform legislation and any implementing rules that are ultimately issued could have adverse implications on the financial industry, the competitive environment, and the Corporation’s ability to conduct business. The Corporation will have to apply resources to ensure that it is in compliance with all applicable provisions of the Dodd-Frank Act and any implementing rules, which may increase the Corporation’s costs of operations and adversely impact its earnings.

The Corporation operates in a highly regulated environment and may be adversely affected by changes in laws and regulations.

Currently, the Corporation and its subsidiaries are subject to extensive regulation, supervision, and examination by regulatory authorities.  For example, the Federal Reserve regulates the Corporation and the Federal Reserve, the FDIC and the NYSDFS regulate the Bank.  Such regulators govern the activities in which the Corporation and its subsidiaries may engage.  These regulatory authorities have extensive discretion in connection with their supervisory and enforcement activities, including the imposition of restrictions on the operation of a bank, the classification of assets by a bank, and the adequacy of a bank’s allowance for loan losses.  Any change in such regulation and oversight, whether in the form of regulatory policy, regulations, or legislation, could have a material impact on the Corporation and its operations.  The Corporation believes that it is in substantial compliance with applicable federal, state and local laws, rules and regulations.  Because our business is highly regulated, the laws, rules and applicable regulations are subject to regular modification and change.  There can be no assurance that proposed laws, rules and regulations, or any other law, rule or regulation, will not be adopted in the future, which could make compliance more difficult or expensive or otherwise adversely affect our business, financial condition or prospects.

The impending capital requirement changes from Basel III discussed in Item 1 - “Business-Supervision and Regulation”, could have a material adverse impact on the Corporation. Even though the Bank exceeds current and proposed minimum regulatory capital levels, adverse changes to residential mortgage risk weights, new requirements for common equity capital, inclusion of accumulated other comprehensive income in regulatory capital, the phase out of trust preferred securities, along with the adoption of new capital conservation buffers would reduce the Bank's current capital position and over time could cause the Bank to fail to meet minimum regulatory requirements. These capital positions are subject to volatility due to changes in interest rates and credit spreads.  Although there is a phase-in period in the proposed rules, other factors such as the low interest rate environment, slow economic recovery, and further constraints on profitability by regulators could impact the Bank's ability to meet the new regulatory minimums once the phase-in periods have ended.

The Corporation is a holding company and depends on its subsidiaries for dividends, distributions and other payments.

The Corporation is a legal entity separate and distinct from the Bank and other subsidiaries.  Its principal source of cash flow, including cash flow to pay dividends to its shareholders, is dividends from the Bank.  There are statutory and regulatory limitations on the payment of dividends by the Bank to the Corporation, as well as by the Corporation to its shareholders.  Federal Reserve regulations affect the ability of the Bank to pay dividends and other distributions and to make loans to the Corporation.  If the Bank is unable to make dividend payments to the Corporation and sufficient capital is not otherwise available, we may not be able to make dividend payments to our common shareholders.


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The Corporation holds certain intangible assets that could be classified as impaired in the future.  If these assets are considered to be either partially or fully impaired in the future, our earnings and the book values of these assets would decrease.

The Corporation is required to test its goodwill and core deposit intangible assets for impairment on a periodic basis.  The impairment testing process considers a variety of factors, including the current market price of its common stock, the estimated net present value of its assets and liabilities, and information concerning the terminal valuation of similarly situated insured depository institutions.  If an impairment determination is made in a future reporting period, our earnings and the book value of these intangible assets would be reduced by the amount of the impairment.  If an impairment loss is recorded, it will have little or no impact on the tangible book value of our common shares or our regulatory capital levels, but such an impairment loss could significantly restrict the Bank from paying a dividend to the Corporation.

We may not be able to attract and retain skilled people.

Our success depends, in large part, on our ability to attract and retain key people. Competition for the best people in most activities in which we engage can be intense and we may not be able to hire people or to retain them.  The unexpected loss of services of one or more of our key personnel could have a material adverse impact on the business because we would lose the employees’ skills, knowledge of the market, and years of industry experience and may have difficulty promptly finding qualified replacement personnel.

Our controls and procedures may fail or be circumvented, which may result in a material adverse effect on our business.

Management regularly reviews and updates our internal controls, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met.  

The Corporation continually encounters technological change and the failure to understand and adapt to these changes could adversely affect our business.

The banking industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services.  The Corporation's future success will depend, in part, on the ability to address the needs of customers by using technology to provide products and services that will satisfy customer demands for convenience as well as to create additional efficiencies in operations.  Many competitors have substantially greater resources to invest in technological improvements.  There can be no assurance that the Corporation will be able to effectively implement new technology-driven products and services or be successful in marketing such products and services to customers. Failure to successfully keep pace with technological change affecting the financial services industry could have a material adverse impact on our business and, in turn, our financial condition and results of operations.

The Corporation is subject to security and operational risks relating to its use of technology.

Despite instituted safeguards, the Corporation cannot be certain that all of its systems are entirely free from vulnerability to attack or other technological difficulties or failures, such as cyber-attacks. The Corporation relies on the services of a variety of vendors to meet its data processing and communication needs. If information security is breached or other technology difficulties or failures occur, information may be lost or misappropriated, services and operations may be interrupted and the Corporation could be exposed to claims from customers. Any of these results could have a material adverse effect on the Corporation's business, financial condition, results of operations or liquidity.


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Provisions of our certificate of incorporation, bylaws, as well as New York law and certain banking laws, could delay or prevent a takeover of us by a third party.

Provisions of the Corporation’s certificate of incorporation and bylaws, New York law, and state and federal banking laws, including regulatory approval requirements, could delay, defer or prevent a third party from acquiring the Corporation, despite the possible benefit to the Corporation’s shareholders, or otherwise adversely affect the market price of the Corporation’s common stock. These provisions include: a two-thirds affirmative vote of all outstanding shares of Corporation stock for certain business combinations; a supermajority shareholder vote of 75% of outstanding stock for business combinations involving 10% shareholders; the election of directors to staggered terms of three years; and advance notice requirements for nominations for election to the Corporation’s board of directors and for proposing matters that shareholders may act on at a shareholder meeting. In addition, the Corporation is subject to New York law, which among other things prohibits the Corporation from engaging in a business combination with any interested stockholder for a period of five years from the date the person became an interested stockholder unless certain conditions are met. These provisions may discourage potential takeover attempts, discouraging bids for the Corporation’s common stock at a premium over market price or adversely affect the market price of, and the voting and other rights of the holders of the Corporation’s common stock. These provisions could also discourage proxy contests and make it more difficult for shareholders to elect directors other than candidates nominated by the Board.

The risks presented by acquisitions could adversely affect our financial condition and results of operations.

The business strategy of the Corporation has included and may continue to include growth through acquisition from time to time. Any future acquisitions will be accompanied by the risks commonly encountered in acquisitions. These risks may include, among other things: our ability to realize anticipated cost savings, the difficulty of integrating operations and personnel, the loss of key employees, the potential disruption of our or the acquired company’s ongoing business in such a way that could result in decreased revenues, the inability of our management to maximize our financial and strategic position, the inability to maintain uniform standards, controls, procedures and policies, and the impairment of relationships with the acquired company’s employees and customers as a result of changes in ownership and management.

Severe weather and other natural disasters can affect the Corporation’s business.

Our main office and our branch offices can be affected by natural disasters such as severe storms and flooding.  These kinds of events could interrupt our operations, particularly our ability to deliver deposit and other retail banking services to our customers and as a result, our business could suffer serious harm.  While we maintain adequate insurance against property and casualty losses arising from most natural disasters, and we have successfully overcome the challenges caused by past flooding in Central New York, there can be no assurance that we will be as successful if and when disasters occur.

Our accounting policies and estimates are critical to how we report our financial condition and results of operations, and any changes to such accounting policies and estimates could materially affect how we report our financial condition and results of operations.

Management has identified certain accounting policies as being critical because they require management’s judgment to ascertain the valuations of assets, liabilities, commitments and contingencies. A variety of factors could affect the ultimate value that is obtained either when earning income, recognizing an expense, recovering an asset, valuing an asset or liability or reducing a liability. We have established detailed policies and control procedures that are intended to ensure that these critical accounting estimates and judgments are well controlled and applied consistently. In addition, these policies and procedures are intended to ensure that the process for changing methodologies occurs in an appropriate manner. Because of the uncertainty surrounding our judgments and the estimates pertaining to these matters, actual outcomes may be materially different from amounts previously estimated. For example, because of the inherent uncertainty of estimates, management cannot provide any assurance that the Bank will not significantly increase its allowance for loan losses if actual losses are more than the amount reserved. Any increase in its allowance for loan losses or loan charge-offs could have a material adverse effect on our financial condition and results of operations. In addition, we cannot guarantee that we will not be required to adjust accounting policies or restate prior financial statements.


18


Further, from time to time, the FASB and SEC change the financial accounting and reporting standards that govern the preparation of our financial statements. The ongoing economic recession has resulted in increased scrutiny of accounting standards by legislators and our regulators, particularly as they relate to fair value accounting principles. In addition, ongoing efforts to achieve convergence between GAAP and International Financial Reporting Standards may result in changes to GAAP. These changes can be hard to predict and can materially impact how we record and report our financial condition and results of operations. In some cases, we could be required to apply a new or revised standard retroactively, resulting in our restating prior period financial statements or otherwise adversely affecting our financial condition or results of operations.

There may be claims and litigation pertaining to fiduciary responsibility.

From time to time as part of the Corporation’s normal course of business, customers make claims and take legal action against the Corporation based on its actions or inactions related to the fiduciary responsibilities of the Wealth Management Group segment.  If such claims and legal actions are not resolved in a manner favorable to the Corporation, they may result in financial liability and/or adversely affect the market perception of the Corporation and its products and services. This may also impact customer demand for the Corporation’s products and services. Any financial liability or reputation damage could have a material adverse effect on the Corporation’s business, which, in turn, could have a material adverse effect on its financial condition and results of operations.

ITEM 1B.  UNRESOLVED STAFF COMMENTS

None.
19

ITEM 2.  PROPERTIES

All properties owned or leased by the Bank are considered to be in good condition.  For additional information about the Corporation’s facilities, including rental expenses, see ”Note 5 Premises and Equipment” in Notes to Consolidated Financial Statements in Part IV, Item  15. Exhibits and Financial Statement Schedules of this report.  The Corporation holds no real estate in its own name.


Corporate Headquarters
Executive and Administrative Offices
One Chemung Canal Plaza, Elmira, NY 14901
   
New York
   
Albany County
Cortland County
*132 State St., Albany, NY 12207
*1094 State Rte. 222, Cortland, NY 13045
*65 Wolf Rd., Albany, NY 12205
  
*581 Loudon Rd., Latham, NY 12110
Saratoga County
*1365 New Scotland Rd., Slingerlands, NY 12159
*7 Southside Dr., Clifton Park, NY 12065
   
Broome County
Schuyler County
*127 Court St., Binghamton,  NY 13901
318 N. Franklin St., Watkins Glen, NY 14891
*601-635 Harry L. Dr., Johnson City, NY 13790 (Oakdale Mall)
303 W. Main St., Montour Falls, NY 14865
*100 Rano Blvd., Vestal, NY 13850
  
 
Seneca County
Cayuga County
Seneca Falls-54 Fall St., Seneca Falls, NY 13148
*120 Genesee St., Auburn, NY 13021
  
185 Grant Ave., Auburn, NY 13021
Tioga County
 
203 Main St., Owego, NY 13827
Chemung County
1054 State Route 17C, Owego, NY 13827
One Chemung Canal Plaza, Elmira, NY 14901
405 Chemung St., Waverly, NY 14892
628 W. Church St., Elmira, NY 14905
  
437 Maple St., Big Flats, NY 14814
Tompkins County
951 Pennsylvania Ave., Elmira, NY 14904
806 W. Buffalo St., Ithaca, NY 14850
100 W. McCann's Blvd., Elmira Heights, NY 14903
304 Elmira Rd., Ithaca, NY 14850
29 Arnot Rd., Horseheads, NY 14845
*909 Hanshaw Rd., Ithaca, NY 14850
602 S. Main St., Horseheads, NY 14845
*202 E. State St., Ithaca, NY 14850 (The Commons)
   
Pennsylvania
   
Bradford County
5 West Main St., Canton, PA 17724
304 Main St., Towanda, PA 18848
159 Canton St., Troy, PA 16947
   
CFS Group
*136 State St., Albany, NY 12207
One Chemung Canal Plaza, Elmira, NY 14901
628 W. Church St., Elmira, NY 14905
   
* Leased facilities

20

Leased Off-Site ATM Locations

Elmira-Corning Regional Airport
Big Flats, NY
Corning Community College
Corning, NY
Elmira College
Elmira, NY
E-Z Food Mart
Elmira, NY
Hardinge Inc. (employees only)
Elmira, NY
Quality Beverage
Elmira, NY
Collegetown Bagels
Ithaca, NY
Ithaca College
Ithaca, NY
Lansing Market
Lansing, NY
Schuyler Hospital
Montour Falls, NY


ITEM 3.  LEGAL PROCEEDINGS

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate's Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts' investments and they claim $13.2 million and $24.1 million, consisting of damages and disallowed trustee's commissions, plus unspecified legal fees in the respective proceedings.   For both legal proceedings, the Bank agreed to participate in non-binding mediation which began November 10, 2014.  As a result of mediation and in anticipation of a settlement with both parties, the Bank's Board of Directors approved the establishment of an accrual for legal settlement in the amount of $12.1 million, offset by a $7.9 million receivable for insurance proceeds.  Two stipulations reflecting the settlements have been submitted to the Surrogate's Court. 
 
In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.  Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.


ITEM 4.  MINE SAFETY DISCLOSURES

None.
21
PART II

ITEM 5.  MARKET FOR THE REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

The Corporation's stock is traded on the NASDAQ Global Market under the symbol “CHMG”.
 
The table below shows the price ranges for the Corporation’s common stock during each of the indicated quarters. On November 14, 2012, the Corporation filed a Form 8-K with the SEC announcing that shares of its common stock would begin trading on the NASDAQ Global Market effective with the opening of trading on November 16, 2012.  Since November 16, 2012, through December 31, 2014, the information is based upon the high and low sales prices reported by the NASDAQ Global Market.

Common Stock Market Prices and Dividends Paid
During the Past Two Years

December 31, 2014
  
High
    
Low
    
Dividends
  
4th Quarter
  
$
30.70
    
$
27.38
    
$
0.26
  
3rd Quarter
    
31.14
      
27.00
      
0.26
  
2nd Quarter
    
31.20
      
27.00
      
0.26
  
1st  Quarter
    
35.90
      
26.81
      
0.26
  
                         
December 31, 2013
     High        Low        Dividends   
4th Quarter
  
$
36.00
    
$
30.23
    
$
0.26
  
3rd Quarter
    
35.85
      
30.31
      
0.26
  
2nd Quarter
    
34.53
      
30.18
      
0.26
  
1st Quarter
    
33.99
      
28.41
      
0.00
  

Under New York law, the Corporation may pay dividends on our common stock either: (i) out of surplus, so that the Corporation’s net assets remaining after such payment equal the amount of its stated capital, or (ii) if there is no surplus, out of its net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal year.  Our payment of dividends on our common stock is dependent, in large part, upon receipt of dividends from the Bank, which is subject to certain restrictions which may limit its ability to pay us dividends.  See Item 1, “Business – Regulation and Supervision-The Bank-Payment of Dividends” for an explanation of legal limitations on the Bank’s ability to pay dividends.

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 shares held in street name.

The table below sets forth the information with respect to purchases made by the Corporation of our common stock during the quarter ended December 31, 2014:
 
Period
  
Total number of shares purchased
    
Average price paid per share
    
Total number of shares purchased as part of publicly announced plans or programs
    
Maximum number of shares that may yet be purchased under the plans or programs
  
10/1/14-10/31/14
    
-
    
$
-
      
-
      
121,906
  
11/1/14-11/30/14
    
-
    
$
-
      
-
      
121,906
  
12/1/14-12/31/14
    
-
    
$
-
      
-
      
121,906
  
Quarter ended 12/31/14
    
-
    
$
-
      
-
      
121,906
  
On December 19, 2012, the Corporation’s Board of Directors approved a stock repurchase plan authorizing the purchase of up to 125,000 shares of the Corporation's outstanding common stock. Purchases may be made from time to time on the open market or in private negotiated transactions and will be at the discretion of management. For the year ending December 31, 2014, no shares had been purchased under this plan. Since inception of the plan, a total of 3,094 shares have been purchased under the plan.
  
22
STOCK PERFORMANCE GRAPH

The following graph compares the yearly change in the cumulative total shareholder return on the Corporation’s common stock against the cumulative total return of the NASDAQ Stock Market (U.S. Companies), NASDAQ Bank Stocks Index and SNL $1B - $5B Bank Index for the period of five years commencing December 31, 2009.

 
 
Period Ending
  
Index
12/31/09
12/31/10
12/31/11
12/31/12
12/31/13
12/31/14
Chemung Financial Corporation
100.00
115.43
121.51
166.49
196.52
164.99
NASDAQ Composite
100.00
118.15
117.22
138.02
193.47
222.16
NASDAQ Bank
100.00
114.16
102.17
121.26
171.86
180.31
SNL Bank $1B-$5B
100.00
113.35
103.38
127.47
185.36
193.81

The cumulative total return includes (1) dividends paid and (2) changes in the share price of the Corporation’s common stock and assumes that all dividends were reinvested. The above graph assumes that the value of the investment in Chemung Financial Corporation and each index was $100 on December 31, 2009.

The Total Returns Index for NASDAQ Stock Market (U.S. Companies) and Bank Stocks indices were obtained from SNL Financial LC, Charlottesville, VA.
23
ITEM 6.  SELECTED FINANCIAL DATA

The following tables present selected financial data as of and for the years ended December 31, 2014, 2013, 2012, 2011 and 2010.  The selected financial data is derived from our audited consolidated financial statements.  The selected financial data should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and our audited consolidated financial statements and related notes.

SUMMARIZED BALANCE SHEET DATA AT DECEMBER 31, (in thousands)
  
2014
    
2013
    
2012
    
2011
    
2010
  
Total assets
  
$
1,524,539
    
$
1,476,143
    
$
1,248,160
    
$
1,216,260
    
$
958,327
  
Loans
    
1,121,574
      
995,866
      
893,517
      
796,915
      
613,684
  
Investment securities
    
286,338
      
352,511
      
245,434
      
289,182
      
231,260
  
FHLBNY and FRBNY stock
    
5,535
      
4,482
      
4,710
      
5,509
      
3,329
  
Deposits
    
1,280,014
      
1,266,256
      
1,047,497
      
1,001,053
      
788,500
  
Securities sold under agreements to repurchase
    
29,652
      
32,701
      
32,711
      
37,107
      
44,775
  
FHLBNY advances
    
50,140
      
25,243
      
27,225
      
43,344
      
20,000
  
Long term capital lease obligation
    
2,976
      
-
      
-
      
-
      
-
  
Shareholders' equity
    
133,628
      
138,578
      
131,115
      
125,929
      
97,409
  

SUMMARIZED EARNINGS DATA FOR THE YEARS ENDED
DECEMBER 31, (in thousands)
  
2014
    
2013
    
2012
    
2011
    
2010
  
Net interest income
  
$
49,568
    
$
46,631
    
$
46,842
    
$
43,915
    
$
34,530
  
Provision for loan losses
    
3,981
      
2,755
      
828
      
958
      
1,125
  
Net interest income after provision for loan losses
    
45,587
      
43,876
      
46,014
      
42,957
      
33,405
  
                                         
Wealth management group fee income
    
7,747
      
7,344
      
6,827
      
6,710
      
10,497
  
Service charges on deposit accounts
    
5,281
      
4,706
      
4,241
      
4,282
      
4,552
  
Securities gains (losses), net
    
6,869
      
(13
)
    
301
      
1,108
      
451
  
Other income
    
6,859
      
6,040
      
5,819
      
5,364
      
4,145
  
Total non-interest income
    
26,756
      
18,077
      
17,188
      
17,464
      
19,645
  
 
Legal settlements
    
4,250
      
-
      
-
      
-
      
-
  
Merger and acquisition related expenses
    
115
      
1,387
      
30
      
2,255
      
482
  
Other operating expenses
    
56,112
      
48,013
      
46,765
      
42,595
      
37,361
  
Total non-interest expense
    
60,477
      
49,400
      
46,795
      
44,850
      
37,843
  
Income before income tax expense
    
11,866
      
12,553
      
16,407
      
15,571
      
15,207
  
Income tax expense
    
3,709
      
3,822
      
5,385
      
5,033
      
5,105
  
Net income
  
$
8,157
    
$
8,731
    
$
11,022
    
$
10,538
    
$
10,102
  

SELECTED PER SHARE DATA ON SHARES OF COMMON STOCK AT OR FOR THE YEARS ENDED DECEMBER 31,
  
2014
    
2013
    
2012
    
2011
    
2010
    
2009
    
% Change 2013
To
2014
    
Compounded Annual Growth 5 Years
  
Earnings per share (1)
  
$
1.74
    
$
1.87
    
$
2.38
    
$
2.40
    
$
2.80
    
$
1.45
      
(7.0
%)
    
3.7
%
Dividends declared
    
1.04
      
1.04
      
1.00
      
1.00
      
1.00
      
1.00
      
-
%
    
0.8
%
Tangible book value (2)
    
22.71
      
23.63
      
22.40
      
21.07
      
22.90
      
20.74
      
(3.9
%)
    
1.8
%
Book Value
    
28.44
      
29.67
      
28.20
      
27.14
      
26.92
      
24.97
      
(4.1
%)
    
2.6
%
Market price at 12/31
    
27.66
      
34.17
      
29.89
      
22.75
      
22.30
      
21.25
      
(19.1
%)
    
5.4
%
Common shares
  outstanding at period end
  (in thousands) (3)
    
4,699
      
4,671
      
4,649
      
4,641
      
3,619
      
3,608
      
0.6
%
    
5.4
%
Weighted average shares
  outstanding (in thousands)
    
4,683
      
4,660
      
4,641
      
4,383
      
3,607
      
3,603
      
0.5
%
    
5.4
%
(1) Earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. There is no difference between basic and diluted earnings per share.
(2)  Tangible book value is total shareholders’ equity less goodwill and other intangible assets divided by common shares outstanding.
(3) All issuable shares including those related to directors’ restricted stock units and directors’ stock compensation.
24

SELECTED RATIOS AT OR FOR THE YEARS ENDED
DECEMBER 31,
 
2014
    
2013
    
2012
    
2011
    
2010
 
Return on average assets
 
 
0.54
%
 
 
0.67
%
 
 
0.88
%
 
 
0.90
%
 
 
1.02
%
Return on average equity
 
 
5.74
%
 
 
6.50
%
 
 
8.41
%
 
 
8.77
%
 
 
10.64
%
Dividend yield at year end
 
 
3.76
%
 
 
3.08
%
 
 
4.20
%
 
 
4.40
%
 
 
4.48
%
Dividend payout
 
 
58.80
%
 
 
41.04
%
 
 
51.84
%
 
 
38.50
%
 
 
34.84
%
Total capital to risk adjusted assets
 
 
11.84
%
 
 
12.10
%
 
 
13.10
%
 
 
13.28
%
 
 
14.54
%
Tier I capital to risk adjusted assets
 
 
10.59
%
 
 
10.57
%
 
 
11.68
%
 
 
11.84
%
 
 
12.92
%
Tier I leverage ratio
 
 
7.78
%
 
 
8.08
%
 
 
8.74
%
 
 
8.27
%
 
 
8.72
%
Average equity to average assets
    
9.43
%
    
10.28
%
    
10.46
%
    
10.23
%
    
9.60
%
Year-end equity to year-end assets ratio
    
8.77
%
    
9.39
%
    
10.50
%
    
10.35
%
    
10.16
%
Loans to deposits
 
 
87.62
%
 
 
78.65
%
 
 
85.30
%
 
 
79.61
%
 
 
77.83
%
Allowance for loan losses to total loans
 
 
1.22
%
 
 
1.28
%
 
 
1.17
%
 
 
1.21
%
 
 
1.55
%
Allowance for loan losses to non-
  performing loans
 
 
175.96
%
 
 
150.11
%
 
 
172.96
%
 
 
70.97
%
 
 
89.62
%
Non-performing assets to total assets
 
 
0.71
%
 
 
0.61
%
 
 
0.53
%
 
 
1.19
%
 
 
1.18
%
Net interest rate spread
 
 
3.48
%
 
 
3.78
%
 
 
3.96
%
 
 
3.92
%
 
 
3.60
%
Net interest margin
 
 
3.59
%
 
 
3.91
%
 
 
4.14
%
 
 
4.13
%
 
 
3.88
%
Efficiency ratio (1)
 
 
78.75
%
 
 
72.49
%
 
 
70.92
%
 
 
68.11
%
 
 
67.37
%
(1) Efficiency ratio is non-interest expense less merger and acquisition related expenses less amortization of intangible assets less legal settlement divided by the total of fully taxable equivalent net interest income plus non-interest income less net gain on securities transactions less gain from bargain purchase less gain on liquidation of trust preferred securities.

The following tables summarize the Corporation’s unaudited net income and basic earnings per share at each quarter end for the years 2014 and 2013 (amounts in thousands, except per share data):

   
2014
  
   
Quarter Ended
  
UNAUDITED QUARTERLY DATA
  
Mar. 31
    
June 30
    
Sept. 30
    
Dec. 31
  
Interest and dividend income
  
$
12,954
    
$
12,996
    
$
13,341
    
$
13,922
  
Interest expense
    
921
      
921
      
915
      
888
  
Net interest income
    
12,033
      
12,075
      
12,426
      
13,034
  
Provision for loan losses
    
639
      
1,103
      
589
      
1,650
  
Net interest income after provision for loan losses
    
11,394
      
10,972
      
11,837
      
11,384
  
Total other operating income
    
4,964
      
5,406
      
4,986
      
11,400
  
Total other operating expenses
    
13,343
      
13,579
      
17,763
      
15,792
  
Income (loss) before income tax expense (benefit)
    
3,015
      
2,799
      
(940
)
    
6,992
  
Income tax expense (benefit)
    
951
      
869
      
(621
)
    
2,510
  
Net income (loss)
  
$
2,064
    
$
1,930
    
$
(319
)
  
$
4,482
  
Basic and diluted earnings (loss) per share
  
$
0.44
    
$
0.41
    
$
(0.07
)
  
$
0.96
  

   
2013
  
   
Quarter Ended
  
UNAUDITED QUARTERLY DATA
  
Mar. 31
    
June 30
    
Sept. 30
    
Dec. 31
  
Interest and dividend income
  
$
12,748
    
$
12,333
    
$
12,509
    
$
13,073
  
Interest expense
    
1,031
      
1,005
      
993
      
1,003
  
Net interest income
    
11,717
      
11,328
      
11,516
      
12,070
  
Provision for loan losses
    
431
      
450
      
874
      
1,000
  
Net interest income after provision for loan losses
    
11,286
      
10,878
      
10,642
      
11,070
  
Total other operating income
    
4,022
      
4,475
      
4,351
      
5,229
  
Total other operating expenses
    
11,725
      
11,392
      
11,812
      
14,471
  
Income before income tax expense
    
3,583
      
3,961
      
3,181
      
1,828
  
Income tax expense
    
1,171
      
1,306
      
1,002
      
343
  
Net Income
  
$
2,412
    
$
2,655
    
$
2,179
    
$
1,485
  
Basic and diluted earnings per share
  
$
0.52
    
$
0.57
    
$
0.46
    
$
0.32
  


25
ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in Management’s Discussion and Analysis of Financial Condition and Results of Operations.

ASU:  Accounting Standards Update
FRBNY:  Federal Reserve Bank of New York
Bank:  Chemung Canal Trust Company
Freddie Mac:  Federal Home Loan Mortgage Corporation
CDO: Collateralized Debt Obligation
GAAP:  U.S. generally accepted accounting principles
Corporation: Chemung Financial Corporation
OTTI:  Other-than-temporary impairment
FASB:  Financial Accounting Standards Board
PCI:  Purchased credit impaired
FDIC:  Federal Deposit Insurance Corporation
SEC:  Securities and Exchange Commission
FHLBNY:  Federal Home Loan Bank of New York
TDRs:  Troubled debt restructurings
FRB:  Board of Governors of the Federal Reserve System
  

The purpose of this discussion is to focus on information about the financial condition and results of operations of the Corporation.  Reference should be made to the accompanying consolidated financial statements and footnotes, and the selected financial data appearing elsewhere in this report for an understanding of the following discussion and analysis.

This discussion contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act. The Corporation intends its forward-looking statements to be covered by the safe harbor provisions for forward-looking statements in these sections.  All statements regarding the Corporation's expected financial position and operating results, the Corporation's business strategy, the Corporation's financial plans, forecasted demographic and economic trends relating to the Corporation's industry and similar matters are forward-looking statements. These statements can sometimes be identified by the Corporation's use of forward-looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend."  The Corporation cannot promise that its expectations in such forward-looking statements will turn out to be correct.  The Corporation's actual results could be materially different from expectations because of various factors, including changes in economic conditions or interest rates, credit risk, difficulties in managing the Corporation’s growth, competition, changes in law or the regulatory environment, including the Dodd-Frank Act, and changes in general business and economic trends. Information concerning these and other factors can be found in the Corporation’s periodic filings with the SEC, including the discussion under the heading “Item 1A. Risk Factors” in this form 10-K.  These filings are available publicly on the SEC’s web site at http://www.sec.gov, on the Corporation's web site at http://www.chemungcanal.com or upon request from the Corporate Secretary at (607) 737-3746. Except as otherwise required by law, the Corporation undertakes no obligation to publicly update or revise its forward-looking statements, whether as a result of new information, future events or otherwise.

Use of Non-GAAP Financial Measures

The SEC has adopted Regulation G, which applies to all public disclosures, including earnings releases, made by registered companies that contain “non-GAAP financial measures.”  Under Regulation G, companies making public disclosures containing non-GAAP financial measures must also disclose, along with each non-GAAP financial measure, certain additional information, including a reconciliation of the non-GAAP financial measure to the closest comparable GAAP financial measure and a statement of the Corporation’s reasons for utilizing the non-GAAP financial measure as part of its financial disclosures.  The SEC has exempted from the definition of “non-GAAP financial measures” certain commonly used financial measures that are not based on GAAP.  When these exempted measures are included in public disclosures, supplemental information is not required.  The following measures used in this Report, which are commonly utilized by financial institutions, have not been specifically exempted by the SEC and may constitute "non-GAAP financial measures" within the meaning of the SEC's new rules, although we are unable to state with certainty that the SEC would so regard them.
26

Tax-Equivalent Net Interest Income and Net Interest Margin

Net interest income is commonly presented on a tax-equivalent basis.  That is, to the extent that some component of the institution's net interest income, which is presented on a before-tax basis, is exempt from taxation (e.g., is received by the institution as a result of its holdings of state or municipal obligations), an amount equal to the tax benefit derived from that component is added to the actual before-tax net interest income total.  This adjustment is considered helpful in comparing one financial institution's net interest income to that of other institutions or in analyzing any institution’s net interest income trend line over time, to correct any analytical distortion that might otherwise arise from the fact that financial institutions vary widely in the proportions of their portfolios that are invested in tax-exempt securities, and that even a single institution may significantly alter over time the proportion of its own portfolio that is invested in tax-exempt obligations.  Moreover, net interest income is itself a component of a second financial measure commonly used by financial institutions, net interest margin, which is the ratio of net interest income to average interest-earning assets.  For purposes of this measure as well, fully taxable equivalent net interest income is generally used by financial institutions, as opposed to actual net interest income, again to provide a better basis of comparison from institution to institution and to better demonstrate a single institution’s performance over time.  The Corporation follows these practices.

Tangible Book Value per Share

Tangible equity is total shareholders’ equity less intangible assets.  Tangible book value per share is tangible equity divided by total shares issued and outstanding.  Tangible book value per share is often regarded as a more meaningful comparative ratio than book value per share as calculated under GAAP, that is, total shareholders’ equity including intangible assets divided by total shares issued and outstanding.  Intangible assets include goodwill and other intangible assets resulting from business combinations.

Adjustments for Certain Items of Income or Expense

In addition to disclosures of certain GAAP financial measures, including net income, earnings per share (“EPS”), return on average assets (“ROA”), and return on average equity (“ROE”), we may also provide comparative disclosures that adjust these GAAP financial measures for a particular period by removing from the calculation thereof the impact of certain transactions or other material items of income or expense occurring during the period, including certain nonrecurring items.  The Corporation believes that the resulting non-GAAP financial measures may improve an understanding of its results of operations by separating out any such transactions or items that may have had a disproportionate positive or negative impact on the Corporation’s financial results during the particular period in question. In the Corporation’s presentation of any such non-GAAP (adjusted) financial measures not specifically discussed in the preceding paragraphs, the Corporation supplies the supplemental financial information and explanations required under Regulation G.

The Corporation believes that the non-GAAP financial measures disclosed by it from time-to-time are useful in evaluating the Corporation’s performance and that such information should be considered as supplemental in nature and not as a substitute for or superior to the related financial information prepared in accordance with GAAP.  The Corporation’s non-GAAP financial measures may differ from similar measures presented by other companies.

Overview

The Corporation has been a financial holding company since 2000, and the Bank was established in 1833 and CFS Group, Inc. in 2001.  Through the Bank and CFS Group, Inc., the Corporation provides a wide range of financial services, including demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, securities and insurance brokerage services.  The Bank relies substantially on a foundation of locally generated deposits.

The Corporation, on a stand-alone basis, has minimal results of operations.  The Bank derives its income primarily from interest and fees on loans, interest on investment securities, Wealth Management Group fee income and fees received in connection with deposit and other services.  The Bank’s operating expenses are interest expense paid on deposits and borrowings, salaries and employee benefit plans and general operating expenses.


27

Highlights

Below are highlights of the Corporation’s operations for the year ended December 31, 2014:

·
Net income for 2014 was $8.2 million, or $1.74 per share, compared with $8.7 million, or $1.87 per share, for 2013, a decrease of $0.5 million, or 6.6%.

·
Returns on average assets and average equity for 2014 were 0.54% and 5.74%, respectively, compared with 0.67% and 6.50%, respectively, for 2013.

·
Net interest margin (fully taxable equivalent) for 2014 was 3.59%, down from 3.91% for 2013.

·
The non-performing assets to total assets ratio was 0.71% at December 31, 2014 compared with 0.61% at December 31, 2013.

·
Book value per share was $28.44 at December 31, 2014 compared with $29.67 at December 31, 2013, a decrease of $1.23, or 4.1%.  Tangible book value per share was $22.71 at December 31, 2014 compared with $23.63 at December 31, 2013, a decrease of $0.92 or 3.9%.

·
Tangible equity to tangible assets ratio decreased to 7.13% at December 31, 2014 compared with 7.62% at December 31, 2013.

·
The Corporation’s January 29, 2015 earnings release did not reflect an additional provision for loan losses of $0.7 million due to the impairment of a commercial loan, as we were unable to reasonably estimate the provision as of the date of the earnings release.  The additional provision changed the previously reported full year net income of $8.6 million to $8.2 million, income tax expense of $4.0 million to $3.7 million, provision for loan losses of $3.3 million to $4.0 million, basic and diluted earnings per share of $1.83 to $1.74 and total shareholders’ equity of $134.0 million to $133.6 million.  The Corporation’s earnings release also did not include a $7.9 million gross-up of the accrual for legal settlement, which had no income statement impact, to reflect the receivable for insurance proceeds.  The provision for loan loss and the gross-up of the accrual for legal settlement adjustments changed the previously reported total assets of $1.517 billion to $1.524 billion and total liabilities of $1.383 billion to $1.391 billion.

Critical Accounting Policies, Estimates and Risks and Uncertainties

Critical accounting policies include the areas where the Corporation has made what it considers to be particularly difficult, subjective or complex judgments concerning estimates, and where these estimates can significantly affect the Corporation's financial results under different assumptions and conditions. The Corporation prepares its financial statements in conformity with GAAP.  As a result, the Corporation is required to make certain estimates, judgments and assumptions that it believes are reasonable based upon the information available at that time. These estimates, judgments and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the periods presented.  Actual results could be different from these estimates.

Management considers the accounting policy relating to the allowance for loan losses to be a critical accounting policy given the uncertainty in evaluating the level of the allowance required to cover probable incurred credit losses inherent in the loan portfolio, and the material effect that such judgments can have on the Corporation's results of operations. While management's current evaluation of the allowance for loan losses indicates that the allowance is adequate, under adversely different conditions or assumptions the allowance would need to be increased.  For example, if historical loan loss experience significantly worsened or if current economic conditions significantly deteriorated, additional provisions for loan losses would be required to increase the allowance.  In addition, the assumptions and estimates used in the internal reviews of the Corporation's non-performing loans and potential problem loans, and the associated evaluation of the related collateral coverage for these loans, has a significant impact on the overall analysis of the adequacy of the allowance for loan losses.  Real estate values in the Corporation’s market area did not increase dramatically in the prior several years, and, as a result, any declines in real estate values have been modest.  While management has concluded that the current evaluation of collateral values is reasonable under the circumstances, if collateral evaluations were significantly lowered, the Corporation's allowance for loan losses policy would also require additional provisions for loan losses.

28

Management also considers the accounting policy relating to the valuation of goodwill and other intangible assets to be a critical accounting policy.  The initial carrying value of goodwill and other intangible assets is determined using estimated fair values developed from various sources and other generally accepted valuation techniques.  Estimates are based upon financial, economic, market and other conditions as they existed as of the date of a particular acquisition.  These estimates of fair value are the results of judgments made by the Corporation based upon estimates that are inherently uncertain and changes in the assumptions upon which the estimates were based may have a significant impact on the resulting estimates.  In addition to the initial determination of the carrying value, on an ongoing basis management must assess whether there is any impairment of goodwill and other intangible assets that would require an adjustment in carrying value and recognition of a loss in the consolidated statement of income.

Financial Condition

Summary

Consolidated assets at December 31, 2014 totaled $1.525 billion, an increase of $48.4 million or 3.3% since December 31, 2013.  The growth was due primarily to increases of $125.7 million, in total portfolio loans.  The increase in portfolio loans was due to strong growth of $100.5 million in commercial loans and $19.9 million in indirect consumer loans.

Total shareholders’ equity was $133.6 million at December 31, 2014, a decrease of $5.0 million from December 31, 2013, due primarily to the Corporation’s $8.9 million reduction in accumulated other comprehensive income, declared dividends of $4.8 million and partially offset by net income of $8.2 million and a reduction of $0.7 million in treasury stock.

The market value of total assets under management or administration in the Corporation’s Wealth Management Group was $1.956 billion at December 31, 2014 compared with $1.888 billion at December 31, 2013, an increase of $68.0 million, or 3.6%.

Balance Sheet Comparisons

Table 1 contains selected average balance sheet information for each year in the six-year period ended December 31, 2014 (amounts in millions):

TABLE 1. SELECTED AVERAGE BALANCE SHEET INFORMATION
Average Balance Sheet
  
2014
    
2013
    
2012
    
2011
    
2010
    
2009
    
% Change 2013 to 2014
    
Compounded Annual Growth 5 Years
  
Total Assets
  
$
1,506.3
    
$
1,306.4
    
$
1,253.7
    
$
1,175.0
    
$
988.6
    
$
928.8
      
15.3
%
    
10.2
%
Earning Assets (1)
    
1,399.3
      
1,209.7
      
1,150.4
      
1,078.4
      
905.5
      
852.4
      
15.7
%
    
10.4
%
Loans (2)
    
1,066.4
      
942.9
      
844.2
      
741.0
      
590.6
      
586.7
      
13.1
%
    
12.7
%
Investments (3)
    
332.9
      
266.8
      
306.2
      
337.4
      
314.9
      
265.7
      
24.8
%
    
4.6
%
Deposits
    
1,297.4
      
1,092.8
      
1,045.0
      
967.1
      
819.1
      
753.9
      
18.7
%
    
11.5
%
Borrowings (4)
    
56.7
      
69.5
      
70.7
      
81.3
      
68.4
      
79.2
      
(18.4
)
%
    
(6.5
)
%
Shareholders’ Equity
    
142.0
      
134.3
      
131.1
      
120.2
      
94.9
      
85.4
      
5.7
%
    
10.7
%
(1) Average earning assets include securities available for sale and securities held to maturity based on amortized cost, loans and loans held for sale net of deferred loan fees, interest-bearing deposits, FHLBNY stock, FRBNY stock and federal funds sold.
(2) Average loans and loans held for sale, net of deferred loan fees.
(3) Average balances for investments include securities available for sale and securities held to maturity, based on amortized cost, FHLBNY stock, FRBNY stock, federal funds sold and interest-bearing deposits.
(4) Average borrowings include FHLBNY advances, securities sold under agreements to repurchase and capitalized lease obligations.
29

Table 2 contains selected period-end balance sheet information for each year in the six-year period ended December 31, 2014 (amounts in millions):

TABLE 2. SELECTED PERIOD-END BALANCE SHEET INFORMATION
Ending Balance Sheet
  
2014
    
2013
    
2012
    
2011
    
2010
    
2009
    
% Change 2013 to 2014
    
Compounded Annual Growth 5 Years
  
Total Assets
  
$
1,524.5
    
$
1,476.1
    
$
1,248.2
    
$
1,216.3
    
$
958.3
    
$
975.6
      
3.3
%
    
9.3
%
Earning Assets (1)
    
1,415.1
      
1,373.6
      
1,155.7
      
1,116.3
      
892.4
      
900.9
      
3.0
%
    
9.5
%
Loans (2)
    
1,121.5
      
995.9
      
893.5
      
796.9
      
613.7
      
595.9
      
12.6
%
    
13.5
%
Allowance for loan losses
    
13.7
      
12.8
      
10.4
      
9.7
      
9.5
      
10.0
      
7.2
%
    
6.6
%
Investments (3)
    
292.9
      
377.0
      
261.2
      
319.4
      
278.7
      
305.0
      
(22.3
)%
    
(0.8
)%
Deposits
    
1,280.0
      
1,266.3
      
1,047.5
      
1,001.1
      
788.5
      
803.1
      
1.1
%
    
9.8
%
Borrowings (4)
    
79.8
      
57.9
      
59.9
      
80.5
      
64.8
      
74.3
      
37.8
%
    
1.4
%
Shareholders’ Equity
    
133.6
      
138.6
      
131.1
      
125.9
      
97.4
      
90.1
      
(3.6
)%
    
8.2
%
(1) Earning assets include securities available for sale, at estimated fair value and securities held to maturity based on amortized cost, loans and loans held for sale net of deferred loan fees, interest-bearing deposits, FHLBNY stock, FRBNY stock and federal funds sold.
(2) Loans and loans held for sale, net of deferred loan fees.
(3) Investments include securities available for sale, at estimated fair value, securities held to maturity, at amortized cost, FHLBNY stock, FRBNY stock, federal funds sold and interest-bearing deposits.
(4) Borrowings include FHLBNY advances, securities sold under agreements to repurchase and capitalized lease obligations.

Cash and Cash Equivalents

Total cash and cash equivalents decreased $22.4 million since December 31, 2013, due primarily to decreases of $19.0 million in interest-bearing deposits in other financial institutions and $3.4 million in cash and due from financial institutions.

Securities

The Corporation’s Funds Management Policy includes an investment policy that in general, requires debt securities purchased for the bond portfolio to carry a minimum agency rating of "A".  After an independent credit analysis is performed, the policy also allows the Corporation to purchase local municipal obligations that are not rated.  The Corporation intends to maintain a reasonable level of securities to provide adequate liquidity and in order to have securities available to pledge to secure public deposits, repurchase agreements and other types of transactions.  Fluctuations in the fair value of the Corporation’s securities relate primarily to changes in interest rates.

Marketable securities are classified as Available for Sale, while investments in local municipal obligations are generally classified as Held to Maturity.  The composition of the available for sale segment of the securities portfolio is summarized in Table 3 as follows (amounts in thousands):

TABLE 3. SECURITIES AVAILABLE FOR SALE

   
2014
    
2013
  
Securities Available for Sale
  
Amortized Cost
    
Estimated Fair Value
    
Unrealized Gains (Losses)
    
Amortized Cost
    
Estimated Fair Value
    
Unrealized Gains (Losses)
  
Obligations of U.S. Government and U.S Government sponsored enterprises
  
$
180,535
    
$
181,673
    
$
1,138
    
$
187,098
    
$
188,106
    
$
1,008
  
Mortgage-backed securities, residential
    
60,787
      
61,660
      
873
      
104,069
      
104,356
      
287
  
Collateralized mortgage obligations
    
335
      
338
      
3
      
1,001
      
1,015
      
14
  
Obligations of states and political
  subdivisions
    
30,677
      
31,451
      
774
      
37,339
      
38,376
      
1,037
  
Corporate bonds and notes
    
1,502
      
1,533
      
31
      
2,879
      
2,946
      
67
  
SBA loan pools
    
1,296
      
1,304
      
8
      
1,471
      
1,488
      
17
  
Trust preferred securities
    
1,906
      
2,028
      
122
      
1,898
      
2,034
      
136
  
Corporate stocks
    
285
      
520
      
235
      
444
      
7,695
      
7,251
  
     Totals
  
$
277,323
    
$
280,507
    
$
3,184
    
$
336,199
    
$
346,016
    
$
9,817
  

30
The available for sale segment of the securities portfolio totaled $280.5 million at December 31, 2014, a decrease of $65.5 million, or 18.9%, from $346.0 million at December 31, 2013.  The decrease resulted primarily from sales and calls of $62.7 million, and maturities and principal collected of $24.2 million, partially offset by purchases of $23.6 million.  The proceeds from the sales, calls, maturities and principal collected of securities were used to help fund the growth of the loan portfolio.

The held to maturity segment of the securities portfolio consists of obligations of political subdivisions in the Corporation’s market areas.  These securities totaled $5.8 million at December 31, 2014, a decrease of $0.7 million, or 10.2%, from $6.5 million at December 31, 2013.  The decrease was due primarily to maturities and principal collected of $3.2 million, partially offset by purchases of $2.5 million.

Non-marketable equity securities at December 31, 2014 include shares of FRBNY stock and FHLBNY stock, carried at their cost of $1.7 million and $3.8 million, respectively.  The fair value of these securities is assumed to approximate their cost.  The investment in these stocks is regulated by regulatory policies of the respective institutions.

Table 4 sets forth the carrying amounts and maturities of available for sale and held to maturity debt securities at December 31, 2014 and the weighted average yields of such securities (all yields are calculated on the basis of the amortized cost and weighted for the scheduled maturity of each security, except mortgage-backed securities which are based on the average life at the projected prepayment speed of each security).  Federal tax equivalent adjustments have been made in calculating yields on municipal obligations (amounts in thousands):

TABLE 4. MATURIES AND YIELDS OF AVAILABLE FOR SALE AND
HELD TO MATURITY SECURITIES

   
Maturing
  
   
Within One Year
    
After One, But Within Five Years
    
After Five, But Within Ten Years
    
After Ten Years
  
   
Amount
    
Yield
    
Amount
    
Yield
    
Amount
    
Yield
    
Amount
    
Yield
  
Obligations of U.S. Government
  and U.S. Government sponsored
  enterprises
  
$
26,813
      
2.02
%
  
$
149,504
      
1.27
%
  
$
5,356
      
2.66
%
  
$
-
      
-
  
Mortgage-backed securities,
  residential
    
116
      
4.81
%
    
60,015
      
2.05
%
    
1,419
      
2.01
%
    
110
      
3.49
%
Collateralized mortgage
  obligations
    
246
      
3.49
%
    
92
      
4.71
%
    
-
      
-
      
-
      
-
  
Obligations of states and political
  subdivisions
    
9,912
      
2.85
%
    
25,711
      
3.94
%
    
1,003
      
6.05
%
    
-
      
-
  
Corporate bonds and notes
    
772
      
3.98
%
    
518
      
4.13
%
    
243
      
3.25
%
    
-
      
-
  
SBA loan pools
    
-
      
-
      
712
      
1.79
%
    
592
      
1.74
%
    
-
      
-
  
Trust preferred securities
    
2,028
      
8.94
%
    
-
      
-
      
-
      
-
      
-
      
-
  
Time deposits with other financial
  institutions
    
656
      
2.07
%
    
-
      
-
      
-
      
-
      
-
      
-
  
     Total
  
$
40,543
      
2.58
%
  
$
236,552
      
1.76
%
  
$
8,613
      
2.91
%
  
$
110
      
3.49
%

Management evaluates securities for OTTI on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For the year ended December 31, 2014, the Corporation had no OTTI charges.  For the year ended December 31, 2013, the Corporation had less than $0.1 million in OTTI charges.  During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $0.6 million.  The CDO was sold for $0.6 million, resulting in a slight loss.  The CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” provision of the Dodd-Frank Act regarding the ability of banks to hold these types of securities and based on current market conditions.  In addition to the CDO that was sold in the fourth quarter of 2013, the remaining CDO was liquidated and the Corporation recorded $0.5 million in other income during the first quarter of 2014.  The Corporation does not own any other CDOs in its investment securities portfolio.  For more detailed information on OTTI, see Footnote (3), “Securities” in the Notes to Consolidated Financial Statements.
31

Loans

The Corporation has reporting systems to monitor: (i) loan originations and concentrations, (ii) delinquent loans, (iii) non-performing assets, including non-performing loans, troubled debt restructurings, other real estate owned, (iv) impaired loans, and (v) potential problem loans.  Management reviews these systems on a regular basis.

Table 5 shows the Corporation's loan composition by segment and percentage of total loans at the end of each of the last five years (amounts in thousands):

 
TABLE 5. LOANS  
  
 
December 31,   
  
 
2014
  
%
  
2013
  
%
  
2012
  
%
  
2011
  
%
  
2010
  
%
  
 
 
 
 
 
 
 
 
   
Commercial and agricultural
$
166,406
    
14.8
  
$
145,363
    
14.6
  
$
133,851
    
15.0
  
$
142,209
    
17.8
  
$
114,697
    
18.7
  
Commercial mortgages
  
452,593
    
40.4
    
373,147
    
37.5
    
320,198
    
35.9
    
264,589
    
33.2
    
133,070
    
21.7
  
Residential mortgages
  
196,809
    
17.5
    
195,997
    
19.7
    
200,475
    
22.4
    
193,600
    
24.3
    
173,468
    
28.3
  
Indirect consumer loans
  
184,763
    
16.5
    
164,846
    
16.5
    
130,573
    
14.6
    
97,165
    
12.2
    
98,941
    
16.1
  
Consumer loans
  
121,003
    
10.8
    
116,513
    
11.7
    
108,420
    
12.1
    
99,352
    
12.5
    
93,508
    
15.2
  
     Total
$
1,121,574
    
100.0
  
$
995,866
    
100.0
  
$
893,517
    
100.0
  
$
796,915
    
100.0
  
$
613,684
    
100.0
  

Portfolio loans totaled $1.122 billion at December 31, 2014, an increase of $125.7 million, or 12.6%, from $995.9 million at December 31, 2013.  The increase in portfolio loans was due to strong growth of $100.5 million, or 19.4%, in commercial loans and $19.9 million, or 12.1%, in indirect consumer loans. The growth in commercial loans was due primarily to an increase in commercial loans in the Capital Bank division in the Albany, New York region.  The growth in indirect consumer loans was a result of the Corporation’s extension into the first nine months of 2014 its loan program with reduced pricing on high quality indirect auto loans.

Residential mortgage loans totaled $196.8 million at December 31, 2014, an increase of $0.8 million, or 0.4%, from December 31, 2013.  In addition, during 2014, $13.6 million of residential mortgages were sold in the secondary market to Freddie Mac, with an additional $0.1 million of residential mortgages sold to the State of New York Mortgage Agency.

The Corporation anticipates that future growth in portfolio loans will continue to be in the commercial mortgage and commercial and agricultural loan segments.

Loan concentrations are considered to exist when there are amounts loaned to a multiple number of borrowers engaged in similar activities which would cause them to be similarly impacted by economic or other conditions.  The Corporation’s concentration policy limits the volume of commercial loans to any one specific industry.  Specific industries are identified using the North American Industry Classification System (“NAICS”) codes.  The volume of commercial loans, with the exception of commercial mortgages, to any one specific industry is limited to Tier 1 capital plus the allowance for loan losses.  The volume of commercial mortgages is limited to three times the total of Tier 1 capital plus the allowance for loan losses.  The Corporation is in compliance with the concentration policy limits.

The Corporation also monitors specific NAICS industry classifications of commercial loans to identify concentrations greater than 10.0% of total loans.  At December 31, 2014 and 2013, commercial loans to borrowers involved in the real estate, and real estate rental and lending businesses were 36.1% and 31.1% of total loans, respectively.  No other concentration of loans existed in the commercial loan portfolio in excess of 10.0% of total loans as of December 31, 2014 and 2013.
32

Table 6 shows the maturity of only commercial and agricultural loans and commercial mortgages outstanding as of December 31, 2014.  Also provided are the amounts due after one year, classified according to the sensitivity to changes in interest rates (amounts in thousands):

 
TABLE 6. LOAN AMOUNTS CONTRACTUALLY DUE AFTER DECEMBER 31, 2014
  
 
Within One Year
  
After One But Within Five Years
  
After Five Years
  
Total
  
         
Commercial and agricultural and commercial mortgages
$
73,671
  
$
131,105
  
$
414,223
  
$
618,999
  
Loans maturing after one year with:
                        
    Fixed interest rates
$
25,686
  
$
91,608
  
$
104,137
  
$
221,431
  
    Variable interest rates
  
47,985
    
39,497
    
310,086
    
397,568
  
     Total
$
73,671
  
$
131,105
  
$
414,223
  
$
618,999
  

Non-Performing Assets

Non-performing assets consist of non-accrual loans, non-accrual troubled debt restructurings and other real estate owned that has been acquired in partial or full satisfaction of loan obligations or upon foreclosure.

Past due status on all loans is based on the contractual terms of the loan.  It is generally the Corporation's policy that a loan 90 days past due be placed in non-accrual status unless factors exist that would eliminate the need to place a loan in this status.  A loan may also be designated as non-accrual at any time if payment of principal or interest in full is not expected due to deterioration in the financial condition of the borrower.  At the time loans are placed in non-accrual status, the accrual of interest is discontinued and previously accrued interest is reversed.  All payments received on non-accrual loans are applied to principal.  Loans are considered for return to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its contractual principal and interest.  In the case of non-accrual loans where a portion of the loan has been charged off, the remaining balance is kept in non-accrual status until the entire principal balance has been recovered.

Table 7 summarizes the Corporation's non-performing assets, excluding purchased credit impaired loans (amounts in thousands):

TABLE 7. NON-PERFORMING ASSETS

December 31,
  
2014
  
2013
  
2012
  
2011
  
2010
  
Non-accrual loans
  
$
6,798
  
$
7,456
  
$
7,456
  
$
9,554
  
$
6,805
  
Non-accrual troubled debt restructurings
    
980
    
1,061
    
1,061
    
4,057
    
3,793
  
Total non-performing loans
    
7,778
    
8,517
    
8,517
    
13,611
    
10,598
  
Other real estate owned
    
3,065
    
538
    
538
    
898
    
741
  
Total non-performing assets
  
$
10,843
  
$
9,055
  
$
9,055
  
$
14,509
  
$
11,339
  

Ratio of non-performing loans to total loans
  
0.69
%
  
0.86
%
  
0.68
%
  
1.71
%
  
1.73
%
Ratio of non-performing assets to total assets
  
0.71
%
  
0.61
%
  
0.53
%
  
1.19
%
  
1.18
%
Ratio of allowance for loan losses to non-performing loans
  
175.96
%
  
150.01
%
  
172.96
%
  
70.97
%
  
89.62
%
                               
Accruing loans past due 90 days or more (1)
$
1,454
  
$
1,473
  
$
4,484
  
$
7,304
  
$
11
  
Accruing troubled debt restructurings (1)
$
8,705
  
$
6,831
  
$
5,364
  
$
-
  
$
659
  
(1)
These loans are not included in nonperforming assets above.
33

Table 8 shows interest income on non-accrual and troubled debt restructured loans for the indicated years ended December 31 (amounts in thousands):

TABLE 8. INTEREST INCOME ON NON-ACCRUAL AND
 TROUBLED DEBT RESTRUCTURED LOANS
   
2014
    
2013
    
2012
  
Interest income that would have been recorded under original terms
  
$
463
    
$
541
    
$
666
  
Interest income recorded during the period
  
$
367
    
$
336
    
$
12
  

Non-Performing Loans

The recorded investment in non-performing loans at December 31, 2014, totaled $7.8 million compared to $8.5 million at year-end 2013, a decrease of $0.7 million.  The decrease in non-performing loans was due to decreases of $0.6 million in non-accrual loans and $0.1 million in non-accrual TDRs.  Non-performing commercial loans decreased $0.9 million while non-performing residential mortgages increased $0.3 million.

The recorded investment in accruing loans 90 days or more past due totaled $1.5 million at December 31, 2014, level with the recorded investment at December, 31, 2013.  At December 31, 2014, the recorded investment in accruing loans 90 days or more past due included $1.4 million in acquired construction loans not considered by management to be PCI loans, which for a variety of reasons are 90 days or more past their stated maturity dates.  However, the borrowers continue to make required interest payments.  Additionally, these loans carry third party credit enhancements, and based on the strength of those credit enhancements, the Corporation has not identified these loans as PCI loans and expects to incur no losses on these loans.

Not included in the non-performing loan totals are loans acquired in the April 2011 acquisition of Fort Orange Financial Corp. and its wholly-owned subsidiary, Capital Bank, which the Corporation had identified as PCI loans totaled $2.6 million and $9.7 million at December 31, 2014 and 2013, respectively.  The PCI loans are accounted for under separate accounting guidance, Accounting Standards Codification (“ASC”) Subtopic 310-30, “Receivables - Loans and Debt Securities Acquired with Deteriorated Credit Quality” as disclosed in Note 4 of the financial statements.

Troubled Debt Restructurings

The Corporation works closely with borrowers that have financial difficulties to identify viable solutions that minimize the potential for loss.  In that regard, the Corporation has modified the terms of select loans to maximize their collectability.  These modifications may be considered TDRs under current accounting guidance.  The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan. As of December 31, 2014, the Corporation had $1.0 million of non-accrual TDRs compared with $1.1 million as of December 31, 2013.  The decrease in non-accrual TDRs was in the commercial loan segment of the loan portfolio.  As of December 31, 2014, the Corporation had $8.7 million of accruing TDRs compared with $6.8 million as of December 31, 2013.  The increase in accruing TDRs was primarily in the commercial loan segment of the loan portfolio.
34

Impaired Loans

A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Impaired loans at December 31, 2014 totaled $15.9 million, including TDRs of $9.7 million, compared to $13.9 million at December 31, 2013, including TDRs of $7.9 million.  The increase in impaired loans was in the commercial loan segment of the loan portfolio.  Not included in the impaired loan totals are acquired loans which the Corporation has identified as PCI loans, as these loans are accounted for under ASC Subtopic 310-30 as noted under the above discussion of non-performing loans.  Included in the impaired loan total at December 31, 2014, are loans totaling $4.9 million for which impairment allowances of $1.2 million have been specifically allocated to the allowance for loan losses.  As of December 31, 2013, the impaired loan total included $2.0 million of loans for which specific impairment allowances of $1.0 million were allocated to the allowance for loan losses.  The increase in the amount of impaired loans for which specific allowances were allocated to the allowance for loan losses was due to an increase of $3.1 million in impaired commercial mortgages, partially offset by a decrease of $0.9 million in commercial and industrial loans.

The majority of the Corporation's impaired loans are secured and measured for impairment based on collateral evaluations.  It is the Corporation's policy to obtain updated appraisals, by independent third parties, on loans secured by real estate at the time a loan is determined to be impaired.  An impairment measurement is performed based upon the most recent appraisal on file to determine the amount of any specific allocation or charge-off.  In determining the amount of any specific allocation or charge-off, the Corporation will make adjustments to reflect the estimated costs to sell the property.  Upon receipt and review of the updated appraisal, an additional measurement is performed to determine if any adjustments are necessary to reflect the proper provisioning or charge-off.  Impaired loans are reviewed on a quarterly basis to determine if any changes in credit quality or market conditions would require any additional allocation or recognition of additional charge-offs.  Real estate values in the Corporation's market area have been holding steady.  Non-real estate collateral may be valued using (i) an appraisal, (ii) net book value of the collateral per the borrower’s financial statements, or (iii) accounts receivable aging reports, that may be adjusted based on management’s knowledge of the client and client’s business.  If market conditions warrant, future appraisals are obtained for both real estate and non-real estate collateral.

Allowance for Loan Losses

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.

Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.
35

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

Prior to December 31, 2012, the Corporation utilized the sum of all allowance amounts derived as described above, combined with a reasonable unallocated allowance, as the primary indicator of the appropriate level of allowance for loan losses.  During the fourth quarter of 2012, the Corporation refined its allowance calculation whereby it “allocated” the portion of the allowance that was previously deemed to be unallocated allowance.  This refined allowance calculation included specific allowance allocations for qualitative factors including (i) concentrations of credit, (ii) general economic and business conditions, (iii) trends that could affect collateral values and (iv) expectations regarding the current business cycle.  The Corporation may also consider other qualitative factors in future periods for additional allowance allocations, including, among other factors, (1) credit quality trends (including trends in non-performing loans expected to result from existing conditions), (2) seasoning of the loan portfolio, (3) specific industry conditions affecting portfolio segments, (4) the Corporation’s expansion into new markets and (5) the offering of new loan products.

Table 9 summarizes the Corporation’s allocation of the allowance for loan losses and percent of loans by category to total loans for each year in the five-year period ended December 31, 2014 (amounts in thousands):

TABLE 9. ALLOCATION OF ALLOWANCE FOR LOAN LOSSES
     
Balance at end of period applicable to:
  
2014
    
%
    
2013
    
%
    
2012
    
%
    
2011
    
%
    
2010
    
%
  
Commercial and
  agricultural
  
$
1,460
      
14.8
    
$
1,979
      
14.6
    
$
1,708
      
15.0
    
$
3,143
      
17.8
    
$
2,118
      
18.6
  
Commercial mortgages
    
6,326
      
40.4
      
6,243
      
37.5
      
4,428
      
35.9
      
2,570
      
33.2
      
2,575
      
21.7
  
Residential mortgages
    
1,572
      
17.5
      
1,517
      
19.7
      
1,565
      
22.4
      
1,310
      
24.3
      
1,302
      
28.3
  
Consumer loans
    
4,328
      
27.3
      
3,037
      
28.2
      
2,706
      
26.7
      
2,193
      
24.7
      
2,727
      
31.4
  
 
    
13,686
      
100.0
      
12,776
      
100.0
      
10,407
      
100.0
      
9,216
      
100.0
      
8,722
      
100.0
  
Unallocated
    
-
              
-
              
26
              
443
              
776
          
Total
  
$
13,686
            
$
12,776
            
$
10,433
            
$
9,659
            
$
9,498
          

36


Table 10 summarizes the Corporation's loan loss experience for each year in the five-year period ended December 31, 2014 (amounts in thousands, except ratio data):

TABLE 10. SUMMARY OF LOAN LOSS EXPERIENCE
   
Years Ended December 31,
  
   
2014
    
2013
    
2012
    
2011
    
2010
  
Allowance for loan losses at beginning of year
  
$
12,776
    
$
10,433
    
$
9,659
    
$
9,498
    
$
9,967
  
Reclassification of acquired loan discount
                    
124
      
-
      
-
  
Charge-offs:
                                        
   Commercial and agricultural
    
444
      
186
      
181
      
686
      
817
  
   Commercial mortgages
    
2,229
      
44
      
335
      
19
      
471
  
   Residential mortgages
    
97
      
124
      
83
      
67
      
83
  
   Consumer loans
    
1,508
      
1,139
      
674
      
726
      
840
  
 
                                        
Total
    
4,278
      
1,493
      
1,273
      
1,498
      
2,211
  
Recoveries:
                                        
   Commercial and agricultural
    
385
      
537
      
802
      
423
      
414
  
   Commercial mortgages
    
156
      
98
      
55
      
41
      
15
  
   Residential mortgages
    
32
      
65
      
-
      
45
      
-
  
   Consumer loans
    
634
      
381
      
238
      
192
      
188
  
                                         
Total
    
1,207
      
1,081
      
1,095
      
701
      
617
  
     Net charge-offs
    
3,071
      
412
      
178
      
797
      
1,594
  
Provision charged to operations
    
3,981
      
2,755
      
828
      
958
      
1,125
  
Allowance for loan losses at end of year
  
$
13,686
    
$
12,776
    
$
10,433
    
$
9,659
    
$
9,498
  
                                         
Ratio of net charge-offs during year to average loans outstanding
    
0.29
%
    
0.04
%
    
0.02
%
    
0.11
%
    
0.27
%
Ratio of allowance for loan losses to total loans outstanding
    
1.22
%
    
1.28
%
    
1.17
%
    
1.21
%
    
1.55
%

Net charge-offs for 2014 were $3.1 million compared with $0.4 million for 2013.  The ratio of net charge-offs to average loans outstanding was 0.29% for 2014 compared to 0.04% for 2013.  The increase in net charge-offs was due primarily to increases of $2.1 million in commercial mortgage and $0.4 million in commercial and agricultural net charge-offs.

Other Real Estate Owned

At December 31, 2014, other real estate owned (“OREO”) totaled $3.1 million compared to $0.5 million at December 31, 2013.  The increase in other real estate owned was due primarily to the transfer of two acquired PCI commercial loans.

Other Assets

The $10.1 million increase in other assets was due primarily to the recording of a receivable from the Corporation’s insurance carrier related to the settlement of the two legal proceedings involving its Wealth Management Group and the increase in other real estate owned.

37

Deposits

Deposits totaled $1.280 billion at December 31, 2014, compared with $1.266 billion at December 31, 2013, an increase of $13.8 million, or 1.1%.  At December 31, 2014, demand deposit and money market accounts comprised 68.0% of total deposits compared with 65.3% at December 31, 2013.  Sorted by public, commercial, consumer and broker sources, the growth in deposits was due primarily to increases of $38.3 million in brokered and $5.7 million in commercial deposits, partially offset by decreases of $25.2 million in consumer and $5.0 million in public deposits accounts.

Brokered deposits include funds obtained through brokers, and the Bank’s participation in the Certificate of Deposit Account Registry Service (“CDARS”) and Insured Cash Sweep Service (“ICS”) programs.  The CDARS and ICS programs involve a network of financial institutions that exchange funds among members in order to ensure FDIC insurance coverage on customer deposits above the single institution limit.  Using a sophisticated matching system, funds are exchanged on a dollar-for-dollar basis, so that the equivalent of an original deposit comes back to the originating institution.  Deposits obtained through brokers were $2.3 million and $5.0 million as of December 31, 2014 and 2013, respectively.  Deposits obtained through the CDARS and ICS programs were $76.7 million and $35.7 million as of December 31, 2014 and 2013, respectively.  The increase in CDARS and ICS deposits was due to the Corporation offering the programs to local municipalities.

The Corporation’s deposit strategy is to fund the Bank with stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposit accounts.  A checking account is the driver of a banking relationship and consumers consider the bank where they have their checking account as their primary bank.  These customers will typically turn to their primary bank first when in need of other financial services.  Strategies that have been developed and implemented to generate these deposits include: (i) acquire deposits by entering new markets through de novo branching, (ii) an annual checking account marketing campaign, (iii) training branch employees to identify and meet client financial needs with Bank products and services, (iv) link business and consumer loans to a primary checking account at the Bank, (v) aggressively promote direct deposit of client’s payroll checks or benefit checks and (vi) constantly monitor the Corporation’s pricing strategies to ensure competitive products and services.

The Corporation also considers brokered deposits to be an element of its deposit strategy and anticipates that it will continue using brokered deposits as a secondary source of funding to support growth.

Information regarding deposits is included in Note 7 to the consolidated financial statements appearing elsewhere in this report.

Borrowings

FHLBNY advances increased $24.9 million to $50.1 million at December 31, 2014 from $25.2 million at December 31, 2013.  FHLBNY overnight advances increased $30.8 million during 2014 while FHLBNY term advances decreased $5.9 million.

For each of the three years ended December 31, 2014, 2013 and 2012, respectively, the average outstanding balance of borrowings that mature in one year or less did not exceed 30% of shareholders' equity.

Information regarding securities sold under agreements to repurchase and FHLBNY advances is included in notes 8 and 9 to the consolidated financial statements appearing elsewhere in this report.

Liquidity and Capital Resources

Liquidity management involves the ability to meet the cash flow requirements of deposit clients, borrowers, and the operating, investing and financing activities of the Corporation.  The Corporation uses a variety of resources to meet its liquidity needs. These include short term investments, cash flow from lending and investing activities, core-deposit growth and non-core funding sources, such as time deposits of $100,000 or more, securities sold under agreements to repurchase and other borrowings.

The Corporation is a member of the FHLBNY which allows it to access borrowings which enhance management's ability to satisfy future liquidity needs.  Based on available collateral and current advances outstanding, the Corporation was eligible to borrow up to a total of $86.0 million and $73.1 million at December 31, 2014 and 2013, respectively.  The Corporation also had a total of $27.8 million of unsecured lines of credit with four different financial institutions, all of which was available at December 31, 2014 and 2013.
38

During 2014, cash and cash equivalents decreased $22.4 million.  The major sources of cash during 2014 included $18.4 million provided by operating activities, $90.2 million in proceeds from sales, maturities, calls and principal reductions on securities, $13.8 million in deposits and $24.9 million in FHLBNY advances.  These proceeds were used primarily to fund purchases of securities totaling $27.2 million, a $131.9 million net increase in loans, payment of cash dividends in the amount of $4.8 million and purchases of fixed assets totaling $2.6 million.

During 2013, cash and cash equivalents increased $11.4 million.  The major sources of cash during 2013 included $170.9 million received from the branch acquisition, $22.8 million provided by operating activities, $67.9 million in proceeds from sales, maturities, calls and principal reductions on securities and $40.9 million in organic deposit growth.  These proceeds were used primarily to fund purchases of securities totaling $180.5 million, a $101.5 million net increase in loans, payment of cash dividends in the amount of $3.6 million and purchases of fixed assets totaling $3.7 million.

Shareholders’ Equity

Total shareholders’ equity was $133.6 million at December 31, 2014, compared with $138.6 million at December 31, 2013, a decrease of $5.0 million, or 3.6%.  The decrease was due primarily to an $8.9 million decrease in accumulated other comprehensive income and declared dividends of $4.8 million, partially offset by net income of $8.2 million and a reduction of $0.7 million in treasury stock.  The total shareholders’ equity to total assets ratio was 8.77% at December 31, 2014 compared with 9.39% at December 31, 2013.  Tangible equity to tangible assets ratio decreased to 7.13% at December 31, 2014, from 7.62% at December 31, 2013.

The Corporation and the Bank are subject to capital adequacy guidelines of the Federal Reserve which establish a framework for the classification of financial holding companies and financial institutions into five categories:  well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized.  As of December 31, 2014, both the Corporation’s and the Bank’s capital ratios were in excess of those required to be considered well-capitalized under regulatory capital guidelines.  A comparison of the Corporation’s and the Bank’s actual capital ratios to the ratios required to be adequately or well-capitalized at December 31, 2014 and 2013, is included in note 17 to the consolidated financial statements appearing elsewhere in this report.  For more information regarding current capital regulations see Part I-“Business-Supervision and Regulation-Regulatory Capital.”

Cash dividends declared during 2014 totaled $4.8 million or $1.04 per share compared to $4.8 million or $1.04 per share in 2013 and $4.6 million or $1.00 per share in 2012.  Dividends declared during 2014 amounted to 58.8% of net income compared to 54.7% and 41.5% of net income for 2013 and 2012, respectively.  Management seeks to continue generating sufficient capital internally, while continuing to pay adequate dividends to the Corporation’s shareholders.

When shares of the Corporation become available in the market, the Corporation may purchase them after careful consideration of the Corporation’s liquidity and capital positions.  Purchases may be made from time to time on the open market or in privately negotiated transactions at the discretion of management.  On December 19, 2012, the Board of Directors approved a new stock repurchase plan under which the Corporation may repurchase up to 125,000 shares.  No shares were purchased under the new plan in 2014.  During 2013, the Corporation purchased 3,094 shares at a total cost of $93 thousand under the new plan.  Under the previous plan, the Corporation purchased 68,564 shares.

Off-Balance Sheet Arrangements

In the normal course of operations, the Corporation engages in a variety of financial transactions that, in accordance with GAAP are not recorded in the financial statements.  The Corporation is also a party to certain financial instruments with off balance sheet risk such as commitments under standby letters of credit, unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.  These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk.  Such transactions are generally used by the Corporation to manage clients' requests for funding and other client needs.
39

Table 11 shows the Corporation’s off-balance sheet arrangements as of December 31, 2014 (amounts in thousands):

TABLE 12. COMMITMENT MATURITY BY PERIOD

   
Total
    
2015
      
2016 - 2017
      
2018 - 2019
    
2020 and thereafter
  
Standby letters of credit
  
$
16,747
    
$
15,653
    
$
656
    
$
438
    
$
-
  
Unused portions of lines of credit (1)
    
126,460
      
126,460
      
-
      
-
      
-
  
Commitments to fund new loans
    
34,838
      
34,838
      
-
      
-
      
-
  
  Total
  
$
178,044
    
$
176,951
    
$
656
    
$
437
    
$
-
  
(1) Not included in this total are unused portions of home equity lines of credit, credit card lines and consumer overdraft protection lines of credit, since no contractual maturity dates exist for these types of loans.  Commitments to outside parties under these lines of credit were $41,261, $13,405 and $4,921, respectively, at December 31, 2014.

Contractual Obligations

Table 13 shows the Corporation’s contractual obligations under long-term agreements as of December 31, 2014 (amounts in thousands).  Note references are to the Notes of the Consolidated Financial Statements:

TABLE 13. CONTRACTUAL OBLIGATIONS

   
Payments Due by Period
  
 
  
Total
    
2015
      
2016 - 2017
      
2018 - 2019
    
2020 and thereafter
  
Time Deposits (Note 7)
  
$
211,843
    
$
155,295
    
$
44,289
    
$
10,626
    
$
1,633
  
Federal Home Loan Bank advances (Note 9)
    
50,140
      
30,830
      
17,241
      
2,069
      
-
  
Securities sold under agreements to
  repurchase (Note 8)
    
29,652
      
9,652
      
20,000
      
-
      
-
  
Operating leases (Note 5)
    
9,873
      
1,429
      
2,309
      
1,981
      
4,154
  
Capital leases (Note 5)
    
3,814
      
234
      
468
      
468
      
2,644
  
Data processing services and other
    
5,203
      
1,518
      
2,183
      
1,455
      
47
  
  Total (1)
  
$
310,520
    
$
208,953
    
$
78,559
    
$
14,530
    
$
8,478
  
(1) Not included in the above total is the Corporation's obligation regarding the Pension Plan and Other Benefit Plans.  Please refer to Part IV Item 15 Note 11 for information regarding these obligations at December 31, 2014.

Results of Operations 2014 vs. 2013

Net Income

Net income for 2014 was $8.2 million, a decrease of $0.5 million, or 6.6%, compared with $8.7 million for 2013.  Earnings per share for 2014 was $1.74 compared with $1.87 for 2013.  Return on average assets and return on average equity for 2014 were 0.54% and 5.74%, respectively, compared with 0.67% and 6.50%, respectively, for 2013.

The decline in 2014 earnings was due primarily to increases of $11.1 million in non-interest expense and $1.2 million in the provision for loan losses, partially offset by increases of $8.7 million in non-interest income and $2.9 million in net interest income.  The increase in non-interest expense was due to a $4.3 million accrual for legal settlement regarding two legal proceedings involving the Bank’s Wealth Management Group, along with increases of $2.0 million in salaries and wages, $1.6 million in net occupancy expense, $1.6 million in data processing expense, $0.7 million in professional services, $0.6 million in furniture and equipment expense and $0.4 million in amortization of intangible assets.  A portion of the increase in non-interest expense was due to operating expenses directly related to the branch offices acquired in the fourth quarter of 2013, along with upgrades for ATMs and software.  The increase in non-interest income was due primarily to $6.9 million in net gains on security transactions, along with increases of $0.4 million in Wealth Management Group fee income and $0.6 million in service charges on deposit accounts.
40
Net Interest Income

Net interest income, which is the difference between the income we receive on interest-earning assets, such as loans and securities and the interest we pay on interest-bearing liabilities, such as deposits and borrowings, is the largest contributor to our earnings.

For 2014, net interest income totaled $49.6 million, an increase of $3.0 million, or 6.3%, compared with $46.6 for 2013, and the net interest margin was 3.59% for 2014 compared with 3.91% for 2013.  The decline in net interest income was due primarily to margin compression evidenced by a 40 basis point decrease in the yield on interest-earning assets, partially offset by a 10 basis point decline in the cost of funds and an increase of $189.6 million in average interest-earning assets.  The decline in net interest margin was due primarily to yields on interest-earning assets decreasing at a faster rate than the cost of interest-bearing liabilities.  The decrease in yield on interest-earning assets was attributable to lower loan yields as loans continue to adjust to current market rates and the investment of cash from the acquired branch offices into investment securities.

For 2014, total average funding liabilities, including non-interest-bearing demand deposits, increased $191.7 million, or 16.5%, to $1.354 billion.  The growth was primarily due to increases of $120.7 million in average savings and money market deposits, $59.3 million in non-interest-bearing demand deposits and $30.2 million in interest-bearing demand deposits.  These items were partially offset by decreases of $12.9 million in borrowings and $5.6 million in time deposits.  While average interest-bearing liabilities increased $132.4 million, or 15.4%, interest expense decreased $0.4 million, or 9.6%, as the average cost of interest-bearing liabilities decreased 10 basis points to 0.37%.

Provision for Loan Losses

For 2014 the provision for loan loss expense totaled $4.0 million compared to $2.8 million for 2013.  The increase was due primarily to additional impairments on commercial loans and growth in the loan portfolio.

Non-Interest Income

Non-interest income for 2014 was $26.8 million compared with $18.1 million for 2013, an increase of $8.7 million, or 48.0%.  The increase was due primarily to $6.9 million in net gains on security transactions, and increases of $0.4 million in Wealth Management Group fee income and $0.6 million in service charges on deposit accounts.

Current assets under management or administration of the Corporation’s Wealth Management Group include investment, trust and retirement-related business lines.  The market value of total assets under management or administration in the Wealth Management Group were $1.956 billion at December 31, 2014, compared with $1.888 billion at December 31, 2013, an increase of $68.0 million, or 3.6%.  As a result, Wealth Management Group fee income increased for 2014.  Wealth Management Group’s efforts in 2014 were focused on programs that include a private banking program with financial planning capabilities to serve the financial needs of high net worth individuals and an enhanced retirement services program to increase the number of plans under management and fee income.

Non-Interest Expense

Non-interest expense for 2014 was $60.5 million compared with $49.4 million for 2013, an increase of $11.1 million, or 22.4%.  Excluding a $4.3 million pre-tax legal settlement from 2014, non-interest expense increased $6.8 million, or 13.8%, for 2014.  The accrual for legal settlement was the result of two legal proceedings involving the Bank’s Wealth Management Group.  The $6.8 million increase in non-interest expense, excluding the accrual for legal settlement, was due primarily to increases of $2.0 million in salaries and wages, $1.6 million in net occupancy expense, $0.6 million in furniture and equipment expense, $1.6 million in data processing costs, $0.7 million in professional fees, $0.4 million in amortization of intangible assets and $1.0 million in other non-interest expenses.  These items were partially offset by a decrease of $1.3 million in merger and acquisition expense.  A portion of the increase in non-interest expense was due to operating expenses directly related to the branch offices acquired in the fourth quarter of 2013, along with upgrades for ATMs and software.

Income Taxes

Income tax expense for 2014 was $3.7 million compared with $3.8 million for 2013, a decrease of $0.1 million, or 3.0%.  Income tax expense reflects an effective tax rate of 31.3% for 2014 compared with 30.4% for 2013, due primarily to a decrease in the relative percentage of tax exempt income to pre-tax income.


41

Results of Operations 2013 vs. 2012

Net Income

Net income for 2013 was $8.7 million, a decrease of $2.3 million, or 20.8%, compared with $11.0 million for 2012.  Earnings per share for 2013 was $1.87 compared with $2.38 for 2012.  Return on average assets and return on average equity for 2013 were 0.67% and 6.50%, respectively, compared with 0.88% and 8.41%, respectively, for 2012.

The decline in 2013 earnings was due primarily to increases of $1.9 million in the provision for loan losses and $2.6 million in non-interest expense, which included $1.4 million in pre-tax branch acquisition costs.  Net interest income decreased $0.2 million in 2013.  These items were partially offset by a reduction of $1.6 million in income taxes and an increase of $0.9 million in non-interest income.  The increase in non-interest income was due primarily to increases of $0.5 million in Wealth Management Group fee income, $0.5 million in services charges on deposit accounts and a gain of $0.5 million from the branch acquisition.  These items were offset by the 2012 pre-tax casualty gain of $0.8 million from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices.

Net Interest Income

Net interest income, which is the difference between the income we receive on interest-earning assets, such as loans and securities and the interest we pay on interest-bearing liabilities, such as deposits and borrowings, is the largest contributor to our earnings.

For 2013, net interest income totaled $46.6 million, a slight decrease of $0.2 million, or 0.5%, compared with $46.8 for 2012, and the net interest margin was 3.85% for 2013 compared with 4.07% for 2012.  The decline in net interest income was due primarily to margin compression evidenced by a 34 basis point decrease in the yield on interest-earning assets, partially offset by a 16 basis point decline in the cost of funds and an increase of $59.3 million in average earning assets.  The decline in net interest margin was due primarily to yields on interest-earning assets decreasing at a faster rate than the cost of interest-bearing liabilities.  The decrease in yield on interest-earning assets was attributable to lower loan yields as loans continue to reprice at current market rates.  In addition, the Corporation anticipated a decline in the yield on interest-earning assets due in part to its investment of cash from the branch acquisition into investment securities.

For 2013, total average funding liabilities, including non-interest-bearing demand deposits, increased $46.5 million, or 4.2%, to $1.160 billion compared to 2012.  The growth was primarily due to increases of $49.6 million in average savings and money market deposits and $18.4 million in demand deposits, partially offset by a decrease of $26.9 million in time deposits.  While average interest-bearing liabilities increased $28.1 million, or 3.4%, interest expense decreased $1.2 million, or 22.9%, as the average cost of interest-bearing liabilities decreased 16 basis points to 0.47%.

Provision for Loan Losses

For 2013 the provision for loan loss expense totaled $2.8 million compared to $0.8 million for 2012.  The increase was due principally to the establishment of $0.9 million in additional specific reserves on three commercial loans, loan portfolio growth and net charge-offs.

Non-Interest Income

Non-interest income for 2013 was $18.1 million compared with $17.2 million for 2012, an increase of $0.9 million, or 5.2%.  The increase was due primarily to a gain of $0.5 million from the branch acquisition and increases of $0.5 million in Wealth Management Group fee income and $0.5 million in service charges on deposit accounts.  These items were partially offset by reductions of $0.8 million in casualty gains from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices and $0.3 million in net gain on securities transactions.

42

Current assets under management or administration of the Corporation’s Wealth Management Group include investment, trust and retirement-related business lines.  The market value of total assets under management or administration in the Wealth Management Group were $1.888 billion at December 31, 2013, compared with $1.735 billion at December 31, 2012, an increase of $153.0 million, or 8.8%.  As a result, Wealth Management Group fee income increased for 2013, as the Wealth Management Group’s efforts were focused on programs that include a private banking program with financial planning capabilities, to serve the financial needs of high net worth individuals, and an enhanced retirement services program to increase the number of plans under management and fee income.

Non-Interest Expense

Non-interest expense for 2013 was $49.4 million compared with $46.8 million for 2012, an increase of $2.6 million, or 5.6%.  Excluding $1.4 million in pre-tax branch acquisition costs from 2013, non-interest expense increased $1.2 million, or 2.7% for 2013.  This increase was due primarily to increases of $0.4 million in salaries and wages, $0.3 million in pension and other employee benefits, $0.3 million in net occupancy expense and $0.3 million in data processing costs.  These items were partially offset by a decrease of $0.5 million in professional services related to consultant fees.

Included in the increase in salaries and wages was $0.1 million related to the branch acquisition, and the remainder to compensation expense related to merit increases and incentive compensation.  The increase in pension and other employee benefits was primarily due to higher pension and retirement costs.  The increase in net occupancy was due primarily to higher depreciation and rent expense, both related to the Bank of America branch acquisition.  The increase in data processing expenses was primarily due to higher software maintenance fees and telephone data lines related to the branch acquisition.

Income Taxes

Income tax expense for 2013 was $3.8 million compared with $5.4 million for 2012, a decrease of $1.6 million, or 29.0%.  Income tax expense reflects an effective tax rate of 30.4% for 2013 compared with 32.8% for 2012, due primarily to lower pre-tax income and an increase in the relative percentage of tax exempt income to pre-tax income.
43
Table 14 sets forth certain information related to the Corporation’s average consolidated balance sheets and its consolidated statements of income for the years indicated and reflects the average yield on assets and average cost of liabilities for the years indicated.  For the purpose of the table below, non-accruing loans are included in the daily average loan amounts outstanding.  Daily balances were used for average balance computations.  Investment securities are stated at amortized cost.  Tax equivalent adjustments have been made in calculating yields on obligations of states and political subdivisions, tax-free commercial loans and dividends on equity securities.

TABLE 14. AVERAGE BALANCES AND YIELDS
Distribution of Assets, Liabilities and Shareholders' Equity, Interest Rates and Interest Differential Year Ended December 31,
(Amounts in thousands)
  
2014
    
2013
    
2012
Assets
  
Average Balance
  
Interest
  
Yield/ Rate
    
Average Balance
  
Interest
  
Yield/ Rate
    
Average Balance
  
Interest
  
Yield/
Rate
Earning assets:
          
Commercial, agricultural and commercial mortgage loans
  
$
568,448
  
$
28,181
    
4.96
%
  
$
486,364
  
$
26,146
    
5.38
%
  
$
429,966
  
$
25,649
    
5.97
%
Mortgage loans
    
195,266
    
8,134
    
4.17
%
    
198,903
    
8,638
    
4.34
%
    
194,643
    
9,425
    
4.84
%
Consumer loans
    
302,665
    
10,947
    
3.62
%
    
257,641
    
10,484
    
4.07
%
    
219,646
    
10,322
    
4.70
%
Taxable securities
    
267,117
    
5,122
    
1.92
%
    
209,676
    
4,468
    
2.13
%
    
214,616
    
5,424
    
2.53
%
Tax-exempt securities
    
39,890
    
1,415
    
3.55
%
    
42,253
    
1,605
    
3.80
%
    
48,653
    
1,834
    
3.77
%
Interest-bearing deposits
    
25,899
    
64
    
0.25
%
    
14,836
    
36
    
0.24
%
    
42,884
    
153
    
0.36
%
Total earning assets
    
1,399,285
    
53,863
    
3.85
%
    
1,209,673
    
51,377
    
4.25
%
    
1,150,408
    
52,807
    
4.59
%
Non-earning assets:
                                                          
                
Cash and due from banks
    
26,653
                  
23,739
                  
24,369
            
    
Premises and equipment, net
    
30,447
                  
25,606
                  
24,806
            
    
Other assets
    
52,014
                  
46,752
                  
50,854
            
    
Allowance for loan losses
    
(13,082
)
                
(11,212
)
                
(10,425
)
          
    
AFS adjustment to fair value
    
11,007
                  
11,809
                  
13,713
            
    
     Total
  
$
1,506,324
                
$
1,306,367
                
$
1,253,725
            
    
Liabilities and Shareholders' Equity
                                                          
                
Interest-bearing liabilities:
                                                          
                
Now deposits
  
$
126,593
    
101
    
0.08
%
  
$
96,392
    
91
    
0.09
%
  
$
89,759
    
95
    
0.11
%
Savings and insured money market deposits
    
585,616
    
988
    
0.17
%
    
464,976
    
833
    
0.18
%
    
415,253
    
828
    
0.20
%
Time deposits
    
223,841
    
954
    
0.43
%
    
229,426
    
1,426
    
0.62
%
    
256,291
    
2,258
    
0.88
%
Federal Home Loan Bank advances, securities sold
  under agreements to repurchase and other debt
    
56,625
    
1,602
    
2.83
%
    
69,498
    
1,682
    
2.42
%
    
70,716
    
2,053
    
2.90
%
Total interest-bearing liabilities
    
992,675
    
3,645
    
0.37
%
    
860,292
    
4,032
    
0.47
%
    
832,019
    
5,234
    
0.63
%
Non-interest-bearing liabilities:
                                                          
                
Demand deposits
    
361,393
                  
302,046
                  
283,654
            
    
Other liabilities
    
10,210
                  
9,744
                  
6,933
            
    
Total liabilities
  
$
1,364,278
                
$
1,172,082
                
$
1,122,606
            
    
Shareholders' equity
    
142,046
                  
134,285
                  
131,119
            
    
     Total
  
$
1,506,324
                
$
1,306,367
                
$
1,253,725
            
    
Fully taxable equivalent net interest income
          
50,218
                  
47,345
                  
47,573
         
Net interest rate spread (1)
                
3.48
%
                
3.78
%
                
3.96
%
Net interest margin, fully taxable equivalent (2)
                
3.59
%
                
3.91
%
                
4.14
%
Taxable equivalent adjustment
          
(650
)
                
(714
)
                
(731
)
       
Net interest income
        
$
49,568
                
$
46,631
                
$
46,842
         
(1)Net interest rate spread is the difference in the yield received on earning assets less the rate paid on interest-bearing liabilities.
(2)Net interest margin is the ratio of fully taxable equivalent net interest income divided by average earning assets.

44
CHANGES DUE TO VOLUME AND RATE

Net interest income can be analyzed in terms of the impact of changes in rates and volumes.  Table 15 illustrates the extent to which changes in interest rates and in the volume of average interest-earning assets and interest-bearing liabilities have affected the Corporation’s interest income and interest expense during the periods indicated.  Information is provided in each category with respect to (i) changes attributable to changes in volume (changes in volume multiplied by prior rate); (ii) changes attributable to changes in rates (changes in rates multiplied by prior volume); and (iii) the net changes.  For purposes of this table, changes that are not due solely to volume or rate changes have been allocated to these categories based on the respective percentage changes in average volume and rate.  Due to the numerous simultaneous volume and rate changes during the periods analyzed, it is not possible to precisely allocate changes between volume and rates.  In addition, average earning assets include non-accrual loans and taxable equivalent adjustments were made.

TABLE 15. RATE/VOLUME ANALYSIS OF NET INTEREST INCOME

 
2014 vs. 2013
  
2013 vs. 2012
  
 
Increase/(Decrease)
  
Increase/(Decrease)
  
 
Total
  
Due to
  
Due to
  
Total
  
Due to
  
Due to
  
 
Change
  
Volume
  
Rate
  
Change
  
Volume
  
Rate
  
 Interest income (in thousands)
            
Commercial, agricultural and commercial
  mortgage loans
  
$
2,035
    
$
4,178
    
$
(2,143
)
  
$
497
    
$
3,175
    
$
(2,678
)
Mortgage loans
    
(504
)
    
(156
)
    
(348
)
    
(787
)
    
202
      
(989
)
Consumer loans
    
463
      
1,708
      
(1,245
)
    
162
      
1,651
      
(1,489
)
Taxable investment securities
    
654
      
1,134
      
(480
)
    
(956
)
    
(122
)
    
(834
)
Tax-exempt investment securities
    
(190
)
    
(87
)
    
(103
)
    
(229
)
    
(243
)
    
14
  
Interest-bearing deposits
    
28
      
27
      
1
      
(117
)
    
(79
)
    
(38
)
Total interest income
  
$
2,486
    
$
6,804
    
$
(4,318
)
  
$
(1,430
)
  
$
4,584
    
$
(6,014
)

Interest expense (in thousands)
                        
Interest-bearing demand deposits
  
$
10
    
$
26
    
$
(16
)
  
$
(4
)
  
$
7
    
$
(11
)
Savings and insured money market deposits
    
155
      
206
      
(51
)
    
5
      
94
      
(89
)
Time deposits
    
(472
)
    
(34
)
    
(438
)
    
(832
)
    
(218
)
    
(614
)
FHLBNY advances, securities sold under agreements to repurchase and other debt
    
(80
)
    
(339
)
    
259
      
(371
)
    
(34
)
    
(337
)
Total interest expense
    
(387
)
    
(141
)
    
(246
)
    
(1,202
)
    
(151
)
    
(1,051
)
                                                 
Net interest income
  
$
2,873
    
$
6,945
    
$
(4,072
)
  
$
(228
)
  
$
4,735
    
$
(4,963
)


ADOPTION OF NEW ACCOUNTING STANDARDS

There are no recently issued accounting standards that the Corporation feels will have a material impact on its consolidated financial statements.

45
ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest Rate Risk

Management considers interest rate risk to be the most significant market risk for the Corporation.  Market risk is the risk of loss from adverse changes in market prices and rates.  Interest rate risk is the exposure to adverse changes in the net income of the Corporation as a result of changes in interest rates.

The Corporation’s primary earnings source is net interest income, which is affected by changes in the level of interest rates, the relationship between rates, the impact of interest rate fluctuations on asset prepayments, the level and composition of deposits and liabilities, and credit quality of earning assets.

The Corporation’s objectives in its asset and liability management are to maintain a strong, stable net interest margin, to utilize its capital effectively without taking undue risks, to maintain adequate liquidity, and to reduce vulnerability of its operations to changes in interest rates.  The Corporation's Asset/Liability Committee (“ALCO”) has the strategic responsibility for setting the policy guidelines on acceptable exposure to interest rate risk.  These guidelines contain specific measures and limits regarding the risks, which are monitored on a regular basis.  The ALCO is made up of the president and chief executive officer, the chief financial officer, the asset liability management officer, and other officers representing key functions.

Interest rate risk is the risk that net interest income will fluctuate as a result of a change in interest rates.  It is the assumption of interest rate risk, along with credit risk, that drives the net interest margin of a financial institution. For that reason, the ALCO has established tolerance limits based upon a 200-basis point change in interest rates, with appropriate floors set for interest-bearing liabilities.  At December 31, 2014, it is estimated that an immediate 200-basis point decrease in interest rates would negatively impact the next 12 months net interest income by 9.45% and an immediate 200-basis point increase would negatively impact the next 12 months net interest income by 9.62%.  Both are within the Corporation's policy guideline of 15%. Given the overall low level of current interest rates and the unlikely event of a 200-basis point decline from this point, management additionally modeled an immediate 100-basis point decline and an immediate 300-basis point increase in interest rates. When applied, it is estimated these scenarios would result in negative impacts to net interest income of 4.25% and 14.39%, respectively.

A related component of interest rate risk is the expectation that the market value of the Corporation’s capital account will fluctuate with changes in interest rates.  This component is a direct corollary to the earnings-impact component: an institution exposed to earnings erosion is also exposed to shrinkage in market value.  At December 31, 2014, it is estimated that an immediate 200-basis point decrease in interest rates would negatively impact the market value of the Corporation’s capital account by 7.29% and an immediate 200-basis point increase in interest rates would negatively impact the market value by 4.27%.  Both are within the Corporation’s policy guideline of 15%.  Management also modeled the impact to the market value of the Corporation’s capital with an immediate 100-basis point decline and an immediate 300-basis point increase in interest rates, based on the current interest rate environment.  When applied, it is estimated these scenarios would result in negative impacts to the market value of the Corporation’s capital of 3.99% and 6.61%, respectively.

Management does recognize the need for certain hedging strategies during periods of anticipated higher fluctuations in interest rates and the Funds Management Policy provides for limited use of certain derivatives in asset liability management. These strategies were not employed during 2014.

Credit Risk

The Corporation manages credit risk consistent with state and federal laws governing the making of loans through written policies and procedures; loan review to identify loan problems at the earliest possible time; collection procedures (continued even after a loan is charged off); an adequate allowance for loan losses; and continuing education and training to ensure lending expertise.  Diversification by loan product is maintained through offering commercial loans, 1-4 family mortgages, and a full range of consumer loans.

The Corporation monitors its loan portfolio carefully.  The Loan Committee of the Corporation's Board of Directors is designated to receive required loan reports, oversee loan policy, and approve loans above authorized individual and Senior Loan Committee lending limits.  The Senior Loan Committee, consisting of the President and Chief Executive Officer, Chief Administrative and Risk Officer (non-voting member), business client division manager, retail client division manager, commercial loan manager, consumer loan manager, mortgage loan manager, and the President and commercial loan manager of the Capital Bank division, implements the Board-approved loan policy.
46

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The financial statements listed in Part III, Item 15 are filed as part of this report and appear on pages F-1 through F-55.

ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

Item 9A.  CONTROLS AND PROCEDURES

(a) Evaluation of Disclosure Controls and Procedures

The Corporation's management, with the participation of our President and Chief Executive Officer, who is the Corporation's principal executive officer, and our Treasurer and Chief Financial Officer, who is the Corporation's principal financial officer, has evaluated the effectiveness of the Corporation's disclosure controls and procedures as of December 31, 2014.  Based upon that evaluation, the President and Chief Executive Officer and the Treasurer and Chief Financial Officer have concluded that the Corporation's disclosure controls and procedures are effective as of December 31, 2014.

(b) Management's Report on Internal Control over Financial Reporting

We, as members of management of the Corporation, are responsible for establishing and maintaining adequate internal control over financial reporting.  The Corporation's internal control over financial reporting is a process designed to provide reasonable assurance to the Corporation's management and Board of Directors regarding the reliability of financial reporting and the preparation of the Corporation's financial statements for external purposes in accordance with U.S. generally accepted accounting principles.  Internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Corporation, (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with accounting principles generally accepted in the United States of America, and that receipts and expenditures of the Corporation are being made only in accordance with authorizations of management and directors of the Corporation, and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Corporation's assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements.  Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies and procedures may deteriorate.

As of December 31, 2014 management assessed the effectiveness of the Corporation's internal control over financial reporting based on the criteria for effective internal control over financial reporting established in the "1992 Internal Control-Integrated Framework," issued by the Committee of Sponsoring Organizations (COSO) of the Treadway Commission.  Based on the assessment, we assert that the Corporation maintained effective internal control over financial reporting as of December 31, 2014 based on the specified criteria.

Crowe Horwath LLP, an independent registered public accounting firm, which audited the Corporation's 2014 consolidated financial statements included in the Annual Report, has issued an audit report on the effectiveness of the Corporation's internal control over financial reporting.



47

(c) Changes in Internal Control over Financial Reporting

During year ended December 31, 2014, we implemented internal control procedures to address a previously identified material weakness related to the identification of troubled debt restructurings.  These internal controls included the creation of a formal tracking process of all extension, renewal, modification, or consolidation/refinance loans, which is completed on a quarterly basis, to ensure all troubled debt restructurings are properly identified, strengthening our procedures of troubled debt restructurings, and providing additional training to our loan underwriting and credit administration functions.  After completing our testing of the design and operating effectiveness of these new procedures, we concluded that we have remediated the previously identified material weakness as of December 31, 2014. 

During the fourth quarter, except for the items described above, there have been no changes in the Corporation’s internal control over financial reporting that have materially affected, or that are reasonably likely to material affect, the Corporation’s internal control over financial reporting.



  /s/ Ronald M. Bentley                                                                                                                                                                 /s/ Karl F. Krebs
Ronald M. Bentley
  
Karl F. Krebs
President and Chief Executive Officer
  
Chief Financial Officer and Treasurer
March 13, 2015
  
March 13, 2015


Item 9B.                          OTHER INFORMATION
None.
48
PART III

ITEM 10.  DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

Information responsive to this Item 10 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2015 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2014 fiscal year end.


ITEM 11.  EXECUTIVE COMPENSATION

Information responsive to this Item 11 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2015 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2014 fiscal year end.


ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT, AND RELATED STOCKHOLDER MATTERS

Information responsive to this Item 12 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2015 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2014 fiscal year end.


ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

Information responsive to this Item 13 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2015 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2014 fiscal year end.


ITEM 14.  PRINCIPAL ACCOUNTANT FEES AND SERVICES

Information responsive to this Item 14 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2015 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2014 fiscal year end.
49
PART IV

ITEM 15.  EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
(a) (1) The following consolidated financial statements of the Corporation appear on pages F-1 through F-55 of this report and are incorporated in Part II, Item 8:

Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
 
Consolidated Financial Statements
  Consolidated Balance Sheets as of December 31, 2014 and 2013
 
  Consolidated Statements of Income for the three years ended December 31, 2014
 
  Consolidated Statements of Comprehensive Income for the three years ended December 31, 2014
 
  Consolidated Statements of Shareholders' Equity for the three years ended December 31, 2014
 
  Consolidated Statements of Cash Flows for the three years ended December 31, 2014
 
  Notes to Consolidated Financial Statements

(2) Financial statement schedules have been omitted because they are not applicable or the required information is shown in the Consolidated Financial Statements or the Notes thereto under Item 8, "Financial Statements and Supplementary Data".

(b)                          The following exhibits are either filed with this Form 10-K or are incorporated herein by reference.
The Corporation's Securities Exchange Act file number is 000-13888.
 
50

 
  Exhibit  
 
10.4
Change of Control Agreement dated August 23, 2007 between Chemung Canal Trust Company and Melinda A. Sartori, Executive Vice President.  (Filed as Exhibit 10.9 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
10.5
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Richard G. Carr, Executive Vice President.  (Filed as Exhibit 10.11 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.6
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Louis C. DiFabio, Executive Vice President.  (Filed as Exhibit 10.12 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.7
Change of Control Agreement dated April 8, 2011 between Chemung Canal Trust Company and Anders M. Tomson, President Capital Bank Division.  (Filed as Exhibit 10.14 to Registrant’s Form 10-Q filed with the SEC on May 13, 2011 and incorporated herein by reference).
 
10.8
Change of Control Agreement dated November 7, 2011 between Chemung Canal Trust Company and Karen R. Makowski, Executive Vice President and Chief Administration and Risk Officer.  (Filed as Exhibit 10.16 to Registrant’s Form 10-K on March 28, 2012 and incorporated herein by reference).
 
10.9
Change of Control Agreement dated October 16, 2013 between Chemung Canal Trust Company and Karl F. Krebs, Executive Vice President and Chief Financial Officer.  (Filed as Exhibit 10.1 to Registrant’s Form 8-K filed with the SEC on October 17, 2013 and incorporated herein by reference).
 
21
Subsidiaries of the Registrant.*
 
23
Consent of Crowe Horwath LLP, Independent Registered Public Accounting Firm.*
 
31.1
Certification of President Chief Executive Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
31.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
32.1
Certification of President and Chief Executive Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
32.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
101.INS
Instance Document
 
101.SCH
XBRL Taxonomy Schema*
 
101.CAL
XBRL Taxonomy Calculation Linkbase*
 
101.DEF
XBRL Taxonomy Definition Linkbase*
 
101.LAB
XBRL Taxonomy Label Linkbase*
 
101.PRE
XBRL Taxonomy Presentation Linkbase*
 
*
Filed herewith.
51
CHEMUNG FINANCIAL CORPORATION

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
Pages F-1 to F-55
 
Page
Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
F-1
Consolidated Financial Statements
  
  Consolidated Balance Sheets as of December 31, 2014 and 2013
F-2
  Consolidated Statements of Income for the three years ended December 31, 2014
F-3
  Consolidated Statements of Comprehensive Income (Loss) for the three years ended December 31, 2014
F-4
  Consolidated Statements of Shareholders' Equity for the three years  ended December 31, 2014
F-5
  Consolidated Statements of Cash Flows for the three years ended December 31, 2014
F-7
  Notes to Consolidated Financial Statements
F-9













































































52
Report of Independent Registered Public Accounting Firm

Board of Directors and Shareholders
Chemung Financial Corporation
Elmira, New York

We have audited the accompanying consolidated balance sheets of Chemung Financial Corporation as of December 31, 2014 and 2013, and the related consolidated statements of income, comprehensive income (loss), shareholders' equity and cash flows for each of the years in the three-year period ended December 31, 2014. We also have audited Chemung Financial Corporation’s internal control over financial reporting as of December 31, 2014, based on criteria established in the 1992 Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).  Chemung Financial Corporation’s management is responsible for these financial statements, for maintaining effective internal control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management’s Report on Internal Control over Financial Reporting as disclosed in Item 9A.  Our responsibility is to express an opinion on these financial statements and an opinion on Chemung Financial Corporation’s internal control over financial reporting based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement and whether effective internal control over financial reporting was maintained in all material respects. Our audits of the financial statements included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as we considered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.

A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company's internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company's assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Chemung Financial Corporation as of December 31, 2014 and 2013, and the results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2014, in conformity with accounting principles generally accepted in the United States of America.  Also, in our opinion, Chemung Financial Corporation maintained, in all material respects, effective internal control over financial reporting as of December 31, 2014 based on criteria established in the 1992 Internal Control Integrated Framework, issued by the Committee of Sponsoring Organizations of the Treadway Commission.

/s/ Crowe Horwath LLP
Livingston, New Jersey
March 13, 2015













F-1
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

   
YEARS ENDED DECEMBER 31,
  
(amounts in thousands, except share and per share amounts)
  
2014
    
2013
  
ASSETS
        
Cash and due from financial institutions
  
$
28,130
    
$
31,600
  
Interest-bearing deposits in other financial institutions
    
1,033
      
20,009
  
     Total cash and cash equivalents
    
29,163
      
51,609
  
 
                
Trading assets, at fair value
    
549
      
366
  
                 
Securities available for sale, at estimated fair value
    
280,507
      
346,016
  
Securities held to maturity, estimated fair value of $6,197 at
  December 31, 2014 and $6,930 at December 31, 2013
    
5,831
      
6,495
  
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost
    
5,535
      
4,482
  
                 
Loans, net of deferred loan fees
    
1,121,574
      
995,866
  
Allowance for loan losses
    
(13,686
)
    
(12,776
)
Loans, net
    
1,107,888
      
983,090
  
                 
Loans held for sale
    
665
      
695
  
Premises and equipment, net
    
32,287
      
30,039
  
Goodwill
    
21,824
      
21,824
  
Other intangible assets, net
    
5,067
      
6,377
  
Bank owned life insurance
    
2,764
      
2,796
  
Accrued interest and other assets
    
32,459
      
22,354
  
                 
     Total assets
  
$
1,524,539
    
$
1,476,143
  
                 
LIABILITIES AND SHAREHOLDERS' EQUITY
                
Deposits:
                
  Non-interest-bearing
  
$
366,298
    
$
351,222
  
  Interest-bearing
    
913,716
      
915,034
  
     Total deposits
    
1,280,014
      
1,266,256
  
                 
Federal Home Loan Bank overnight advances
    
30,830
      
-
  
Securities sold under agreements to repurchase
    
29,652
      
32,701
  
Federal Home Loan Bank term advances
    
19,310
      
25,243
  
Long term capital lease obligation
    
2,976
      
-
  
Dividends payable
    
1,204
      
1,195
  
Accrued interest payable and other liabilities
    
26,925
      
12,170
  
     Total liabilities
    
1,390,911
      
1,337,565
  
                 
Shareholders' equity:
                
Common stock, $.01 par value per share, 10,000,000 shares authorized;
  5,310,076 issued at December 31, 2014 and December 31, 2013
    
53
      
53
  
Additional-paid-in capital
    
45,355
      
45,399
  
Retained earnings
    
114,383
      
111,031
  
Treasury stock, at cost (680,948 shares at December 31, 2014; 707,674
  shares at December 31, 2013)
    
(17,378
)
    
(18,060
)
Accumulated other comprehensive income (loss)
    
(8,785
)
    
155
  
                 
     Total shareholders' equity
    
133,628
      
138,578
  
                 
     Total liabilities and shareholders' equity
  
$
1,524,539
    
$
1,476,143
  
 
 
See accompanying notes to consolidated financial statements.
  
 
F-2
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME

   
YEARS ENDED DECEMBER 31
  
(amounts in thousands, except per share amounts)
  
2014
    
2013
    
2012
  
Interest and Dividend Income:
            
Loans, including fees
  
$
47,139
    
$
45,136
    
$
45,298
  
Taxable securities
    
5,043
      
4,391
      
5,357
  
Tax exempt securities
    
967
      
1,100
      
1,268
  
Interest-bearing deposits
    
64
      
36
      
153
  
  Total interest and dividend income
    
53,213
      
50,663
      
52,076
  
                         
Interest Expense:
                        
Deposits
    
2,043
      
2,350
      
3,181
  
Borrowed funds
    
754
      
824
      
1,059
  
Securities sold under agreements to repurchase
    
848
      
858
      
994
  
  Total interest expense
    
3,645
      
4,032
      
5,234
  
Net interest income
    
49,568
      
46,631
      
46,842
  
Provision for loan losses
    
3,981
      
2,755
      
828
  
  Net interest income after provision for loan losses
    
45,587
      
43,876
      
46,014
  
                         
Other operating income:
                        
  Wealth management group fee income
    
7,747
      
7,344
      
6,827
  
  Service charges on deposit accounts
    
5,281
      
4,706
      
4,241
  
  Net gains on securities transactions
    
6,869
      
16
      
301
  
  Net impairment loss on investment securities
    
-
      
(29
)
    
-
  
  Net gain on sales of loans held for sale
    
301
      
503
      
484
  
  Casualty gains
    
-
      
-
      
790
  
  Net gains (losses) on sales of other real estate owned
    
(64
)
    
28
      
(45
)
  Gain from bargain purchase
    
-
      
470
      
-
  
  Income from bank owned life insurance
    
78
      
84
      
87
  
  Other
    
6,544
      
4,955
      
4,503
  
    Total other operating income
    
26,756
      
18,077
      
17,188
  
Other operating expenses:
                        
  Salaries and wages
    
21,315
      
19,365
      
18,918
  
  Pension and other employee benefits
    
5,733
      
5,939
      
5,624
  
  Net occupancy expenses
    
7,098
      
5,501
      
5,164
  
  Furniture and equipment expenses
    
2,972
      
2,326
      
2,205
  
  Data processing expense
    
6,393
      
4,750
      
4,421
  
  Professional services
    
1,597
      
928
      
1,443
  
  Legal settlements
    
4,250
      
-
      
-
  
  Amortization of intangible assets
    
1,310
      
921
      
1,047
  
  Marketing and advertising expense
    
1,079
      
1,033
      
1,068
  
  Other real estate owned expenses
    
247
      
194
      
328
  
  FDIC insurance
    
1,116
      
866
      
807
  
  Loan expense
    
811
      
779
      
788
  
  Merger and acquisition related expenses
    
115
      
1,387
      
30
  
  Other
    
6,441
      
5,411
      
4,952
  
    Total other operating expenses
    
60,477
      
49,400
      
46,795
  
Income before income tax expense
    
11,866
      
12,553
      
16,407
  
Income tax expense
    
3,709
      
3,822
      
5,385
  
Net income
  
$
8,157
    
$
8,731
    
$
11,022
  
                         
Weighted average shares outstanding
    
4,683
      
4,660
      
4,641
  
Basic and diluted earnings per share
  
$
1.74
    
$
1.87
    
$
2.38
  
                         
See accompanying notes to consolidated financial statements.
  

F-3
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

   
YEARS ENDED DECEMBER 31
  
(amounts in thousands)
  
2014
    
2013
    
2012
  
             
Net income
  
$
8,157
    
$
8,731
    
$
11,022
  
                         
Other comprehensive income (loss):
                        
Unrealized holding (losses) gains on securities available for sale
    
236
      
(3,229
)
    
411
  
Reclassification adjustment for other-than-temporary losses
  realized in net income
    
-
      
29
      
-
  
Reclassification adjustment gains realized in net income
    
(6,869
)
    
(16
)
    
(301
)
Net unrealized (losses) gains
    
(6,633
)
    
(3,216
)
    
110
  
Tax effect
    
2,550
      
1,236
      
(75
)
Net of tax amount
    
(4,083
)
    
(1,980
)
    
35
  
                         
Change in funded status of defined benefit pension plan and other
  benefit plans:
                        
Net gain (loss) arising during the period
    
(8,481
)
    
6,487
      
(3,624
)
Reclassification adjustment for amortization of prior service costs
    
(90
)
    
(83
)
    
(83
)
Reclassification adjustment for amortization of net actuarial loss
    
681
      
1,624
      
1,431
  
Total before tax effect
    
(7,890
)
    
8,028
      
(2,276
)
Tax effect
    
3,033
      
(3,086
)
    
875
  
Net of tax amount
    
(4,857
)
    
4,942
      
(1,401
)
                         
Total other comprehensive income (loss)
    
(8,940
)
    
2,962
      
(1,366
)
                         
Comprehensive income (loss)
  
$
(783
)
  
$
11,693
    
$
9,656
  
                         
                         
See accompanying notes to consolidated financial statements.
  
































F-4
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
   
Common Stock
    
Additional Paid-in Capital
    
Retained Earnings
    
Treasury Stock
    
Accumulated Other Comprehensive Income (Loss)
    
Total
  
Balances at January 1, 2012
  
$
53
    
$
45,582
    
$
100,629
    
$
(18,894
)
  
$
(1,441
)
  
$
125,929
  
Net income
    
-
      
-
      
11,022
      
-
      
-
      
11,022
  
Other comprehensive loss
    
-
      
-
      
-
      
-
      
(1,366
)
    
(1,366
)
Restricted stock awards
    
-
      
80
      
-
      
-
      
-
      
80
  
Distribution of 3,240 shares of treasury stock for directors’
  deferred compensation plan
    
-
      
(82
)
    
-
      
83
      
-
      
1
  
Distribution of 10,760 shares of treasury stock granted for
  employee restricted stock awards, net
    
-
      
(274
)
    
-
      
274
      
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
87
      
-
      
-
      
-
      
87
  
Cash dividends declared ($1.00 per share)
    
-
      
-
      
(4,573
)
    
-
      
-
      
(4,573
)
Distribution of 10,238 shares of treasury stock for directors'
  compensation
    
-
      
(28
)
    
-
      
261
      
-
      
233
  
Distribution of 3,453 shares of treasury stock for employee
  compensation
    
-
      
(8
)
    
-
      
88
      
-
      
80
  
Sale of 10,100 shares of treasury stock
    
-
      
-
      
-
      
258
      
-
      
258
  
Purchase of 25,468 shares of treasury stock
    
-
      
-
      
-
      
(636
)
    
-
      
(636
)
Balances at December 31, 2012
  
$
53
    
$
45,357
    
$
107,078
    
$
(18,566
)
  
$
(2,807
)
  
$
131,115
  
Net income
    
-
      
-
      
8,731
      
-
      
-
      
8,731
  
Other comprehensive income
    
-
      
-
      
-
      
-
      
2,962
      
2,962
  
Restricted stock awards
    
-
      
131
      
-
      
-
      
-
      
131
  
Distribution of 3,356 shares of treasury stock for directors’
  deferred compensation plan
    
-
      
(75
)
    
-
      
86
      
-
      
11
  
Distribution of 8,087 shares of treasury stock granted for
  employee restricted stock awards, net
    
-
      
(206
)
    
-
      
206
      
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
99
      
-
      
-
      
-
      
99
  
Cash dividends declared ($1.04 per share)
    
-
      
-
      
(4,778
)
    
-
      
-
      
(4,778
)
Distribution of 7,969 shares of treasury stock for directors'
  compensation
    
-
      
14
      
-
      
203
      
-
      
217
  
Distribution of 4,116 shares of treasury stock for employee
  compensation
    
-
      
7
      
-
      
105
      
-
      
112
  
Forfeit 1,797 shares of restricted stock awards
    
-
      
61
      
-
      
(61
)
    
-
      
-
  
Sale of 2,369 shares of treasury stock
    
-
      
11
      
-
      
60
      
-
      
71
  
Purchase of 3,094 shares of treasury stock
    
-
      
-
      
-
      
(93
)
    
-
      
(93
)
Balances at December 31, 2013
  
$
53
    
$
45,399
    
$
111,031
    
$
(18,060
)
  
$
155
    
$
138,578
  






F-5
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

(continued)
  
Common Stock
    
Additional Paid-in Capital
    
Retained Earnings
    
Treasury Stock
    
Accumulated Other Comprehensive Income (Loss)
    
Total
  
Balances at December 31, 2013
  
$
53
    
$
45,399
    
$
111,031
    
$
(18,060
)
  
$
155
    
$
138,578
  
Net income
    
-
      
-
      
8,157
      
-
      
-
      
8,157
  
Other comprehensive loss
    
-
      
-
      
-
      
-
      
(8,940
)
    
(8,940
)
Restricted stock awards
    
-
      
151
      
-
      
-
      
-
      
151
  
Distribution of 3,467 shares of treasury stock granted for directors’
  deferred compensation plan
    
-
      
(85
)
    
-
      
88
      
-
      
3
  
Distribution of 11,279 shares of treasury stock granted for
  employee restricted stock awards, net
    
-
      
(288
)
    
-
      
288
      
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
94
      
-
      
-
      
-
      
94
  
Cash dividends declared ($1.04 per share)
    
-
      
-
      
(4,805
)
    
-
              
(4,805
)
Distribution of 8,385 shares of treasury stock for directors'
  compensation
    
-
      
59
      
-
      
214
      
-
      
273
  
Distribution of 3,595 shares of treasury stock for employee
  compensation
    
-
      
25
      
-
      
92
      
-
      
117
  
Balances at December 31, 2014
  
$
53
    
$
45,355
    
$
114,383
    
$
(17,378
)
  
$
(8,785
)
  
$
133,628
  
 
See accompanying notes to consolidated financial statements.
  






















F-6
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

(amounts in thousands)
  
Years Ended December 31,
  
CASH FLOWS FROM OPERATING ACTIVITIES:
  
2014
    
2013
 
2012
  
Net income
  
$
8,157
    
$
8,731
  
$
11,022
  
Adjustments to reconcile net income to net cash provided by operating activities:
                      
Amortization of intangible assets
    
1,310
      
921
    
1,047
  
Deferred income tax (benefit) expense
    
(2,263
)
    
(121
)
    
647
  
Provision for loan losses
    
3,981
      
2,755
      
828
  
Loss on disposal of fixed assets
    
14
      
-
      
-
  
Depreciation and amortization of fixed assets
    
3,861
      
3,236
      
2,946
  
Amortization of premiums on securities, net
    
2,398
      
2,280
      
1,827
  
Gains on sales of loans held for sale, net
    
(301
)
    
(503
)
    
(484
)
Proceeds from sales of loans held for sale
    
14,062
      
20,076
      
15,684
  
Loans originated and held for sale
    
(13,731
)
    
(19,210
)
    
(15,862
)
Gain on bargain purchase
    
-
      
(470
)
    
-
  
Net (gains) losses on sale of other real estate owned
    
64
      
(28
)
    
45
  
Net gains on trading assets
    
(50
)
    
(43
)
    
(27
)
Net gains on securities transactions
    
(6,869
)
    
(16
)
    
(301
)
Net impairment loss recognized on investment securities
    
-
      
29
      
-
  
Proceeds from sales of trading assets
    
7
      
112
      
96
  
Purchase of trading assets
    
(140
)
    
(87
)
    
(123
)
(Increase) decrease in other assets
    
(7,438
)
    
(6,213
)
    
6,084
  
Decrease in prepaid FDIC Assessment
    
-
      
1,970
      
733
  
Decrease in accrued interest payable
    
(99
)
    
(108
)
    
(348
)
Expense related to restricted stock units for directors' deferred compensation plan
    
94
      
99
      
87
  
Expense related to employee stock compensation
    
117
      
112
      
80
  
Expense related to employee restricted stock awards
    
151
      
131
      
80
  
Increase in other liabilities
    
15,086
      
9,403
      
588
  
Proceeds from bank owned life insurance
    
110
      
-
      
-
  
Income from bank owned life insurance
    
(78
)
    
(84
)
    
(87
)
     Net cash provided by operating activities
    
18,443
      
22,972
      
24,562
  
 
CASH FLOWS FROM INVESTING ACTIVITIES:
                        
Proceeds from sales and calls of securities available for sale
    
62,738
      
18,150
      
90,870
  
Proceeds from maturities and principal collected on securities available for sale
    
24,222
      
44,046
      
29,342
  
Proceeds from maturities and principal collected on securities held to maturity
    
3,201
      
5,703
      
4,296
  
Purchases of securities available for sale
    
(23,613
)
    
(174,034
)
    
(80,444
)
Purchases of securities held to maturity
    
(2,537
)
    
(6,449
)
    
(1,733
)
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock
    
(3,907
)
    
(16,124
)
    
(26
)
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock
    
2,854
      
16,353
      
825
  
Purchases of premises and equipment
    
(2,586
)
    
(3,711
)
    
(3,668
)
Cash received acquisition of Bank of America branches
    
-
      
173,673
      
-
  
Cash paid Bank of America branches
    
-
      
(2,768
)
    
-
  
Proceeds from sale of other real estate owned
    
342
      
155
      
796
  
Net increase in loans
    
(131,852
)
    
(101,481
)
    
(97,115
)
     Net cash used by investing activities
    
(71,138
)
    
(46,487
)
    
(56,857
)
 
CASH FLOWS FROM FINANCING ACTIVITIES:
                        
Net increase in demand deposits, interest-bearing demand accounts,
  savings accounts, and insured money market accounts
    
46,407
      
67,566
      
86,541
  
Net decrease in time deposits
    
(32,649
)
    
(27,085
)
    
(40,300
)
Net decrease in securities sold under agreements to repurchase
    
(3,049
)
    
(9
)
    
(4,396
)
Proceeds from FHLB overnight advances, net
    
30,830
      
-
      
-
  
Repayments of Federal Home Loan Bank long term advances
    
(5,933
)
    
(1,983
)
    
(16,119
)
Payments made on capital lease
    
(561
)
    
-
      
-
  
Purchase of treasury stock
    
-
      
(93
)
    
(636
)
Sale of treasury stock
    
-
      
71
      
258
  
Cash dividends paid
    
(4,796
)
    
(3,584
)
    
(5,714
)
     Net cash provided by financing activities
    
30,249
      
34,883
      
19,634
  
Net (decrease) increase in cash and cash equivalents
    
(22,446
)
    
11,368
      
(12,661
)
Cash and cash equivalents, beginning of period
    
51,609
      
40,241
      
52,902
  
Cash and cash equivalents, end of period
  
$
29,163
    
$
51,609
    
$
40,241
  

(continued)

F-7


CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

 
  
Years Ended December 31,
  
(continued)
  
2014
    
2013
    
2012
  
Cash paid during the year for:
          
 
  Interest
  
$
3,744
    
$
4,163
    
$
5,643
  
  Income Taxes
  
$
3,346
    
$
5,304
    
$
1,732
  
                         
Supplemental disclosure of non-cash activity:
                        
  Transfer of loans to other real estate owned
  
$
3,074
    
$
103
    
$
618
  
  Dividends declared, not yet paid
  
$
1,204
    
$
1,195
    
$
-
  
  Assets acquired through long term capital lease obligation
  
$
3,537
    
$
-
    
$
-
  
                         
See accompanying notes to consolidated financial statements.
  



















































F-8
CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
DECEMBER 31, 2014, 2013 and 2012

(1)            SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.

Bank:  Chemung Canal Trust Company
FRBNY:  Federal Reserve Bank of New York
CDO: Collateralized Debt Obligation
Freddie Mac:  Federal Home Loan Mortgage Corporation
Corporation: Chemung Financial Corporation
GAAP:  U.S. generally accepted accounting principles
FASB:  Financial Accounting Standards Board
OTTI:  Other-than-temporary impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased credit impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
FRB:  Board of Governors of the Federal Reserve System
TDRs:  Troubled debt restructurings

ORGANIZATION

The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.

BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.

SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.




F-9

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.

FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.

BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.

LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.

LOANS

Loans are stated at the amount of unpaid principal balance net of deferred loan fees.  Additionally, recorded investment in loans includes interest receivable on loans.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.

Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non-accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.

ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.



F-10

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.

TROUBLED DEBT RESTRUCTURINGS

A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.

ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.

A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.




F-11

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.

OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.

INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.

WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.956 billion at December 31, 2014 and $1.888 billion at December 31, 2013.

POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.




F-12

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.

Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.


F-13
STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.  The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.  All directors’ fees are charged to other operating expense in the consolidated statements of income.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed 20,000 per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31st of the calendar year.  The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.

Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.  To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.  The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.


F-14

Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.  The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.  The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.

GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2014.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2.4 million, $21 thousand, $8 thousand, $1.1 million and $1.6 million, respectively, at December 31, 2014.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, and Canton Bancorp, Inc. acquisitions are being amortized to expense using a 7.25 year accelerated method.  The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.

ADVERTISING COSTS

Costs for advertising products and services or for promoting our corporate image are expensed as incurred.

EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.

COMPREHENSIVE INCOME (LOSS)

Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.





F-15

CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.

TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.

OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.

SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.

RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform to the current year's presentation.

SUBSEQUENT EVENTS

The Corporation has evaluated subsequent events for recognition and disclosure through March, 13, 2015, which is the date the financial statements were available to be issued.



























F-16

(2)            RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS

The Corporation was in compliance with the reserve requirement with the Federal Reserve Bank of New York as of December 31, 2014.

The Corporation also maintains a pre-funded settlement account with a financial institution in the amount of $1.4 million for electronic funds transaction settlement purposes at December 31, 2014.


(3)            SECURITIES

Amortized cost and estimated fair value of securities available for sale at December 31, 2014 and 2013 are as follows (amounts in thousands):

   
2014
    
2013
  
   
Amortized Cost
    
Estimated Fair Value
    
Amortized Cost
    
Estimated Fair Value
  
Obligations of U.S. Government and U.S. Government sponsored enterprises
  
$
180,535
    
$
181,673
    
$
187,098
    
$
188,106
  
Mortgage-backed securities, residential
    
60,787
      
61,660
      
104,069
      
104,356
  
Collateralized mortgage obligations
    
335
      
338
      
1,001
      
1,015
  
Obligations of states and political subdivisions
    
30,677
      
31,451
      
37,339
      
38,376
  
Corporate bonds and notes
    
1,502
      
1,533
      
2,879
      
2,946
  
SBA loan pools
    
1,296
      
1,304
      
1,471
      
1,488
  
Trust preferred securities
    
1,906
      
2,028
      
1,898
      
2,034
  
Corporate stocks
    
285
      
520
      
444
      
7,695
  
     Total
  
$
277,323
    
$
280,507
    
$
336,199
    
$
346,016
  

Gross unrealized gains and losses on securities available for sale at December 31, 2014 and 2013, were as follows (amounts in thousands):

   
2014
    
2013
  
   
Unrealized
    
Unrealized
    
Unrealized
    
Unrealized
  
   
Gains
    
Losses
    
Gains
    
Losses
  
Obligations of U.S. Government and U.S. Government sponsored enterprises
  
$
1,300
    
$
162
    
$
1,914
    
$
906
  
Mortgage-backed securities, residential
    
892
      
19
      
1,037
      
750
  
Collateralized mortgage obligations
    
3
      
-
      
14
      
-
  
Obligations of states and political subdivisions
    
802
      
28
      
1,059
      
22
  
Corporate bonds and notes
    
35
      
4
      
76
      
9
  
SBA loan pools
    
11
      
3
      
17
      
-
  
Trust preferred securities
    
122
      
-
      
136
      
-
  
Corporate stocks
    
235
      
-
      
7,253
      
2
  
     Total
  
$
3,400
    
$
216
    
$
11,506
    
$
1,689
  
















F-17

The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately (amounts in thousands):

   
December 31, 2014
  
   
Amortized
    
Fair
  
   
Cost
    
Value
  
Within one year
  
$
37,087
    
$
37,552
  
After one, but within five years
    
172,100
      
173,534
  
After five, but within ten years
    
5,433
      
5,599
  
After ten years
    
-
      
-
  
Mortgage-backed securities, residential
    
60,787
      
61,660
  
Collateralized mortgage obligations
    
335
      
338
  
SBA loan pools
    
1,296
      
1,304
  
     Total
  
$
277,038
    
$
279,987
  

Actual maturities may differ from contractual maturities above because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

The proceeds from sales and calls of securities resulting in gains or losses are listed below (amounts in thousands):

   
2014
    
2013
    
2012
  
Proceeds
  
$
36,258
    
$
2,650
    
$
26,210
  
Gross gains
  
$
6,869
    
$
16
    
$
301
  
Tax expense
  
$
2,641
    
$
6
    
$
116
  


Amortized cost and estimated fair value of securities held to maturity at December 31, 2014 and 2013 are as follows (amounts in thousands):

 
2014
  
2013
  
 
Amortized Cost
  
Estimated Fair Value
  
Amortized Cost
  
Estimated Fair Value
  
Obligations of states and political subdivisions
  
$
5,175
    
$
5,535
    
$
5,472
    
$
5,891
  
Time deposits with other financial institutions
    
656
      
662
      
1,023
      
1,039
  
   
$
5,831
    
$
6,197
    
$
6,495
    
$
6,930
  

Gross unrealized gains and losses on securities held to maturity at December 31, 2014 and 2013, were as follows (amounts in thousands):

 
2014
  
2013
  
 
Unrealized
  
Unrealized
  
Unrealized
  
Unrealized
  
 
Gains
  
Losses
  
Gains
  
Losses
  
Obligations of states and political subdivisions
  
$
360
    
$
-
    
$
419
    
$
-
  
Time deposits with other financial institutions
    
6
      
-
      
16
      
-
  
     Total
  
$
366
    
$
-
    
$
435
    
$
-
  

There were no sales of securities held to maturity in 2014 or 2013.











F-18


The contractual maturity of securities held to maturity is as follows at December 31, 2014 (amounts in thousands):

 
December 31, 2014
  
 
Amortized
  
Fair
  
 
Cost
  
Value
  
Within one year
  
$
2,629
    
$
2,658
  
After one, but within five years
    
2,199
      
2,390
  
After five, but within ten years
    
1,003
      
1,149
  
After ten years
    
-
      
-
  
     Total
  
$
5,831
    
$
6,197
  

The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2014 and December 31, 2013 by aggregated major security type and length of time in a continuous unrealized position (amounts in thousands):

 
  
Less than 12 months
    
12 months or longer
    
Total
  
   
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
  
2014
Obligations of U.S. Government and U.S. Government sponsored
  enterprises
  
$
57,512
    
$
108
    
$
4,945
    
$
54
    
$
62,457
    
$
162
  
Mortgage-backed securities, residential
    
11,051
      
19
      
-
      
-
      
11,051
      
19
  
Obligations of states and political subdivisions
    
4,625
      
22
      
1,056
      
6
      
5,681
      
28
  
Corporate bonds and notes
    
-
      
-
      
243
      
4
      
243
      
4
  
SBA loan pools
    
276
      
1
      
316
      
2
      
592
      
3
  
     Total temporarily impaired securities
  
$
73,464
    
$
150
    
$
6,560
    
$
66
    
$
80,024
    
$
216
  


 
  
Less than 12 months
    
12 months or longer
    
Total
  
   
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
  
2013
Obligations of U.S. Government and U.S. Government sponsored
  enterprises
  
$
83,840
    
$
867
    
$
1,978
    
$
39
    
$
85,818
    
$
906
  
Mortgage-backed securities, residential
    
63,115
      
750
      
-
      
-
      
63,115
      
750
  
Obligations of states and political subdivisions
    
4,589
      
22
      
-
      
-
      
4,589
      
22
  
Corporate bonds and notes
    
238
      
9
      
-
      
-
      
238
      
9
  
Corporate stocks
    
-
      
-
      
2
      
2
      
2
      
2
  
     Total temporarily impaired securities
  
$
151,782
    
$
1,648
    
$
1,980
    
$
41
    
$
153,762
    
$
1,689
  








F-19

Other-Than-Temporary-Impairment

As of December 31, 2014, the majority of the Corporation’s unrealized losses in the investment securities portfolio related to obligations of U.S. Government and U.S. Government sponsored enterprises and mortgage-backed securities.  Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $600 thousand.  Total proceeds from the sale of this CDO, was $600 thousand resulting in a slight loss.  The Corporation recognized $29 thousand of additional credit loss in OTTI during 2013.  This CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” regarding the ability of banks to hold these types of securities and based on current market conditions.

The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2014, 2013 and 2012 (amounts in thousands):

   
2014
    
2013
    
2012
  
Beginning balance, January 1,
  
$
1,939
    
$
3,506
    
$
3,506
  
Amounts related to credit loss for which other-than-temporary impairment
  was not previously recognized
    
-
      
-
      
-
  
Additions/Subtractions:
                        
  Amounts related to securities for which the company intends to sell or that it will
     be more likely than not that the company will be required to sell prior to recovery
     of amortized cost basis
    
-
      
-
      
-
  
  Reductions for increase in cash flows expected to be collected that are recognized
     over the remaining life of the security
    
-
      
-
      
-
  
  Reductions for previous credit losses realized on securities sold during the year
    
-
      
(1,596
)
    
-
  
  Reductions for previous credit losses realized on securities liquidated during the year
    
(1,939
)
    
-
      
-
  
  Increases to the amount related to the credit loss for which other-than-temporary
     impairment was previously recognized
    
-
      
29
      
-
  
Ending balance, December 31,
  
$
-
    
$
1,939
    
$
3,506
  

During the first quarter of 2014, the Corporation received notice that one CDO consisting of a pool of trust preferred securities was liquidated and recorded $500 thousand in other operating income during the first quarter of 2014 to reflect proceeds received from the liquidation.  The Corporation does not own any other CDO’s in its investment securities portfolio.

The fair value of securities pledged to secure public funds on deposit or for other purposes as required by law was $190.7 million at December 31, 2014 and $188.9 million at December 31, 2013.

The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2014 and 2013. (amounts in thousands)

 
  
2014
    
2013
  
   
Amortized Cost
    
Fair Value
    
Amortized Cost
    
Fair Value
  
Obligations of U.S. Government and U. S.
  Government sponsored enterprises
  
$
36,195
    
$
36,641
    
$
33,746
    
$
34,369
  
Mortgage-backed securities, residential
    
7,934
      
8,350
      
11,802
      
12,365
  
Collateralized mortgage obligations
    
48
      
48
      
205
      
207
  
     Total
  
$
44,177
    
$
45,039
    
$
45,753
    
$
46,941
  

There are no securities of a single issuer (other than securities of U.S. Government sponsored enterprises) that exceed 10% of shareholders' equity at December 31, 2014 or 2013.




F-20


The Corporation has an equity investment in Cephas Capital Partners, L.P.  This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. As of December 31, 2014 and 2013, these investments totaled $0.7 million and $1.0 million, respectively, are included in other assets, and are accounted for under the equity method of accounting.

(4)            LOANS AND ALLOWANCE FOR LOAN LOSSES

The composition of the loan portfolio, net of deferred loan fees is summarized as follows (amounts in thousands):

   
December 31, 2014
    
December 31, 2013
  
Commercial and agricultural:
        
  Commercial and industrial
  
$
165,385
    
$
144,787
  
  Agricultural
    
1,021
      
576
  
Commercial mortgages:
                
  Construction
    
54,831
      
27,440
  
  Commercial mortgages
    
397,762
      
345,707
  
Residential mortgages
    
196,809
      
195,997
  
Consumer loans:
                
  Credit cards
    
1,654
      
1,756
  
  Home equity lines and loans
    
99,354
      
95,905
  
  Indirect consumer loans
    
184,763
      
164,846
  
  Direct consumer loans
    
19,995
      
18,852
  
      Total loans, net of deferred loan fees
  
$
1,121,574
    
$
995,866
  
Interest receivable on loans
    
2,780
      
2,597
  
      Total recorded investment in loans
  
$
1,124,354
    
$
998,463
  

Residential mortgages held for sale as of December 31, 2014 and 2013 totaling $0.7 million and $0.7 million, respectively, are not included in the above table.

Residential mortgages totaling $152.7 million at December 31, 2014 and $145.1 million at December 31, 2013 were pledged under a blanket collateral agreement for the Corporation's line of credit with the FHLBNY.

The Corporation's concentrations of credit risk by loan type are reflected in the preceding table.  The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above.

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2014, 2013 and 2012, respectively (amounts in thousands):


   
December 31, 2014
  
Allowance for loan losses
  
Commercial, and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
1,979
    
$
6,243
    
$
1,517
    
$
3,037
    
$
-
    
$
12,776
  
  Charge Offs:
    
(444
)
    
(2,229
)
    
(97
)
    
(1,508
)
    
-
      
(4,278
)
  Recoveries:
    
385
      
156
      
32
      
634
      
-
      
1,207
  
   Net (charge offs) recoveries
    
(59
)
    
(2,073
)
    
(65
)
    
(874
)
    
-
      
(3,071
)
  Provision
    
(460
)
    
2,156
      
120
      
2,165
      
-
      
3,981
  
Ending balance
  
$
1,460
    
$
6,326
    
$
1,572
    
$
4,328
    
$
-
    
$
13,686
  







F-21


   
December 31, 2013
  
Allowance for loan losses
  
Commercial, and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
1,708
    
$
4,428
    
$
1,565
    
$
2,706
    
$
26
    
$
10,433
  
  Charge Offs:
    
(186
)
    
(44
)
    
(124
)
    
(1,139
)
    
-
      
(1,493
)
  Recoveries:
    
537
      
98
      
65
      
381
      
-
      
1,081
  
     Net recoveries (charge offs)
    
351
      
54
      
(59
)
    
(758
)
    
-
      
(412
)
  Provision
    
(80
)
    
1,761
      
11
      
1,089
      
(26
)
    
2,755
  
Ending balance
  
$
1,979
    
$
6,243
    
$
1,517
    
$
3,037
    
$
-
    
$
12,776
  

   
December 31, 2012
  
Allowance for loan losses
  
Commercial, and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
3,143
    
$
2,570
    
$
1,310
    
$
2,193
    
$
443
    
$
9,659
  
Reclassification of acquired
  loan discount
    
74
      
50
      
-
      
-
      
-
      
124
  
  Charge Offs:
    
(181
)
    
(335
)
    
(83
)
    
(674
)
    
-
      
(1,273
)
  Recoveries:
    
802
      
55
      
-
      
238
      
-
      
1,095
  
     Net recoveries (charge offs)
    
621
      
(280
)
    
(83
)
    
(436
)
    
-
      
(178
)
  Provision
    
(2,130
)
    
2,088
      
338
      
949
      
(417
)
    
828
  
Ending balance
  
$
1,708
    
$
4,428
    
$
1,565
    
$
2,706
    
$
26
    
$
10,433
  

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
  
Allowance for loan losses
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
  
Ending allowance balance attributable to loans:
    
 
 
 
Individually evaluated for impairment
  
$
89
    
$
1,145
    
$
-
    
$
1
    
$
1,235
  
Collectively evaluated for impairment
    
1,335
      
5,145
      
1,550
      
4,327
      
12,357
  
Loans acquired with deteriorated credit quality
    
36
      
36
      
22
      
-
      
94
  
Total ending allowance balance
  
$
1,460
    
$
6,326
    
$
1,572
    
$
4,328
    
$
13,686
  


 
December 31, 2013
  
Allowance for loan losses
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
  
Ending allowance balance attributable to loans:
  
 
 
 
 
Individually evaluated for impairment
  
$
576
    
$
466
    
$
-
    
$
4
    
$
1,046
  
Collectively evaluated for impairment
    
1,403
      
4,407
      
1,497
      
3,033
      
10,340
  
Loans acquired with deteriorated credit quality
    
-
      
1,370
      
20
      
-
      
1,390
  
Total ending allowance balance
  
$
1,979
    
$
6,243
    
$
1,517
    
$
3,037
    
$
12,776
  





F-22

   
December 31, 2014
  
Loans:
  
Commercial
and
Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Total
  
Loans individually evaluated for impairment
  
$
1,452
    
$
13,712
    
$
254
    
$
486
    
$
15,904
  
Loans collectively evaluated for  impairment
    
164,748
      
438,246
      
196,783
      
306,042
      
1,105,819
  
Loans acquired with deteriorated credit quality
    
620
      
1,761
      
250
      
-
      
2,631
  
Total ending loans balance
  
$
166,820
    
$
453,719
    
$
197,287
    
$
306,528
    
$
1,124,354
  



   
December 31, 2013
  
Loans:
  
Commercial
and
Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Total
  
Loans individually evaluated for impairment
  
$
2,946
    
$
10,703
    
$
117
    
$
131
    
$
13,897
  
Loans collectively evaluated for  impairment
    
142,108
      
354,636
      
196,147
      
281,979
      
974,870
  
Loans acquired with deteriorated credit quality
    
678
      
8,757
      
261
      
-
      
9,696
  
Total ending loans balance
  
$
145,732
    
$
374,096
    
$
196,525
    
$
282,110
    
$
998,463
  






































F-23
The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2014 and December 31, 2013, the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

   
December 31, 2014
    
December 31, 2013
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Allowance for Loan Losses Allocated
    
Unpaid Principal Balance
    
Recorded Investment
    
Allowance for Loan Losses Allocated
  
With no related allowance recorded:
                        
Commercial and agricultural:
                        
  Commercial and industrial
  
$
1,359
    
$
1,364
    
$
-
    
$
1,906
    
$
1,909
    
$
-
  
Commercial mortgages:
                                                
  Construction
    
1,927
      
1,910
      
-
      
2,329
      
2,319
      
-
  
  Commercial mortgages
    
7,803
      
7,708
      
-
      
7,406
      
7,439
      
-
  
Residential mortgages
    
253
      
253
      
-
      
117
      
117
      
-
  
Consumer loans:
                                                
  Home equity lines and loans
    
429
      
432
      
-
      
71
      
73
      
-
  
With an allowance recorded:
                                                
Commercial and agricultural:
                                                
  Commercial and industrial
    
89
      
89
      
89
      
1,037
      
1,037
          
Commercial mortgages:
                                            
576
  
  Commercial mortgages
    
4,210
      
4,094
      
1,145
      
951
      
945
          
Consumer loans:
                                            
466
  
  Home equity lines and loans
    
54
      
54
      
1
      
58
      
58
      
4
  
  Total
  
$
16,124
    
$
15,904
    
$
1,235
    
$
13,875
    
$
13,897
    
$
1,046
  

   
December 31, 2014
    
December 31, 2013
    
December 31, 2012
  
   
Average Recorded Investment
    
Interest Income Recognized (1)
    
Average Recorded Investment
    
Interest Income Recognized (1)
    
Average Recorded Investment
    
Interest Income Recognized (1)
  
With no related allowance recorded:
                        
Commercial and agricultural:
                        
  Commercial and industrial
  
$
1,463
    
$
40
    
$
1,605
    
$
71
    
$
481
    
$
1
  
Commercial mortgages:
                                                
  Construction
    
2,104
      
102
      
3,364
      
95
      
73
      
1
  
  Commercial mortgages
    
7,492
      
259
      
5,991
      
249
      
1,990
      
10
  
Residential mortgages
    
141
      
1
      
125
      
-
      
106
      
-
  
Consumer loans:
                                                
  Home equity lines & loans
    
143
      
6
      
47
      
2
      
30
      
-
  
With an allowance recorded:
                                                
Commercial and agricultural:
                                                
  Commercial and industrial
    
502
      
-
      
719
      
-
      
1,831
      
-
  
Commercial mortgages:
                                                
  Construction
    
-
      
-
      
-
      
-
      
4
      
-
  
  Commercial mortgages
    
1,611
      
41
      
867
      
-
      
872
      
-
  
Residential mortgages
    
-
      
-
      
-
      
-
      
64
      
-
  
Consumer loans:
                                                
  Home equity lines and loans
    
56
      
4
      
47
      
3
      
-
      
-
  
  Direct consumer loans
    
-
      
-
      
3
      
-
      
-
      
-
  
  Total
  
$
13,512
    
$
453
    
$
12,768
    
$
421
    
$
5,451
    
$
12
  
(1)  Cash basis interest income approximates interest income recognized.


F-24

The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2014 and December 31, 2013 (amounts in thousands):
 
December 31, 2014
   
Current
    
30-89 Days Past Due
    
90 Days or more Past Due and accruing
    
Loans acquired with deteriorated credit quality
    
Non-Accrual (1)
    
Total
  
Commercial and agricultural:
                        
  Commercial and industrial
  
$
164,109
    
$
756
    
$
-
    
$
620
    
$
312
    
$
165,797
  
  Agricultural
    
1,023
      
-
      
-
      
-
      
-
      
1,023
  
Commercial mortgages:
                                                
  Construction
    
53,371
      
-
      
1,446
      
-
      
150
      
54,967
  
  Commercial mortgages
    
391,096
      
3,064
      
-
      
1,761
      
2,831
      
398,752
  
Residential mortgages
    
191,089
      
2,333
      
-
      
250
      
3,615
      
197,287
  
Consumer loans:
                                                
  Credit cards
    
1,641
      
5
      
8
      
-
      
-
      
1,654
  
  Home equity lines and loans
    
98,340
      
736
      
-
      
-
      
515
      
99,591
  
  Indirect consumer loans
    
183,103
      
1,789
      
-
      
-
      
325
      
185,217
  
  Direct consumer loans
    
19,988
      
48
      
-
      
-
      
30
      
20,066
  
  Total
  
$
1,103,760
    
$
8,731
    
$
1,454
    
$
2,631
    
$
7,778
    
$
1,124,354
  
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.

December 31, 2013
   
Current
    
30-89 Days Past Due
    
90 Days or more Past Due and accruing
    
Loans acquired with deteriorated credit quality
    
Non-Accrual (1)
    
Total
  
Commercial and agricultural:
                        
  Commercial and industrial
  
$
143,100
    
$
29
    
$
-
    
$
678
    
$
1,348
    
$
145,155
  
  Agricultural
    
577
      
-
      
-
      
-
      
-
      
577
  
Commercial mortgages:
                                                
  Construction
    
24,742
      
-
      
1,454
      
774
      
540
      
27,510
  
  Commercial mortgages
    
335,123
      
1,138
      
-
      
7,983
      
2,342
      
346,586
  
Residential mortgages
    
187,448
      
5,458
      
-
      
261
      
3,358
      
196,525
  
Consumer loans:
                                                
  Credit cards
    
1,729
      
9
      
19
      
-
      
-
      
1,757
  
  Home equity lines and loans
    
95,349
      
150
      
-
      
-
      
635
      
96,134
  
  Indirect consumer loans
    
163,810
      
1,235
      
-
      
-
      
249
      
165,294
  
 Direct consumer loans
    
18,830
      
50
      
-
      
-
      
45
      
18,925
  
  Total
  
$
970,708
    
$
8,069
    
$
1,473
    
$
9,696
    
$
8,517
    
$
998,463
  
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.






F-25
Troubled Debt Restructurings:

A modification of a loan may result in classification as a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession.  The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan.

As of December 31, 2014, 2013 and 2012, the Corporation has a recorded investment in troubled debt restructurings of $9.7 million, $7.9 million, and $5.7 million, respectively.  There were specific reserves of $0.3 million allocated for troubled debt restructurings at December 31, 2014 and December 31, 2013, respectively, and no specific reserves allocated at December 31, 2012.  As of December 31, 2014, troubled debt restructurings totaling $8.7 were accruing interest under the modified terms and $1.0 million were on non-accrual status.  As of December 31, 2013, troubled debt restructurings totaling $6.8 million were accruing interest under the modified terms and $1.1 million were on non-accrual status.  As of December 31, 2012, troubled debt restructurings totaling $5.4 million were accruing interest under the modified terms and $0.4 million were on non-accrual status.  The Corporation has committed additional amounts totaling up to less than $0.1 million and $0.2 million as of December 31, 2014 and December 31, 2013, respectively, to customers with outstanding loans that are classified as troubled debt restructurings.  The Corporation did not commit to lend any additional amounts to customers with outstanding loans that were classified as troubled debt restructurings as of December 31, 2012.

During the years ended December 31, 2014, 2013 and 2012, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk or a permanent reduction of the recorded investment in the loan.

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

December 31, 2014
  
Number of Loans
    
Pre-Modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
  
Troubled debt restructurings:
            
Commercial and agricultural:
            
    Commercial and industrial
    
4
    
$
1,028
    
$
1,028
  
Commercial mortgages:
                        
    Commercial mortgages
    
4
      
2,666
      
2,623
  
Residential mortgages
    
1
      
149
      
150
  
Consumer loans:
                        
   Home equity lines and loans
    
1
      
366
      
366
  
Total
    
10
    
$
4,209
    
$
4,167
  

December 31, 2013
  
Number of Loans
    
Pre-Modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
  
Troubled debt restructurings:
            
Commercial and agricultural:
            
    Commercial and industrial
    
5
    
$
1,343
    
$
1,343
  
Commercial mortgages:
                        
    Construction
    
1
      
326
      
326
  
    Commercial mortgages
    
1
      
133
      
133
  
Consumer loans:
                        
    Home equity lines and loans
    
3
      
134
      
134
  
Total
    
10
    
$
1,936
    
$
1,936
  






F-26

December 31, 2012
  
Number of Loans
    
Pre-Modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
  
Troubled debt restructurings:
            
Commercial and agricultural:
            
    Commercial and industrial
    
4
    
$
1,307
    
$
1,307
  
Commercial mortgages:
                        
    Construction
    
1
      
251
      
251
  
    Commercial mortgages
    
3
      
3,872
      
3,872
  
Total
    
8
    
$
5,430
    
$
5,430
  

The troubled debt restructurings described above increased the allowance for loan losses by $0.2 million and resulted in less than $0.1 million in charge offs during the twelve months ended December 31, 2014.  The troubled debt restructurings described above increased the allowance for loan losses by $0.1 million and resulted in no charge offs during the year ended December 31, 2013.  The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in no charge offs during the year ended December 31, 2012.

There were no payment defaults on any loans previously modified as troubled debt restructurings during the years ended December 31, 2014, December 31, 2013 or December 31, 2012, within twelve months following the modification.  A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans.  The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry.  Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually.

For the retail loans, which include residential mortgages, indirect and direct consumer loans, home equity lines and loans, and credit cards, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly.  The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position as some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.













F-27

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.  Loans listed as not rated are included in groups of homogeneous loans.  Based on the analyses performed as of December 31, 2014 and December 31, 2013, the risk category of the recorded investment of loans by class of loans is as follows (amounts in thousands):

   
December 31, 2014
  
   
Not Rated
    
Pass
    
Loans
acquired with deteriorated credit quality
    
Special Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial and agricultural:
                            
  Commercial and industrial
  
$
-
    
$
158,140
    
$
620
    
$
3,695
    
$
3,306
    
$
36
    
$
165,797
  
  Agricultural
    
-
      
1,023
      
-
      
-
      
-
      
-
      
1,023
  
Commercial mortgages:
                                                        
  Construction
    
-
      
51,525
      
-
      
3,292
      
150
      
-
      
54,967
  
  Commercial mortgages
    
-
      
365,448
      
1,761
      
20,871
      
10,266
      
406
      
398,752
  
Residential mortgages
    
193,422
      
-
      
250
      
-
      
3,615
      
-
      
197,287
  
Consumer loans
                                                        
  Credit cards
    
1,654
      
-
      
-
      
-
      
-
      
-
      
1,654
  
  Home equity lines and loans
    
99,076
      
-
      
-
      
-
      
515
      
-
      
99,591
  
  Indirect consumer loans
    
184,940
      
-
      
-
      
-
      
277
      
-
      
185,217
  
  Direct consumer loans
    
20,045
      
-
      
-
      
-
      
21
      
-
      
20,066
  
Total
  
$
499,137
    
$
576,136
    
$
2,631
    
$
27,858
    
$
18,150
    
$
442
    
$
1,124,354
  


   
December 31, 2013
  
   
Not Rated
    
Pass
    
Loans
acquired with deteriorated credit quality
    
Special Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial and agricultural:
                            
  Commercial and industrial
  
$
-
    
$
133,615
    
$
678
    
$
5,117
    
$
4,724
    
$
1,021
    
$
145,155
  
  Agricultural
    
-
      
577
      
-
      
-
      
-
      
-
      
577
  
Commercial mortgages:
                                                        
  Construction
    
-
      
23,087
      
774
      
2,783
      
866
      
-
      
27,510
  
  Commercial mortgages
    
-
      
313,956
      
7,983
      
13,611
      
11,036
      
-
      
346,586
  
Residential mortgages
    
192,995
      
-
      
261
      
-
      
3,269
      
-
      
196,525
  
Consumer loans
                                                        
  Credit cards
    
1,757
      
-
      
-
      
-
      
-
      
-
      
1,757
  
  Home equity lines and loans
    
95,422
      
-
      
-
      
-
      
712
      
-
      
96,134
  
  Indirect consumer loans
    
165,045
      
-
      
-
      
-
      
249
      
-
      
165,294
  
  Direct consumer loans
    
18,880
      
-
      
-
      
-
      
45
      
-
      
18,925
  
Total
  
$
474,099
    
$
471,235
    
$
9,696
    
$
21,511
    
$
20,901
    
$
1,021
    
$
998,463
  
















F-28

The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity.  The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
  
 
 
Consumer Loans
  
 
Residential Mortgages
  
Credit Card
  
Home Equity Lines and Loans
  
Indirect Consumer Loans
  
Other Direct Consumer Loans
  
Performing
  
$
193,672
    
$
1,654
    
$
99,076
    
$
184,892
    
$
20,036
  
Non-Performing
    
3,615
      
-
      
515
      
325
      
30
  
   
$
197,287
    
$
1,654
    
$
99,591
    
$
185,217
    
$
20,066
  

 
December 31, 2013
  
 
 
Consumer Loans
  
 
Residential Mortgages
  
Credit Card
  
Home Equity Lines and Loans
  
Indirect Consumer Loans
  
Other Direct Consumer Loans
  
Performing
  
$
193,167
    
$
1,757
    
$
95,499
    
$
165,045
    
$
18,880
  
Non-Performing
    
3,358
      
-
      
635
      
249
      
45
  
Total
  
$
196,525
    
$
1,757
    
$
96,134
    
$
165,294
    
$
18,925
  


At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower.  These loans are classified as PCI loans.  The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year.  These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.

The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2014 to December 31, 2014 (amounts in thousands):
   
Balance at
December 31, 2013
    
Income Accretion
    
All Other Adjustments
    
Balance at
December 31, 2014
  
Contractually required principal and interest
  
$
11,230
    
$
-
    
$
(7,609
)
  
$
3,621
  
Contractual cash flows not expected to be collected
  (non accretable discount)
    
(543
)
    
-
      
(27
)
    
(570
)
Cash flows expected to be collected
    
10,687
      
-
      
(7,636
)
    
3,051
  
Interest component of expected cash flows (accretable yield)
    
(991
)
    
515
      
56
      
(420
)
Fair value of loans acquired with deteriorating credit quality
  
$
9,696
    
$
515
    
$
(7,580
)
  
$
2,631
  



















F-29

(5)
PREMISES AND EQUIPMENT

Premises and equipment at December 31, 2014 and 2013 are as follows (amounts in thousands):

 
  
2014
    
2013
  
Land
  
$
4,803
    
$
4,803
  
Buildings
    
35,067
      
34,379
  
Projects in progress
    
132
      
-
  
Equipment and furniture
    
40,088
      
34,920
  
Leasehold improvements
    
6,094
      
6,041
  
     
86,184
      
80,143
  
Less accumulated depreciation and amortization
    
53,897
      
50,104
  
 
  
$
32,287
    
$
30,039
  

Depreciation expense was $3.9 million, $3.2 million and $2.9 million for 2014, 2013 and 2012, respectively.

Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $2.0 million, $1.3 million, and $1.1 million for 2014, 2013, and 2012, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows (amounts in thousands):

Year
  
Estimated Expense
  
2015
  
$
1,429
  
2016
    
1,166
  
2017
    
1,143
  
2018
    
1,147
  
2019
    
834
  
2020 and thereafter
    
4,154
  
Total
  
$
9,873
  

Capital Leases: The Corporation leases certain buildings under capital leases.  The lease arrangements require monthly payments through 2030.

The Corporation has included these leases in premises and equipment as follows:

 
  
2014
    
2013
  
Buildings
  
$
3,537
    
$
-
  
Accumulated depreciation
    
-
      
-
  
 
  
$
3,537
    
$
-
  

The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2014 (amounts in thousands):

Year
  
Amount
  
2015
  
$
234
  
2016
    
234
  
2017
    
234
  
2018
    
234
  
2019
    
234
  
2020 and thereafter
    
2,644
  
Total minimum lease payments
    
3,814
  
  Less amount representing interest
    
838
  
Present value of net minimum lease payments
  
$
2,976
  






F-30


(6)            GOODWILL AND INTANGIBLE ASSETS

The changes in goodwill included in the core banking segment during the years ended December 31, 2014 and 2013 were as follows (amounts in thousands):

   
2014
    
2013
  
Beginning of year
  
$
21,824
    
$
21,824
  
Acquired goodwill
    
-
      
-
  
End of year
  
$
21,824
    
$
21,824
  

Acquired intangible assets were as follows at December 31, 2014 and 2013 (amounts in thousands):

 
At December 31, 2014
  
At December 31, 2013
  
 
Balance Acquired
  
Accumulated Amortization
  
Balance Acquired
  
Accumulated Amortization
  
Core deposit intangibles
  
$
5,975
    
$
3,279
    
$
5,975
    
$
2,338
  
Other customer relationship intangibles
    
5,633
      
3,262
      
6,063
      
3,323
  
Total
  
$
11,608
    
$
6,541
    
$
12,038
    
$
5,661
  

Aggregate amortization expense was $1.3 million, $0.9 million and $1.0 million for 2014, 2013 and 2012, respectively.

The remaining estimated aggregate amortization expense at December 31, 2014 is listed below (amounts in thousands):

Year
  
Estimated Expense
  
2015
  
$
1,136
  
2016
    
986
  
2017
    
859
  
2018
    
734
  
2019
    
609
  
2020 and thereafter
    
743
  
Total
  
$
5,067
  


(7)            DEPOSITS

A summary of deposits at December 31, 2014 and 2013 is as follows (amounts in thousands):

   
2014
    
2013
  
Non-interest-bearing demand deposits
  
$
366,298
    
$
351,222
  
Interest-bearing demand deposits
    
110,819
      
114,679
  
Insured money market accounts
    
392,871
      
361,095
  
Savings deposits
    
198,183
      
194,768
  
Time deposits
    
211,843
      
244,492
  
 
  
$
1,280,014
    
$
1,266,256
  

Scheduled maturities of time deposits at December 31, 2014, are summarized as follows (amounts in thousands):

Year
    
2015
  
$
155,295
  
2016
    
34,803
  
2017
    
9,486
  
2018
    
4,775
  
2019
    
5,851
  
2020 and thereafter
    
1,633
  
 
  
$
211,843
  



F-31


Time deposits that meet or exceed the FDIC Insurance limit of $250,000 at December 31, 2014 and 2013 were $42.8 million and $37.7 million, respectively.

Time deposits include certificates of deposit in denominations of $100 thousand or more aggregating $80.5 million and $88.8 million at December 31, 2014 and 2013, respectively. Interest expense on such certificates was $0.5 million, $0.8 million and $1.2 million for 2014, 2013 and 2012, respectively.

Maturities of time deposits in denominations of $100 thousand or more outstanding at December 31, 2014 are summarized as follows (amounts in thousands):

3 months or less
  
$
31,484
  
Over 3 through 6 months
    
15,286
  
Over 6 through 12 months
    
17,842
  
Over 12 months
    
15,845
  
   
$
80,457
  


(8)            SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2014, 2013 and 2012 is as follows (amounts in thousands):

 
  
2014
    
2013
    
2012
  
  Balance at December 31
  
$
29,652
    
$
32,701
    
$
32,711
  
  Maximum month-end balance
  
$
31,914
    
$
32,701
    
$
38,284
  
  Average balance during year
  
$
30,667
    
$
31,102
    
$
34,534
  
  Weighted-average interest rate at December 31
    
2.82
%
    
2.93
%
    
3.02
%
   Average interest rate paid during year
    
2.77
%
    
2.76
%
    
2.88
%

Information concerning outstanding securities repurchase agreements as of December 31, 2014 is summarized as follows (amounts in thousands):
Remaining Term to Final Maturity (1)
  
Repurchase Liability
    
Accrued Interest Payable
    
Weighted Average Rate
    
Estimated Fair Value of Collateral Securities (2)
  
Within 90 days
  
$
9,652
    
$
-
      
0.10
%
  
$
16,682
  
After 90 days but within one year
    
-
      
-
      
-
%
    
-
  
After one year but within five years
    
20,000
      
63
      
4.13
%
    
23,530
  
After five years but within ten years
    
-
      
-
      
-
%
    
-
  
Total
  
$
29,652
    
$
63
      
2.82
%
  
$
40,212
  
(1)
 At December 31, 2014, the securities repurchase agreements were non-callable with a weighted-average rate of 3.10%, and a weighted-average term to maturity of approximately 1.9 years.
(2)
Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $342 thousand at December 31, 2014.














F-32

(9)            FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES

The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2014 and 2013.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance (amounts in thousands):
2014
  
Amount
  
Rate
  
Maturity Date
  
Call Date
  
$
30,830
    
0.32
%
January 2, 2015
    -  
 10,000
    
4.60
%
December 22, 2016
    -  
 4,138
    
3.90
%
October 19, 2017
  
January 19, 2015
  
 3,103
    
2.91
%
December 4, 2017
  
March 3, 2015
  
 2,069
    
3.05
%
January 2, 2018
  
April 1, 2015
  
$
50,140
    
1.73
%
 
        

2013
  
Amount
  
Rate
  
Maturity Date
  
Call Date
  
$
1,033
    
3.20
%
June 18, 2014
    -  
 775
    
3.05
%
October 2, 2014
    -  
 4,134
    
3.84
%
October 20, 2014
  
January 20, 2014
  
 10,000
    
4.60
%
December 22, 2016
    -  
 4,134
    
3.90
%
October 19, 2017
  
January 19, 2014
  
 3,100
    
2.91
%
December 4, 2017
  
March 4, 2014
  
 2,067
    
3.05
%
January 2, 2018
  
April 1, 2014
  
$
 25,243
    
3.93
%
 
        

Each advance is payable at its maturity date, with a prepayment penalty for term advances.  The advances were collateralized by $152.7 million and $145.1 million of first mortgage loans under a blanket lien arrangement at December 31, 2014 and 2013, respectively.  Based on this collateral and the Corporation’s holdings of FHLBNY stock, the Corporation is eligible to borrow up to a total of $86.0 million at year-end 2014.


(10)            INCOME TAXES

For the years ended December 31, 2014, 2013 and 2012, income tax expense attributable to income from operations consisted of the following (amounts in thousands):

Current:
  
2014
    
2013
    
2012
  
  State
  
$
606
    
$
395
    
$
530
  
  Federal
    
5,366
      
3,548
      
4,208
  
 
    
5,972
      
3,943
      
4,738
  
Deferred expense/(benefit)
    
(2,263
)
    
(121
)
    
647
  
 
  
$
3,709
    
$
3,822
    
$
5,385
  

Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows (amounts in thousands):

 
  
2014
    
2013
    
2012
  
Tax computed at statutory rate
  
$
4,034
    
$
4,268
    
$
5,578
  
Tax-exempt interest
    
(456
)
    
(483
)
    
(506
)
Dividend exclusion
    
(60
)
    
(46
)
    
(40
)
State taxes, net of Federal impact
    
227
      
188
      
439
  
Nondeductible interest expense
    
8
      
11
      
16
  
Other items, net
    
(44
)
    
(116
)
    
(102
)
     Income tax expense
  
$
3,709
    
$
3,822
    
$
5,385
  





F-33

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2014 and 2013, are presented below (amounts in thousands):

 
  
2014
    
2013
  
Deferred tax assets:
  
   
 
Allowance for loan losses
  
$
5,182
    
$
4,889
  
Accrual for employee benefit plans
    
709
      
754
  
Depreciation
    
1,010
      
431
  
Deferred compensation and directors' fees
    
1,076
      
947
  
Purchase accounting adjustment – deposits
    
65
      
137
  
Purchase accounting adjustment – loans
    
259
      
340
  
Purchase accounting adjustment - fixed assets
    
221
      
224
  
Accounting for defined benefit pension and other benefit plans
    
6,624
      
3,691
  
Trust preferred impairment write down
    
540
      
742
  
Nonaccrued interest
    
617
      
626
  
Accrued expense
    
1,580
      
-
  
Other
    
456
      
647
  
    Total gross deferred tax assets
    
18,339
      
13,428
  

Deferred tax liabilities:
        
Deferred loan fees and costs
    
910
      
929
  
Prepaid pension
    
5,179
      
5,435
  
Net unrealized gains on securities available for sale
    
1,359
      
3,929
  
Discount accretion
    
410
      
352
  
Core deposit intangible
    
1,479
      
1,556
  
Other
    
153
      
144
  
    Total gross deferred tax liabilities
    
9,490
      
12,345
  
      Net deferred tax asset
  
$
8,849
    
$
1,083
  

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the loss carryback period. A valuation allowance is recognized when it is more likely than not that some portion of the deferred tax assets will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax assets, the level of historical taxable income and projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.  Based on its assessment, management determined that no valuation allowance is necessary.

As of December 31, 2014, December 31, 2013 and December 31, 2012 the Corporation did not have any unrecognized tax benefits.

The Corporation accounts for interest and penalties related to uncertain tax positions as part of its provision for Federal and State income taxes.  As of December 31, 2014, 2013 and 2012, the Corporation did not accrue any interest or penalties related to its uncertain tax positions.

The Corporation is not currently subject to examinations by Federal taxing authorities for the years prior to 2010 and for New York State taxing authorities for the years prior to 2010.

















F-34

(11)            PENSION PLAN AND OTHER BENEFIT PLANS

Pension Plan

The Corporation has a noncontributory defined benefit pension plan covering a majority of employees.  The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.

The Corporation uses a December 31 measurement date for its pension plan.

The Corporation amended the Defined Benefit Pension Plan during 2010.  New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2014 and 2013 (amounts in thousands):

Change in projected benefit obligation:
  
2014
    
2013
  
Benefit obligation at beginning of year
  
$
36,186
    
$
38,051
  
Service cost
    
1,045
      
1,195
  
Interest cost
    
1,738
      
1,587
  
Actuarial (gain) loss
    
8,064
      
(3,269
)
Benefits paid
    
(1,489
)
    
(1,378
)
  Benefit obligation at end of year
  
$
45,544
    
$
36,186
  

Change in plan assets:
  
2014
    
2013
  
Fair value of plan assets at beginning of year
  
$
41,782
    
$
37,239
  
Actual return on plan assets
    
3,043
      
5,921
  
Employer contributions
    
-
      
-
  
Benefits paid
    
(1,489
)
    
(1,378
)
  Fair value of plan assets at end of year
  
$
43,336
    
$
41,782
  
 
                
Funded status
  
$
(2,207
)
  
$
5,596
  

Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

   
2014
    
2013
  
Net actuarial loss
  
$
17,388
    
$
9,843
  
Prior service cost
    
15
      
22
  
  Total before tax effects
  
$
17,403
    
$
9,865
  

The accumulated benefit obligation at December 31, 2014 and 2013 was $38.7 million and $31.2 million, respectively.


















F-35

The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2014, 2013 and 2012 were as follows:
 
 
2014
    
2013
    
2012
 
Discount rate
 
 
4.09
%
 
 
4.92
%
 
 
4.26
%
Assumed rate of future compensation increase
 
 
5.00
%
 
 
5.00
%
 
 
5.00
%

Components of net periodic benefit cost and other amounts recognized in other comprehensive income (loss) in 2014, 2013 and 2012 consist of the following (amounts in thousands):

Net periodic benefit cost
  
2014
    
2013
    
2012
  
Service cost, benefits earned during the year
  
$
1,045
    
$
1,195
    
$
1,074
  
Interest cost on projected benefit obligation
    
1,738
      
1,587
      
1,606
  
Expected return on plan assets
    
(3,174
)
    
(2,824
)
    
(2,743
)
Amortization of net loss
    
649
      
1,579
      
1,410
  
Amortization of  prior service cost
    
7
      
14
      
14
  
  Net periodic cost
  
$
265
    
$
1,551
    
$
1,361
  

Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss):
  
2014
    
2013
    
2012
  
Net actuarial (gain) loss
  
$
8,195
    
$
(6,367
)
  
$
3,365
  
Recognized loss
    
(649
)
    
(1,579
)
    
(1,410
)
Amortization of prior service cost
    
(7
)
    
(14
)
    
(14
)
  Total recognized in other comprehensive (loss) income
     (before tax effect)
  
$
7,539
    
$
(7,960
)
  
$
1,941
  
  Total recognized in net benefit cost and other comprehensive
     (loss) income (before tax effect)
  
$
7,804
    
$
(6,409
)
  
$
3,302
  

Amounts expected to be recognized in net periodic cost during 2015
  
 
Loss recognition
  
$
1,475
  
Prior service cost recognition
  
$
7
  

The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows:
 
 
2014
    
2013
    
2012
  
Discount rate
 
  
4.92
%
 
 
4.26
%
 
 
4.95
%
Expected long-term rate of return on assets
 
  
7.75
%
 
 
7.75
%
 
 
8.00
%
Assumed rate of future compensation increase
 
  
5.00
%
 
 
5.00
%
 
 
5.00
%

The Corporation changes important assumptions whenever changing conditions warrant.  At December 31, 2014, the Corporation adopted the Retirement Plan 2014 (RP-2014) and Mortality Projection 2014 (MP-2014) mortality tables, which were finalized by the Society of Actuaries in October 2014 and reflected improved life expectancies and an expectation that this trend will continue.  The discount rate is evaluated at least annually and the expected long-term return on plan assets will typically be revised every three to five years, or as conditions warrant.  Other material assumptions include the compensation increase rates, rates of employee terminations, and rates of participant mortality.

The Corporation's overall investment strategy is to achieve a mix of investments for long-term growth and for near-term benefit payments with a wide diversification of asset types.  The target allocations for plan assets are shown in the table below. Equity securities primarily include investments in common or preferred shares of both U.S. and international companies. Debt securities include U.S. Treasury and Government bonds as well as U.S. Corporate bonds.  Other investments may consist of mutual funds, money market funds and cash & cash equivalents.  While no significant changes in the asset allocations are expected during 2014, the Corporation may make changes at any time.








F-36

The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
 
Target Allocation 2014
 
 
Percentage of Plan Assets at December 31,
 
 
Expected Long-Term Rate of Return
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2014
 
 
2013
 
 
 
 
Large cap domestic equities
 
 
30% - 60
%
 
 
50
%
 
 
54
%
 
 
10.3
%
Mid-cap domestic equities
 
 
0% - 20
%
 
 
14
%
 
 
8
%
 
 
10.6
%
Small-cap domestic equities
 
 
0% - 15
%
 
 
3
%
 
 
3
%
 
 
10.8
%
International equities
 
 
0% - 25
%
 
 
4
%
 
 
4
%
 
 
10.3
%
Intermediate fixed income
 
 
20% - 50
%
 
 
26
%
 
 
26
%
 
 
4.7
%
Alternative assets
    
0% - 10
%
    
2
%
    
3
%
    
7.5
%
Cash
 
 
0% - 20
%
 
 
1
%
 
 
2
%
 
 
2.5
%
    Total
 
 
 
 
 
 
100
%
 
 
100
%
 
 
    

The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk.  The focus is on long-term capital appreciation and income generation. The Corporation maintains an Investment Policy Statement ("IPS") that guides the investment allocation in the plan.  The IPS describes the target asset allocation positions as shown in the table above.

The Corporation has appointed an Employee Pension and Profit Sharing Committee to manage the general philosophy, objectives and process of the plan. The Employee Pension and Profit Sharing Committee meets with the Investment Manager periodically to review the plan's performance and to ensure that the current investment allocation is within the guidelines set forth in the IPS.  Only the Employee Pension and Profit Sharing Committee, in consultation with the Investment Manager, can make adjustments to maintain target ranges and for any permanent changes to the IPS.  Quarterly, the Board of Directors' Trust and Employee Benefits Committee reviews the performance of the plan with the Investment Manager.

As of December 31, 2014 and 2013, the Corporation's pension plan did not hold any direct investment in the Corporation's common stock.

The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan:

Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date.  The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

Discounted cash flows are calculated using spread and optionality.  During times when trading is more liquid, broker quotes are used (if available) to validate the model.  Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.













F-37

The fair value of the plan assets at December 31, 2014 and 2013, by asset class are as follows (amounts in thousands):

    
Fair Value Measurement at December 31, 2014 Using
  
Plan Assets
  
Carrying Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Cash
  
$
626
    
$
626
    
$
-
    
$
-
  
Equity securities:
                                
  U.S. companies
    
28,011
      
28,011
      
-
      
-
  
  International companies
    
856
      
856
      
-
      
-
  
 
                                
Mutual funds
    
7,111
      
7,111
      
-
      
-
  
 
                                
Debt securities:
                                
  U.S. Treasuries/Government bonds
    
2,701
      
2,701
      
-
      
-
  
  U.S. Corporate bonds
    
3,775
      
-
      
3,775
      
-
  
  Foreign bonds, notes & debentures
    
256
      
-
      
256
      
-
  
Total plan assets
  
$
43,336
    
$
39,305
    
$
4,031
    
$
-
  

   
Fair Value Measurement at December 31, 2013 Using
  
Plan Assets
  
Carrying Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Cash
  
$
982
    
$
982
    
$
-
    
$
-
  
Equity securities:
                                
  U.S. companies
    
27,170
      
27,170
      
-
      
-
  
 
                                
Mutual funds
    
7,288
      
7,288
      
-
      
-
  
 
                                
Debt securities:
                                
  U.S. Treasuries/Government bonds
    
3,309
      
3,309
      
-
      
-
  
  U.S. Corporate bonds
    
2,771
      
-
      
2,771
      
-
  
  Foreign bonds, notes & debentures
    
262
      
-
      
262
      
-
  
Total plan assets
  
$
41,782
    
$
38,749
    
$
3,033
    
$
-
  

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan (amounts in thousands):

Calendar Year
  
Future Expected Benefit Payments
  
2015
  
$
1,761
  
2016
  
$
1,849
  
2017
  
$
1,949
  
2018
  
$
2,052
  
2019
  
$
2,114
  
2020-2024
  
$
11,949
  

The Corporation does not expect to contribute to the plan during 2015.  Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements.



F-38

For tax planning, financial planning, cash flow management or cost reduction purposes the Corporation may increase, accelerate, decrease or delay contributions to the plan to the extent permitted by law.

Defined Contribution Profit Sharing, Savings and Investment Plan

The Corporation also sponsors a defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes discretionary matching and profit sharing contributions to the plan for employees hired prior to July 1, 2010 based on the financial results of the Corporation.  The Corporation also contributes to a non-discretionary 401K plan which covers all eligible employees hired after July 1, 2010.  Expense related to both plans totaled $620 thousand, $521 thousand, and $393 thousand for the years ended December 31, 2014, 2013 and 2012, respectively.  The plan's assets at December 31, 2014, 2013 and 2012 include 170,714, 178,113 and 189,337 shares, respectively, of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.

Defined Benefit Health Care Plan

The Corporation uses a December 31 measurement date for its postretirement medical benefits plan.

The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2014 and 2013 (amounts in thousands):

Changes in accumulated postretirement benefit obligation:
  
2014
    
2013
  
Accumulated postretirement benefit obligation - beginning of year
  
$
1,490
    
$
1,534
  
Service cost
    
39
      
44
  
Interest cost
    
72
      
66
  
Participant contributions
    
84
      
74
  
Actuarial (gain) loss
    
177
      
(61
)
Benefits paid
    
(199
)
    
(167
)
  Accumulated postretirement benefit obligation at end of year
  
$
1,663
    
$
1,490
  

Change in plan assets:
  
2014
    
2013
  
Fair value of plan assets at beginning of year
  
$
-
    
$
-
  
Employer contribution
    
115
      
93
  
Plan participants’ contributions
    
84
      
74
  
Benefits paid
    
(199
)
    
(167
)
  Fair value of plan assets at end of year
  
$
-
    
$
-
  
 
                
Funded status
  
$
(1,663
)
  
$
(1,490
)

Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

   
2014
    
2013
  
Net actuarial loss
  
$
322
    
$
148
  
Prior service benefit
    
(531
)
    
(628
)
  Total before tax effects
  
$
(209
)
  
$
(480
)

Weighted-average assumption for disclosure as of December 31,
  
2014
    
2013
    
2012
 
Discount rate
    
4.09
%
    
4.92
%
    
4.26
%
Health care cost trend: Initial
    
7.00
%
    
8.00
%
    
9.00
%
Health care cost trend: Ultimate
    
5.00
%
    
5.00
%
    
5.00
%
Year ultimate cost trend reached
    
2018
 
    
2018
 
    
2018
 








F-39

The components of net periodic postretirement benefit cost for the years ended December 31, 2014, 2013 and 2012 are as follows (amounts in thousands):

Net periodic benefit cost
  
2014
    
2013
    
2012
  
Service cost
  
$
39
    
$
44
    
$
39
  
Interest cost
    
72
      
66
      
71
  
Amortization of  prior service benefit
    
(97
)
    
(97
)
    
(97
)
Recognized actuarial loss
    
3
      
10
      
1
  
  Net periodic postretirement cost
  
$
17
    
$
23
    
$
14
  

Other changes in plan assets and benefit obligations
  recognized  in other comprehensive income (loss):
  
2014
    
2013
    
2012
  
Net actuarial (gain) loss
  
$
177
    
$
(61
)
  
$
178
  
Recognized actuarial loss
    
(3
)
    
(10
)
    
(1
)
Amortization of  prior service benefit
    
97
      
97
      
97
  
  Total recognized in other comprehensive income (loss) (before tax
     effect)
  
$
271
    
$
26
    
$
274
  
  Total recognized in net benefit cost and other comprehensive
     income (loss) (before tax effect)
  
$
288
    
$
49
    
$
288
  

During 2014 the plan's total unrecognized net loss increased by $174 thousand.  Because the total unrecognized net gain or loss in the plan exceeds 10% of the accumulated postretirement benefit obligation, the excess will be amortized over the average future working lifetime of active plan participants.  As of January 1, 2014 the average future working lifetime of active participants was 14.89 years.  Actual results for 2015 will depend on the 2015 actuarial valuation of the plan.

Amounts expected to be recognized in net periodic cost during 2015:
  
 
Loss recognition
  
$
10
  
Prior service cost recognition
  
$
(97
)

Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects (amounts in thousands):

Effect of a 1% increase in health care trend rate on:
  
2014
    
2013
    
2012
  
Benefit obligation
  
$
5
    
$
15
    
$
4
  
Total service and interest cost
  
$
-
    
$
-
    
$
-
  

Effect of a 1% decrease in health care trend rate on:
2014
    
2013
    
2012
  
Benefit obligation
$
(6
)
  
$
(23
)
  
$
(5
 )
Total service and interest cost
$
-
    
$
(2
)
  
$
(1
 )
 
 
Weighted-average assumptions for net periodic cost as of December 31,:
  
2014 
  
2013 
  
2012 
Discount rate
4.92
%
 4.26   %  
4.95
%
Health care cost trend: Initial
8.00
%
 9.00   %  
10.00
%
Health care cost tread: Ultimate
5.00
%
 5.00   %  
5.00
%
Year ultimate reached
2018
   2018   %  
2018
  

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten (amounts in thousands):
Calendar Year
  
Future Estimated Benefit Payments
  
2015
  
$
201
  
2016
  
$
176
  
2017
  
$
140
  
2018
  
$
150
  
2019
  
$
159
  
2020-2024
  
$
652
  
F-40

The Corporation’s policy is to contribute the amount required to fund postretirement benefits as they become due to retirees.  The amount expected to be required in contributions to the plan during 2015 is $201 thousand.

Executive Supplemental Pension Plan

The Corporation also sponsors an Executive Supplemental Pension Plan for certain current and former executive officers to restore certain pension benefits that may be reduced due to limitations under the Internal Revenue Code.  The benefits under this plan are unfunded as of December 31, 2014 and 2013.

The Corporation uses a December 31 measurement date for its Executive Supplemental Pension Plan.

The following table presents Executive Supplemental Pension plan status at December 31, 2014 and 2013 (amounts in thousands):

Change in projected benefit obligation:
  
2014
    
2013
  
Benefit obligation at beginning of year
  
$
1,116
    
$
1,162
  
Service cost
    
38
      
40
  
Interest cost
    
55
      
48
  
Actuarial (gain) loss
    
110
      
(59
)
Benefits paid
    
(75
)
    
(75
)
  Projected benefit obligation at end of year
  
$
1,244
    
$
1,116
  

Changes in plan assets:
  
2014
    
2013
  
Fair value of plan assets at beginning of year
  
$
-
    
$
-
  
Employer contributions
    
75
      
75
  
Benefits paid
    
(75
)
    
(75
)
  Fair value of plan assets at end of year
  
$
-
    
$
-
  
                 
Unfunded status
  
$
(1,244
)
  
$
(1,116
)

Amounts recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):
   
2014
    
2013
  
Net actuarial loss
  
$
275
    
$
194
  
Prior service cost
    
-
      
-
  
  Total before tax effects
  
$
275
    
$
194
  

Accumulated benefit obligation at December 31, 2014 and 2013 was $1.2 million and $1.0 million, respectively.

Weighted-average assumption for disclosure as of December 31,:
 
2014
    
2013
    
2012
 
Discount rate
 
 
4.09
%
 
 
4.92
%
 
 
4.26
%
Assumed rate of future compensation increase
 
 
5.00
%
 
 
5.00
%
 
 
5.00
%

The components of net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 are as follows (amounts in thousands):

Net periodic benefit cost
  
2014
    
2013
    
2012
  
Service cost
  
$
38
    
$
40
    
$
35
  
Interest cost
    
55
      
48
      
51
  
Recognized actuarial loss
    
29
      
34
      
20
  
  Net periodic postretirement benefit cost
  
$
122
    
$
122
    
$
106
  








F-41

Other changes in plan assets and benefit obligation recognized in
  other comprehensive income (loss):
  
2014
    
2013
    
2012
  
Net actuarial (gain) loss
  
$
110
    
$
(59
)
  
$
81
  
Recognized actuarial loss
    
(29
)
    
(34
)
    
(20
)
  Total recognized in other comprehensive income (loss) (before tax effect)
  
$
81
    
$
(93
)
  
$
61
  
 
                        
  Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect)
  
$
203
    
$
29
    
$
167
  

Amounts expected to be recognized in net periodic cost during 2015:
 
Loss recognition
 
$
50
  
Prior service cost recognition
 
$
-
  
 
 
Weighted-average assumptions for net periodic cost as of December 31,:
  
2014 
    
2013
    
2012 
Discount rate
    
4.92
%
    4.26 %   
4.95
%
Salary scale
    
5.00
%
    5.00 %  
5.00
%

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan (amounts in thousands):

Calendar Year
  
Future Estimated Benefit Payments
  
2015
  
$
75
  
2016
  
$
75
  
2017
  
$
75
  
2018
  
$
116
  
2019
  
$
116
  
2020-2024
  
$
580
  

The Corporation expects to contribute $75 thousand to the plan during 2015. Corporation contributions are equal to the benefit payments to plan participants.

Defined Contribution Supplemental Executive Retirement Plan

The Corporation also sponsors a Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers, which was initiated in 2012.  The plan is unfunded as of December 31, 2014 and is intended to provide nonqualified deferred compensation benefits payable at retirement, disability, death or certain other events.  The balance in the plan as of December 31, 2014 and December 31, 2013 was $550 thousand and $337 thousand, respectively.  A total of $213 thousand and $155 thousand was expensed during the years ended December 31, 2014 and 2013, respectively  In addition to each participants account being credited with the annual company contribution, each account will receive a quarterly interest credit that will equal the average yield on five year U.S. Treasury Notes.


(12)            STOCK COMPENSATION

Board of Director’s Stock Compensation

Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director.  The common shares are distributed to the Corporation's individual board members from treasury shares of the Corporation on or about January 15 following the calendar year of service.

Additionally, the President and Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to board members not employed by the Corporation who have served for 12 months during the prior year.

F-42

During January 2015, 2014, and 2013, 9,673, 8,385 and 7,969 shares, respectively, were re-issued from treasury to fund the stock component of the directors' and the President and Chief Executive Officer’s compensation.  An expense of $271 thousand, $273 thousand and $217 thousand related to this compensation was recognized during the years 2014, 2013 and 2012, respectively.  This expense is accrued as shares are earned.

Restricted Stock Plan

Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's President and Chief Executive Officer.  Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

A summary of restricted stock activity as of December 31, 2014, and changes during the year ended is presented below:

 
  
Shares
    
Weighted–Average Grant Date Fair Value
  
Nonvested at December 31, 2013
    
20,639
    
$
27.17
  
  Granted
    
11,279
      
28.40
  
  Vested
    
(5,490
)
    
26.09
  
  Forfeited or Cancelled
    
-
      
-
  
Nonvested at December 31, 2014
    
26,428
    
$
27.92
  

As of December 31, 2014, there was $718 thousand of total unrecognized compensation cost related to nonvested shares granted under the Plan.  The cost is expected to be recognized over a weighted-average period of 3.95 years.  The total fair value of shares vested during the years ended December 31, 2014 and 2013 were $152 thousand and $181 thousand, respectively.


(13)            RELATED PARTY TRANSACTIONS

Members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners (more than 10% interest), were customers of, and had loans and other transactions with the Corporation.  These loans are summarized as follows for the years ended December 31, 2014 and 2013 (amounts in thousands):

 
  
2014
    
2013
  
Balance at beginning of year
  
$
26,408
    
$
25,390
  
New loans or additional advances
    
33,282
      
30,056
  
Repayments
    
(21,888
)
    
(29,038
)
Balance at end of year
  
$
37,802
    
$
26,408
  

Deposits from principal officers, directors, and their affiliates at year-end 2014 and 2013 were $12.0 million and $9.8 million, respectively.


(14)            COMMITMENTS AND CONTINGENCIES

Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs.  These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.  Commitments may expire without being used.  Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.  The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (amounts in thousands):
 
2014
  
2013
  
 
Fixed Rate
  
Variable Rate
  
Fixed Rate
  
Variable Rate
  
Commitments to make loans
  
$
23,756
    
$
11,082
    
$
21,049
    
$
7,893
  
Unused lines of credit
  
$
812
    
$
185,235
    
$
2,190
    
$
187,061
  
Standby letters of credit
  
$
-
    
$
16,747
    
$
-
    
$
17,290
  



F-43

Commitments to make Real Estate and Home Equity loans are generally made for periods of sixty days or less.  As of December 31, 2014, the fixed rate commitments to make loans have interest rates ranging from 2.750% to 5.875% and maturities ranging from five years to thirty years.  Commitments to fund commercial draw notes are generally made for periods of three months to eighteen months.  As of December 31, 2014, the fixed rate commitments have interest rates ranging from 1.76% to 5.25%.

Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.  Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire.  The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value.  The Corporation does not anticipate losses as a result of these transactions.  These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled.

The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party.  Standby letters of credit generally arise in connection with lending relationships.  The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers.  Contingent obligations under standby letters of credit totaled $16.7 million at December 31, 2014 and represent the maximum potential future payments the Corporation could be required to make.  Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.  Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments.  Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension.  The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2014 was not significant.

The Corporation has an executive severance agreement with its President and Chief Executive Officer.

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate's Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts' investments and they claim $13.2 million and $24.1 million, consisting of damages and disallowed trustee's commissions, plus unspecified legal fees in the respective proceedings.   For both legal proceedings, the Bank agreed to participate in non-binding mediation which began November 10, 2014.  As a result of mediation and in anticipation of a settlement with both parties, the Bank's Board of Directors approved the establishment of an accrual for legal settlement in the amount of $12.1 million, offset by a $7.9 million receivable for insurance proceeds.  Two stipulations reflecting the settlements have been submitted to the Surrogate’s Court. 
 
In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.  Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.



















F-44

(15)            PARENT COMPANY FINANCIAL INFORMATION

Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting) (amounts in thousands):

BALANCE SHEETS - DECEMBER 31
  
2014
    
2013
  
Assets:
  
   
 
Cash on deposit with subsidiary bank
  
$
3,200
    
$
2,686
  
Investment in subsidiary - Chemung Canal Trust Company
    
128,081
      
133,557
  
Investment in subsidiary - CFS Group, Inc.
    
908
      
779
  
Dividends receivable from subsidiary bank
    
1,204
      
1,195
  
Securities available for sale, at estimated fair value
    
346
      
343
  
Other assets
    
1,129
      
1,254
  
  Total assets
  
$
134,868
    
$
139,814
  
Liabilities and shareholders' equity:
                
Dividends payable
    
1,204
      
1,195
  
Other liabilities
    
36
      
41
  
  Total liabilities
    
1,240
      
1,236
  
Shareholders' equity:
                
  Total shareholders' equity
    
133,628
      
138,578
  
  Total liabilities and shareholders' equity
  
$
134,868
    
$
139,814
  
 
STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
  
2014
    
2013
    
2012
  
Dividends from subsidiary bank
  
$
4,805
    
$
4,778
    
$
4,573
  
Interest and dividend income
    
10
      
9
      
7
  
Other income
    
-
      
132
      
150
  
Operating expenses
    
261
      
324
      
331
  
Income before impact of subsidiaries' undistributed earnings
    
4,554
      
4,595
      
4,399
  
Equity in undistributed earnings of Chemung Canal Trust Company
    
3,307
      
3,873
      
6,411
  
Equity in undistributed earnings of CFS Group, Inc.
    
129
      
139
      
54
  
Income before income tax
    
7,990
      
8,607
      
10,864
  
Income tax benefit
    
(167
)
    
(124
)
    
(158
)
Net Income
  
$
8,157
    
$
8,731
    
$
11,022
  

STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
  
2014
    
2013
    
2012
  
Cash flows from operating activities:
  
   
   
 
Net Income
  
$
8,157
    
$
8,731
    
$
11,022
  
Adjustments to reconcile net income to net cash provided by operating activities:
                        
Equity in undistributed earnings of Chemung Canal Trust Company
    
(3,307
)
    
(3,873
)
    
(6,411
)
Equity in undistributed earnings of CFS Group, Inc.
    
(129
)
    
(139
)
    
(54
)
Change in dividend receivable
    
(9
)
    
(1,195
)
    
1,141
  
Change in other assets
    
126
      
558
      
765
  
Change in other liabilities
    
110
      
79
      
48
  
Expense related to employee stock compensation
    
117
      
112
      
80
  
Expense related to restricted stock units for directors' deferred
  compensation plan
    
94
      
99
      
87
  
Expense to employee restricted stock awards
    
151
      
131
      
80
  
   Net cash provided by operating activities
    
5,310
      
4,503
      
6,758
  
Cash flow from financing activities:
                        
Cash dividends paid
    
(4,796
)
    
(3,583
)
    
(5,714
)
Purchase of treasury stock
    
-
      
(93
)
    
(636
)
Sale of treasury stock
    
-
      
71
      
258
  
   Net cash used in financing activities
    
(4,796
)
    
(3,605
)
    
(6,092
)
   Increase in cash and cash equivalents
    
514
      
898
      
666
  
Cash and cash equivalents at beginning of year
    
2,686
      
1,788
      
1,122
  
Cash and cash equivalents at end of year
  
$
3,200
    
$
2,686
    
$
1,788
  








F-45

(16)            FAIR VALUES

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair value:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Corporation used the following methods and significant assumptions to estimate fair value:

Investment Securities:  The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

Trading Assets:  Securities that are held to fund a deferred compensation plan are recorded at fair value with changes in fair value included in earnings.  The fair values of trading assets are determined by quoted market prices (Level 1 inputs).

Impaired Loans:  At the time a loan is considered impaired, it is valued at the lower of cost or fair value.  Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting.  For collateral dependent loans, fair value is commonly based on real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Other Real Estate Owned (“OREO”):  Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

Appraisals for both collateral-dependent impaired loans and OREO are performed by certified general appraisers (commercial properties) or certified residential appraisers (residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation.  Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO.  On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.









F-46

Assets and liabilities measured at fair value on a recurring basis are summarized below (amounts in thousands):

    
Fair Value Measurement at December 31, 2014 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
    
Significant
Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
  
$
181,673
    
$
31,115
    
$
150,558
    
$
-
  
Mortgage-backed securities, residential
    
61,660
      
-
      
61,660
      
-
  
Collateralized mortgage obligations
    
338
      
-
      
338
      
-
  
Obligations of states and political subdivisions
    
31,451
      
-
      
31,451
      
-
  
Corporate bonds and notes
    
1,533
      
-
      
1,533
      
-
  
SBA loan pools
    
1,304
      
-
      
1,304
      
-
  
Trust Preferred securities
    
2,028
      
-
      
2,028
      
-
  
Corporate stocks
    
520
      
104
      
416
      
-
  
Total available for sale securities
  
$
280,507
    
$
31,219
    
$
249,288
    
$
-
  
                                 
Trading assets
  
$
549
    
$
549
    
$
-
    
$
-
  


   
Fair Value Measurement at December 31, 2013 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
  
$
188,106
    
$
31,262
    
$
156,844
    
$
-
  
Mortgage-backed securities, residential
    
104,356
      
-
      
104,356
      
-
  
Collateralized mortgage obligations
    
1,015
      
-
      
1,015
      
-
  
Obligations of states and political subdivisions
    
38,376
      
-
      
38,376
      
-
  
Corporate bonds and notes
    
2,946
      
-
      
2,946
      
-
  
SBA loan pools
    
1,488
      
-
      
1,488
      
-
  
Trust Preferred securities
    
2,034
      
-
      
2,034
      
-
  
Corporate stocks
    
7,695
      
7,279
      
416
      
-
  
Total available for sale securities
  
$
346,016
    
$
38,541
    
$
307,475
    
$
-
  
                                 
Trading assets
  
$
366
    
$
366
    
$
-
    
$
-
  

There were no transfers between Level 1 and Level 2 during the years ended December 31, 2014 and December, 31, 2013.

The significant unobservable inputs used in the fair value measurement of the Corporation’s collateralized mortgage obligations are probabilities of specific-issuer defaults and deferrals and specific-issuer recovery assumptions.  Significant increases in specific-issuer default assumptions or decreases in specific-issuer recovery assumptions would result in a significantly lower fair value measurement.  Conversely, decreases in specific-issuer default assumptions or increases in specific-issuer recovery assumptions would result in a higher fair value measurement.  The Corporation treats all interest payment deferrals as defaults and assumes no recoveries on defaults.








F-47

The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2014 and 2013:

Trust Preferred Securities Available for Sale
  
Fair Value Measurement twelve-months ended December 31, 2014 Using Significant Unobservable Inputs (Level 3)
    
Fair Value Measurement twelve-months ended December 31, 2013 Using Significant Unobservable Inputs (Level 3)
  
Beginning balance
  
$
-
    
$
445,600
  
Total gains/losses (realized/unrealized):
                
  Included in earnings:
                
    Impairment charge on investment securities
    
-
      
(29,025
)
  Included in other comprehensive income
    
-
      
183,425
  
Transfers in and/or out of Level 3
    
-
      
(600,000
)
Ending balance, December 31
  
$
-
    
$
-
  

Assets and liabilities measured at fair value on a non-recurring basis are summarized below (amounts in thousands):

   
Fair Value Measurement at December 31, 2014 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Impaired Loans:
                
Commercial mortgages:
                
  Commercial mortgages
  
$
3,593
    
$
-
    
$
-
    
$
2,905
  
Consumer loans:
                                
  Home equity lines and loans
    
52
      
-
      
-
      
52
  
     Total Impaired Loans
  
$
3,645
    
$
-
    
$
-
    
$
2,957
  
                                 
Other real estate owned:
                                
Commercial mortgages:
                                
  Commercial mortgages
  
$
3,063
    
$
-
    
$
-
    
$
3,063
  
Consumer loans:
                                
  Home equity lines and loans
    
2
      
-
      
-
      
2
  
     Total Other Real Estate Owned, net
  
$
3,065
    
$
-
    
$
-
    
$
3,065
  






















F-48

   
Fair Value Measurement at December 31, 2013 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Impaired Loans:
                
Commercial and agricultural:
                
  Commercial and industrial
  
$
460
    
$
-
    
$
-
    
$
460
  
Commercial mortgages:
                                
  Commercial mortgages
    
485
      
-
      
-
      
485
  
Consumer loans:
                                
  Home equity lines and loans
    
54
      
-
      
-
      
54
  
     Total Impaired Loans
  
$
999
    
$
-
    
$
-
    
$
999
  
                                 
Other real estate owned:
                                
Commercial and agricultural:
                                
  Commercial and industrial
  
$
101
    
$
-
    
$
-
    
$
101
  
Commercial mortgages:
                                
  Commercial mortgages
    
266
      
-
      
-
      
266
  
Residential mortgages
    
106
      
-
      
-
      
106
  
Consumer loans:
                                
  Home equity lines and loans
    
65
      
-
      
-
      
65
  
     Total Other Real Estate Owned, net
  
$
538
    
$
-
    
$
-
    
$
538
  

The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2014 and December 31, 2013 (amounts in thousands):

Description
  
Fair Value at December 31, 2014
  
Technique
  
Unobservable Inputs
Impaired loans
  
$
 
3,645
 
  
Third party real estate and a 100% discount of personal property
    
1
 
  
Management discount based on underlying collateral characteristics and market conditions
                          
OREO
  
$
3,065
  
Third party appraisals
    
1
  
Estimated holding  period
               
2
  
Estimated closing costs

Description
  
Fair Value at December 31, 2013
  
Technique
  
Unobservable Inputs
Impaired loans
  
$
 
999
 
  
Third party real estate and a 100% discount of personal property
    
1
 
  
Management discount based on underlying collateral characteristics and market conditions
                          
OREO
  
$
538
  
Third party appraisals
    
1
  
Estimated holding  period
               
2
  
Estimated closing costs

Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $4.9 million with a valuation allowance of $1.2 million as of December 31, 2014, resulting in an increase of $232 thousand in the provision for loan losses for the year ending December 31, 2014.  Impaired loans had a principal balance of $2.0 million with a valuation allowance of $1.0 million as of December 31, 2013, resulting in an increase of $853 thousand in the provision for loan losses for the year ending December 31, 2013.

OREO, which is measured by the lower of carrying or fair value less costs to sell, had a net carrying amount of $3.1 million at December 31, 2014.  The net carrying amount reflects the outstanding balance of $3.1 million, net of a valuation allowance of $2 thousand at December 31, 2014.  OREO had a net carrying amount of $538 thousand at December 31, 2013.  The net carrying amount reflects the outstanding balance of $732 thousand, net of a valuation allowance of $194 thousand at December 31, 2013, which resulted in a write down of $2 thousand for the year ended December 31, 2013.

F-49


FAIR VALUE OF FINANCIAL INSTRUMENTS

The following methods and assumptions were used to estimate the fair value of each class of financial instruments:

Cash, Due From and Interest-Bearing Deposits in Other Financial Institutions

For those short-term instruments that generally mature in 90 days or less, the carrying value approximates fair value of which non interest-bearing deposits are classified as Level 1 and interest-bearing deposits with the FHLBNY and FRBNY are classified as Level 1, and time deposits are classified as Level 2.

FHLB and FRB Stock

It is not practicable to determine the fair value of FHLBNY and FRBNY stock due to restrictions on its transferability.

Loans Receivable

For variable-rate loans that reprice frequently, fair values approximate carrying values.  The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality.  Loans are classified as Level 3.  The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.  Loans held for sale are classified as Level 2.

Loans Held for Sale

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale are classified as Level 2.

Deposits

The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.

The fair value of certificates of deposits is estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of the weighted-average expected monthly maturities and classified as Level 2.

Securities Sold Under Agreements to Repurchase

These instruments bear both variable and fixed rates of interest.  Therefore, the carrying value approximates fair value for the variable rate instruments and the fair value of fixed rate instruments is based on discounted cash flows to maturity.  These are classified as Level 2.

FHLBNY Term Advances

These instruments bear a stated rate of interest to maturity and, therefore, the fair value is based on discounted cash flows to maturity and classified as Level 2.

Commitments to Extend Credit

The fair value of commitments to extend credit is based on fees currently charged to enter into similar agreements, the counter-party's credit standing and discounted cash flow analysis.  The fair value of these commitments to extend credit approximates the recorded amounts of the related fees and is not material at December 31, 2014 and 2013.

Accrued Interest Receivable and Payable

For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with.






F-50

The carrying amounts and estimated fair values of other financial instruments, at December 31, 2014 and December 31, 2013, are as follows (amounts in thousands):

   
Fair Value Measurements at December 31, 2014 Using
  
Financial assets:
  
Carrying Amount
    
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
    
Estimated
Fair Value (1)
  
Cash and due from financial
  institutions
  
$
28,130
    
$
28,130
    
$
-
    
$
-
    
$
28,130
  
Interest-bearing deposits in other
  financial institutions
    
1,033
      
1,033
      
-
      
-
      
1,033
  
Trading assets
    
549
      
549
      
-
      
-
      
549
  
Securities available for sale
    
280,507
      
31,219
      
249,288
      
-
      
280,507
  
Securities held to maturity
    
5,831
      
-
      
6,197
      
-
      
6,197
  
FHLBNY and FRBNY stock
    
5,535
      
-
      
-
      
-
      
N/A
 
Loans, net
    
1,107,888
      
-
      
-
      
1,135,590
      
1,135,590
  
Loans held for sale
    
665
      
-
      
665
      
-
      
665
  
Accrued interest receivable
    
4,185
      
145
      
1,295
      
2,745
      
4,185
  
                                         
Financial liabilities:
                                        
Deposits:
                                        
Demand, savings, and insured
  money market accounts
  
$
1,068,171
    
$
1,068,171
    
$
-
    
$
-
    
$
1,068,171
  
Time deposits
    
211,843
      
-
      
212,397
      
-
      
212,397
  
Securities sold under agreements
  to repurchase
    
29,652
      
-
      
30,853
      
-
      
30,853
  
FHLBNY overnight advances
    
30,830
      
-
      
30,832
      
-
      
30,832
  
FHLBNY term advances
    
19,310
      
-
      
20,235
      
-
      
20,235
  
Accrued interest payable
    
237
      
15
      
222
      
-
      
237
  
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
  

   
Fair Value Measurements at December 31, 2013 Using
Financial Assets:
  
Carrying Amount
    
Quoted Prices
in Active Markets
for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
    
Estimated Fair Value (1)
  
Cash and due from financial institutions
  
$
31,600
    
$
31,600
    
$
-
    
$
-
    
$
31,600
  
Interest-bearing deposits in other
  financial institutions
    
20,009
      
20,009
      
-
      
-
      
20,009
  
Trading assets
    
366
      
366
      
-
      
-
      
366
  
Securities available for sale
    
346,016
      
38,541
      
307,475
      
-
      
346,016
  
Securities held to maturity
    
6,495
      
-
      
6,930
      
-
      
6,930
  
FHLBNY and FRBNY stock
    
4,482
      
-
      
-
      
-
      
N/A
 
Loans, net
    
983,090
      
-
      
-
      
1,008,826
      
1,008,826
  
Loans held for sale
    
695
      
-
      
695
      
-
      
695
  
Accrued interest receivable
    
4,166
      
145
      
1,468
      
2,553
      
4,166
  
                                         
Financial liabilities:
                                        
Deposits:
                                        
Demand, savings, and insured money market accounts
  
$
1,021,764
    
$
1,021,764
    
$
-
    
$
-
    
$
1,021,764
  
Time deposits
    
244,492
      
-
      
245,482
      
-
      
245,482
  
Securities sold under agreements
  to repurchase
    
32,701
      
-
      
33,636
      
-
      
33,636
  
FHLBNY Advances
    
25,243
      
-
      
26,064
      
-
      
26,064
  
Accrued interest payable
    
336
      
15
      
170
      
151
      
336
  
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

F-51

(17)            REGULATORY CAPITAL REQUIREMENTS

The Corporation and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Corporation and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets (all as defined in the applicable regulations).  Management believes that, as of December 31, 2014 and 2013, the Corporation and the Bank met all capital adequacy requirements to which they were subject.

As of December 31, 2014, the most recent notification from the Federal Reserve Bank of New York categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below.  There have been no conditions or events since that notification that management believes have changed the Bank's or the Corporation's capital category.

The Corporation’s principal source of funds for dividend payments is dividends received from the Bank.  Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies.  Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net income, combined with the retained net income of the preceding two years, subject to the capital requirements in the table below.  During 2015, the Bank could, without prior approval, declare dividends of approximately $13.6 million plus any 2015 net income retained to the date of the dividend declaration.

The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (amounts in thousands):
   
Actual
    
Required To Be Adequately Capitalized
    
Required To Be Well
Capitalized
  
As of December 31, 2014
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total Capital (to Risk Weighted Assets):
    
     Consolidated
  
$
129,211
      
11.84
%
  
$
87,271
      
8.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
123,685
      
11.35
%
  
$
87,178
      
8.00
%
  
$
108,972
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                                                
     Consolidated
  
$
115,483
      
10.59
%
  
$
43,636
      
4.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
110,014
      
10.10
%
  
$
43,589
      
4.00
%
  
$
65,383
      
6.00
%
Tier 1 Capital (to Average Assets):
                                                
     Consolidated
  
$
115,483
      
7.78
%
  
$
44,556
      
3.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
110,014
      
7.41
%
  
$
44,512
      
3.00
%
  
$
74,187
      
5.00
%


As of December 31, 2013
  
   
   
   
   
   
 
Total Capital (to Risk Weighted Assets):
  
   
   
   
   
   
 
     Consolidated
  
$
126,299
      
12.10
%
  
$
83,484
      
8.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
121,222
      
11.63
%
  
$
83,369
      
8.00
%
  
$
104,211
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                                                
     Consolidated
  
$
110,260
      
10.57
%
  
$
41,742
      
4.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
105,239
      
10.10
%
  
$
41,684
      
4.00
%
  
$
62,527
      
6.00
%
Tier 1 Capital (to Average Assets):
                                                
     Consolidated
  
$
110,260
      
8.08
%
  
$
40,940
      
3.00
%
    
N/A
 
    
N/A
 
     Bank
  
$
105,239
      
7.72
%
  
$
40,900
      
3.00
%
  
$
68,167
      
5.00
%




F-52

(18)            ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS

Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.

The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (amounts in thousands):

   
Unrealized Gains and Losses on Securities Available for Sale
    
Defined Benefit and Other Benefit Plans
    
Total
  
Balance at December 31, 2013
  
$
6,043
    
$
(5,888
)
  
$
155
  
Other comprehensive income (loss) before
  reclassification
    
146
      
(5,221
)
    
(5,075
)
Amounts reclassified from accumulated other
  comprehensive income (loss)
    
(4,229
)
    
364
      
(3,865
)
Net current period other comprehensive loss
    
(4,083
)
    
(4,857
)
    
(8,940
)
Balance at December 31, 2014
  
$
1,960
    
$
(10,745
)
  
$
(8,785
)

   
Unrealized Gains and Losses on Securities Available for Sale
    
Defined Benefit and Other Benefit Plans
    
Total
  
Balance at December 31, 2012
  
$
8,023
    
$
(10,830
)
  
$
(2,807
)
Other comprehensive income (loss) before
  reclassification
    
(1,988
)
    
3,994
      
2,006
  
Amounts reclassified from accumulated other
  comprehensive income (loss)
    
8
      
948
      
956
  
Net current period other comprehensive loss
    
(1,980
)
    
4,942
      
2,962
  
Balance at December 31, 2013
  
$
6,043
    
$
(5,888
)
  
$
155
  

The following is the reclassification out of accumulated other comprehensive income (loss) for the periods indicated (amounts in thousands):
Details about Accumulated Other Comprehensive Income (Loss) Components
  
Year Ended December 31,
  
Affected Line Item
 in the Statement Where
Net Income is Presented
   
2014
    
2013
    
Unrealized gains and losses on securities
  available for sale:
              
Reclassification adjustment for other-than-
  temporary losses realized in income
  
$
-
    
$
9
  
Total impairment losses
Realized gains on securities available for sale
    
(6,869
)
    
(16
)
Net gains on securities transactions
Tax effect
    
2,640
      
(5
)
Income tax benefit (expense)
Net of tax
    
(4,229
)
    
8
    
                        
Amortization of defined pension plan
  and other benefit plan items:
                      
Prior service costs (a)
    
(90
)
    
(83
)
Pension and other employee benefits
Actuarial losses (a)
    
681
      
1,624
  
Pension and other employee benefits
Tax effect
    
(227
)
    
(593
)
Income tax benefit
Net of tax
    
364
      
948
    
Total reclassification for the period, net of tax
  
$
(3,865
)
  
$
956
    

(a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).

F-53

(19)            SEGMENT REPORTING

The Corporation manages its operations through two primary business segments:  core banking and wealth management services.  The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities.  The wealth management services segment provides revenues by providing trust and investment advisory services to clients.

Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments (amounts in thousands):

Year ended December 31, 2014
  
Core Banking
    
Wealth Management Group
    
Holding Company and Other
    
Consolidated Totals
  
Net interest income
  
$
49,556
    
$
-
    
$
12
    
$
49,568
  
Provision for loan losses
    
3,981
      
-
      
-
      
3,981
  
Net interest income after provision for loan losses
    
45,575
      
-
      
12
      
45,587
  
Other operating income
    
18,186
      
7,746
      
824
      
26,756
  
Legal settlements
    
-
      
4,250
      
-
      
4,250
  
Other operating expenses
    
49,997
      
5,355
      
875
      
56,227
  
Income (loss) before income tax expense
    
13,764
      
(1,859
)
    
(39
)
    
11,866
  
Income tax expense (benefit)
    
4,507
      
(715
)
    
(83
)
    
3,709
  
Segment net income (loss)
  
$
9,257
    
$
(1,144
)
  
$
44
    
$
8,157
  
 
                                
Segment assets
  
$
1,518,584
    
$
4,357
    
$
1,598
    
$
1,524,539
  
 
Year ended December 31, 2013
  
Core Banking
    
Wealth Management Group
    
Holding Company and Other
    
Consolidated Totals
  
Net interest income
  
$
46,621
    
$
-
    
$
10
    
$
46,631
  
Provision for loan losses
    
2,755
      
-
      
-
      
2,755
  
Net interest income after provision for loan losses
    
43,866
      
-
      
10
      
43,876
  
Other operating income
    
9,913
      
7,344
      
820
      
18,077
  
Other operating expenses
    
43,136
      
5,480
      
784
      
49,400
  
Income before income tax expense
    
10,643
      
1,864
      
46
      
12,553
  
Income tax expense (benefit)
    
3,139
      
717
      
(34
)
    
3,822
  
Segment net income
  
$
7,504
    
$
1,147
    
$
80
    
$
8,731
  
 
                                
Segment assets
  
$
1,469,482
    
$
4,943
    
$
1,718
    
$
1,476,143
  

Year ended December 31, 2012
  
Core Banking
    
Wealth Management Group
    
Holding Company and Other
    
Consolidated Totals
  
Net interest income
  
$
46,834
    
$
-
    
$
8
    
$
46,842
  
Provision for loan losses
    
828
      
-
      
-
      
828
  
Net interest income after provision for loan losses
    
46,006
      
-
      
8
      
46,014
  
Other operating income
    
9,597
      
6,827
      
764
      
17,188
  
Other operating expenses
    
40,550
      
5,389
      
856
      
46,795
  
Income (loss) before income tax expense
    
15,053
      
1,438
      
(84
)
    
16,407
  
Income tax expense (benefit)
    
4,954
      
553
      
(122
)
    
5,385
  
Segment net income
  
$
10,099
    
$
885
    
$
38
    
$
11,022
  
                                 
Segment assets
  
$
1,240,752
    
$
5,156
    
$
2,252
    
$
1,248,160
  


F-54


(20)            BRANCH ACQUISITION

On July 10, 2013, the Bank entered into an agreement with Bank of America to acquire six branch offices in Auburn, Cortland, Ithaca and Seneca Falls, New York.  Under the terms of the agreement, the Bank purchased the related branch premises and certain performing loans, and assumed the related deposits.  The transaction was completed on November 23, 2013.  The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
  
$
170,904
  
Loans
    
1,240
  
Bank premises and equipment
    
4,081
  
Core deposit intangible asset
    
2,155
  
Other assets
    
350
  
Total assets acquired
  
$
178,730
  
 
        
Deposits assumed
  
$
177,749
  
Time deposit premium
    
263
  
Other liabilities
    
718
  
Total liabilities assumed
  
$
178,730
  

The transaction was accounted for using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair values on the acquisition date.  Fair values are preliminary and in certain cases are subject to refinement for up to one year after the closing date of the acquisition as additional information relative to fair values becomes available.

The operating results of the acquired branch offices included in the Corporation’s consolidated statement of income for the year ended December 31, 2013 reflect only the amounts from the acquisition date through December 31, 2013.

The core deposit intangible asset of $2.2 million will be amortized on an accelerated basis over a period of approximately seven years.  The time deposit premium of $263 thousand will be accreted over the estimated remaining life of the related deposits as a reduction to interest expense.

Negative goodwill of $470 thousand was recorded as a gain from bargain purchase and was calculated as the purchase discount after adjusting for the fair value of net assets acquired.



























F-55

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 
CHEMUNG FINANCIAL CORPORATION
DATED:  MARCH 13, 2015
By: /s/ Ronald M. Bentley
 
Ronald M. Bentley, President and Chief Executive Officer
(Principal Executive Officer)

DATED:  MARCH 13, 2015
By: /s/ Karl F. Krebs
 
Karl F. Krebs, Chief Financial Officer and Treasurer
(Principal Financial and Accounting Officer)


Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been executed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

Signature
  
Title
  
Date
         
         
/s/ Larry H. Becker
  
Director
  
March 13, 2015
Larry H. Becker
        
         
/s/ Bruce W. Boyea
  
Director
  
March 13, 2015
Bruce W. Boyea
        
         
/s/ David J. Dalrymple
  
Director and Chairman of the Board
  
March 13, 2015
David J. Dalrymple
        
         
/s/ Robert J. Dalrymple
  
Director
  
March 13, 2015
Robert H. Dalrymple
        
         
/s/ Clover M. Drinkwater
  
Director
  
March 13, 2015
Clover M. Drinkwater
        
         
/s/ William D. Eggers
  
Director
  
March 13, 2015
William D. Eggers
        
         
/s/ Stephen M. Lounsberry, III
  
Director
  
March 13, 2015
Stephen M. Lounsberry, III
        
         
/s/ John F. Potter
  
Director
  
March 13, 2015
John F. Potter
        
         
/s/ Eugene M. Sneeringer, Jr.
  
Director
  
March 13, 2015
Eugene M. Sneeringer, Jr.
        
         
/s/ Robert L. Storch
  
Director
  
March 13, 2015
Robert L. Storch
        












F-56



(signature’s continued)

Signature
  
Title
  
Date
         
         
/s/ Richard W. Swan
  
Director
  
March 13, 2015
Richard W. Swan
        
         
/s/ G. Thomas Tranter, Jr.
  
Director
  
March 13, 2015
G. Thomas Tranter, Jr.
        
         
/s/ Thomas R. Tyrrell
  
Director
  
March 13, 2015
Thomas R. Tyrrell
        
         
/s/ Ronald M. Bentley
  
President and Chief Executive Officer
  
March 13, 2015
Ronald M. Bentley
        
         
/s/ Karl F. Krebs
  
Chief Financial Officer and Treasurer
  
March 13, 2015
Karl F. Krebs
        














































F-57
EXHIBIT INDEX
 
 
 
  Exhibit
The following exhibits are either filed with this Form 10-K or are incorporated herein by reference.  The Corporation’s Securities Exchange Act file number is 000-13888.
 
3.1
Certificate of Incorporation of Chemung Financial Corporation dated December 20, 1984 (as incorporated by reference to Exhibit 3.1 to Registrant's Form 10-K for the year ended December 31, 2007 filed with the Commission on March 13, 2008).
 
3.2
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated March 28, 1988 (as incorporated by reference to Exhibit 3.2 to Registrant's Form 10-K for the year ended December 31, 2007 filed with the Commission on March 13, 2008).
 
3.3
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated May 13, 1998 (as incorporated by reference to Exhibit 3.4 to Registrant’s Form 10-K for the year ended December 31, 2005 and filed with the Commission on March 15, 2006).
 
3.4
Amended and Restated Bylaws of Chemung Financial Corporation, as amended to December 17, 2014 (as incorporated by reference to Exhibit 3.1 to Registrant’s Form 8-K filed with the Commission on December 19, 2014).
 
4.1
Specimen Stock Certificate (filed as Exhibit 4.1 to Registrant's Form 10-K for the year ended December 31, 2002 and incorporated herein by reference).
 
10.1
Change of Control Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO (filed as Exhibit 10.1 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.2
Executive Severance Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO (filed as Exhibit 10.2 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.3
Chemung Financial Corporation 2014 Omnibus Plan and Component Plans (Chemung Financial Corporation Restricted Stock Plan, Chemung Financial Corporation Incentive Compensation Plan, Chemung Financial Corporation Directors’ Compensation Plan and Chemung Financial Corporation/Chemung Canal Trust Company Directors’ Deferred Fee Plan).  (Filed as Exhibits 10.1, 10.2, 10.3, 10.4 and 10.5 to Registrant’s Form S-8 filed with the SEC on January 27, 2015 and incorporated herein by reference).
 
10.4
Change of Control Agreement dated August 23, 2007 between Chemung Canal Trust Company and Melinda A. Sartori, Executive Vice President (filed as Exhibit 10.9 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
10.5
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Richard G. Carr, Executive Vice President (filed as Exhibit 10.11 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.6
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Louis C. DiFabio, Executive Vice President (filed as Exhibit 10.12 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.7
Change of Control Agreement dated April 8, 2011 between Chemung Canal Trust Company and Anders M. Tomson, President Capital Bank Division (filed as Exhibit 10.14 to Registrant’s Form 10-Q filed with the SEC on May 13, 2011 and incorporated herein by reference).
 
10.8
Change of Control Agreement dated November 7, 2011 between Chemung Canal Trust Company and Karen R. Makowski, Executive Vice President and Chief Administration and Risk Officer (filed as Exhibit 10.16 to Registrant’s Form 10-K on March 28, 2012 and incorporated herein by reference).
 
10.9
Change of Control Agreement dated October 16, 2013 between Chemung Canal Trust Company and Karl F. Krebs, Executive Vice President and Chief Financial Officer (filed as Exhibit 10.1 to Registrant’s Form 8-K filed with the SEC on October 17, 2013 and incorporated herein by reference).
 
21
Subsidiaries of the Registrant.*
 
23
Consent of Crowe Horwath LLP, Independent Registered Public Accounting Firm.*
 
31.1
Certification of President Chief Executive Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
31.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
32.1
Certification of President and Chief Executive Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
32.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
101.INS
Instance Document
 
101.SCH
XBRL Taxonomy Schema*
 
101.CAL
XBRL Taxonomy Calculation Linkbase*
 
101.DEF
XBRL Taxonomy Definition Linkbase*
 
101.LAB
XBRL Taxonomy Label Linkbase*
 
101.PRE
XBRL Taxonomy Presentation Linkbase*
 
*
Filed herewith.
EX-21 2 chmg10k123114exh21.htm SUBSIDIARIES OF THE REGISTRANT
EXHIBIT 21




CHEMUNG FINANCIAL CORPORATION


Subsidiary List



Name
State of Incorporation
Chemung Canal Trust Company
New York
   
CFS Group, Inc.
New York
EX-23 3 chmg10k123114exh23.htm CONSENT OF CROWE HORWATH LLP, INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
EXHIBIT 23

Consent of Independent Registered Public Accounting Firm




We consent to the incorporation by reference in the registration statement on Form S-8 (File No. 333-104663 and 333-201715), Form S-3 (File No. 333-185400) and registration statement on Form S-4 (File No. 333-171504) of Chemung Financial Corporation of our report dated March 13, 2015, related to the consolidated financial statements and effectiveness of internal control over financial reporting, appearing in this Annual Report on Form 10-K of Chemung Financial Corporation for the year ended December 31, 2014.






/s/ Crowe Horwath LLP
Livingston, New Jersey
 March 13, 2015
 EX-31.1 4 chmg10k123114exh31_1.htm CERTIFICATION OF PRESIDENT CHIEF EXECUTIVE OFFICER OF THE REGISTRANT PURSUANT TO RULE 13A-14(A) UNDER THE SECURITIES EXCHANGE ACT OF 1934
EXHIBIT 31.1


 CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934.

I, Ronald M. Bentley, certify that:

1.  I have reviewed this report on Form 10-K of Chemung Financial Corporation;

2.  Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f) for the registrant and have:
a)  designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)  designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)  evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)  disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5.  The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):
a)  all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)  any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.


Date:  March 13, 2015



By:         /s/ Ronald M. Bentley
President and Chief Executive Officer
(Principal Executive Officer)
 EX-31.2 5 chmg10k123114exh31_2.htm CERTIFICATION OF TREASURER AND CHIEF FINANCIAL OFFICER OF THE REGISTRANT PURSUANT TO RULE 13A-14(A) UNDER THE SECURITIES EXCHANGE ACT OF 1934
EXHIBIT 31.2


 CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934.

I, Karl F. Krebs, certify that:

1.  I have reviewed this report on Form 10-K of Chemung Financial Corporation;

2.  Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.  Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.  The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f) for the registrant and have:
a)  designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)  designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)  evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)  disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5.  The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):
a)  all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)  any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.


Date:  March 13, 2015



By:            /s/ Karl F. Krebs
Chief Financial Officer and Treasurer
(Principal Financial and Accounting Officer)
 EX-32.1 6 chmg10k123114exh32_1.htm CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER OF THE REGISTRANT PURSUANT TO RULE 13A-14(B) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. ?1350
EXHIBIT 32.1

CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(b) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. §1350.


The undersigned, the, President and Chief Executive Officer of Chemung Financial Corporation (the "Corporation"), hereby certifies that, to his knowledge on the date hereof:

(a)
the Annual Report on Form 10-K of the Corporation for the period ended December 31, 2014, filed on the date hereof with the Securities and Exchange Commission (the "Report") fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(b)
information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Corporation.


                           /s/ Ronald M Bentley
Ronald M. Bentley
President and Chief Executive Officer
March 13, 2015
 EX-32.2 7 chmg10k123114exh32_2.htm CERTIFICATION OF TREASURER AND CHIEF FINANCIAL OFFICER OF THE REGISTRANT PURSUANT TO RULE 13A-14(B) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. ?1350.
EXHIBIT 32.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(b) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. §1350.


The undersigned, the, Chief Financial Officer and Treasurer of Chemung Financial Corporation (the "Corporation"), hereby certifies that, to his knowledge on the date hereof:

(a)
the annual Report on Form 10-K of the Corporation for the period ended December 31,2014 , filed on the date hereof with the Securities and Exchange Commission (the "Report") fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(b)
information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Corporation.


                                  /s/ Karl F. Krebs
Karl F. Krebs
Chief Financial Officer and Treasurer
March 13, 2015
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font-family: 'Times New Roman', Times, serif; font-weight: bold;">FAIR VALUES</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.&#160; There are three levels of inputs that may be used to measure fair value:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-left: 50.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Level 1:</font> Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Credit cards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,757</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">712</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">249</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Commercial and agricultural:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Commercial and industrial</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">134</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">134</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,936</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; 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font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Commercial and agricultural:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 16px;"><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; 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font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Commercial mortgages:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Credit cards</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,757</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">712</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">249</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 2px; margin-left: 9pt; background-color: #cceeff; text-indent: -9pt;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">197,287</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Pension Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.&#160; The Pension Plan is a &#8220;qualified plan&#8221; under the IRS Code and therefore must be funded.&#160; Contributions are deposited to the Plan and held in trust.&#160; The Plan assets may only be used to pay retirement benefits and eligible plan expenses.&#160; The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.&#160; The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.&#160; Bonuses, overtime, commissions and dividends are excluded.&#160; The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.&#160; Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.&#160; Compensation for purposes of determining benefits under the Plan is reviewed annually.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Defined Contribution Profit Sharing, Savings and Investment Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.&#160; The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.&#160; The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.&#160; The plan&#8217;s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; 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Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">the cost of coverage. 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Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.&#160; The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Executive Supplemental Pension Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.&#160; The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.&#160; Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Executive Supplemental Pension Plan is a &#8220;non-qualified plan&#8221; under the Internal Revenue Service Code.&#160; Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.&#160; When payments come due under the Plan, cash is distributed from general assets. 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font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.&#160; The plan&#8217;s expense is the Corporation&#8217;s annual contribution plus interest credits</font>.</div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">11)</font><font style="font-size: 5.14pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">PENSION PLAN AND OTHER BENEFIT PLANS</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify;">Pension Plan</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation has a noncontributory defined benefit pension plan covering a majority of employees.&#160; The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation uses a December 31 measurement date for its pension plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation amended the Defined Benefit Pension Plan during 2010.&#160; New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.&#160; The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2014 and 2013 (amounts in thousands):</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Change in projected benefit obligation:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">2014</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">2013</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefit obligation at beginning of year</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,051</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,045</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,195</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,738</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,587</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Actuarial (gain) loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,064</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefits paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,489</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,378</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt;">Benefit obligation at end of year</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45,544</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,186</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Change in plan assets:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">2014</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,782</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37,239</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Actual return on plan assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,043</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefits paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Funded status</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,207</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,596</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; 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font-family: 'Times New Roman', Times, serif; text-align: justify;">The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk.&#160; The focus is on long-term capital appreciation and income generation. 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,170</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,170</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Total plan assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,782</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unfunded status</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; margin-left: 9pt; background-color: #cceeff; text-indent: -9pt;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.&#160; The Corporation has agreed to repurchase securities identical to those sold.&#160; The securities underlying the agreements are under the Corporation's control.</div></div> 1400000 131000 151000 80000 111031000 114383000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">WEALTH MANAGEMENT GROUP FEE INCOME</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">307,475</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Net periodic benefit cost</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefits paid</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Employer contribution</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; 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background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Balance at December 31, 2013</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,043</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5,888</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,865</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Net current period other comprehensive loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Times New Roman', Times, serif;">(4,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8,940</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; 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vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(10,745</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,807</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Other comprehensive income (loss) before reclassification</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; 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text-indent: -9pt;">Recognized loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(649</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,539</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(7,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6,409</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(61</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">178</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Recognized actuarial loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(10</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">Amortization of&#160; prior service benefit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 64%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Total recognized in other comprehensive income (loss) (before tax effect)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">271</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; 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font-style: italic; text-align: justify;">Restricted Stock Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation&#8217;s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation&#8217;s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.&#160; Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation&#8217;s common stock to or for the benefit of employees selected to participate in the Plan.&#160; Each officer of the Corporation, other than the Corporation&#8217;s chief executive officer, is eligible to participate in the Plan.&#160; Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.&#160; The maximum number of shares of the Corporation&#8217;s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year.&#160; Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.&#160; Except in the case of the participant&#8217;s death, disability, or in the event of a change in control, the participant&#8217;s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.&#160; The plan&#8217;s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Deferred Directors Fee Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.&#160; Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation&#8217;s common stock purchased on the deferral date.&#160; Cash deferrals will be paid into an interest bearing account and paid in cash.&#160; Units will be paid in shares of common stock.&#160; All directors&#8217; fees are charged to other operating expense in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Directors&#8217; 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and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.&#160;&#160; The maximum number of shares of Corporation&#8217;s common stock that may be granted under the Plan may not exceed 20,000 per year.&#160; The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">st</sup> of the calendar year.&#160; The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Incentive Compensation Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.&#160; The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.&#160; To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.&#160; The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.&#160; The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.&#160; The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.</div><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Non-qualified Deferred Compensation Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.&#160; Eligible employees are generally highly compensated employees and are designated by the Board from time to time.&#160; Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.&#160; The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.&#160; The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.</div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">(1)</font><font style="font-size: 5.14pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.</div><div><br /></div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%; border-collapse: collapse;"><tr><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Bank:&#160; Chemung Canal Trust Company</div></td><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">FRBNY:&#160; Federal Reserve Bank of New York</div></td></tr><tr style="height: 15px;"><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">CDO: Collateralized Debt Obligation</div></td><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Freddie Mac:&#160; Federal Home Loan Mortgage Corporation</div></td></tr><tr><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporation: Chemung Financial Corporation</div></td><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">GAAP:&#160; U.S. generally accepted accounting principles</div></td></tr><tr><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">FASB:&#160; Financial Accounting Standards Board</div></td><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">OTTI:&#160; Other-than-temporary impairment</div></td></tr><tr><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">FDIC:&#160; Federal Deposit Insurance Corporation</div></td><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">PCI:&#160; Purchased credit impaired</div></td></tr><tr><td style="border-top: #000000 2px solid; border-right: #000000 2px solid; width: 50%; vertical-align: top; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">FHLBNY:&#160; Federal Home Loan Bank of New York</div></td><td style="border-top: #000000 2px solid; 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font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">ORGANIZATION</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.&#160; The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">BASIS OF PRESENTATION</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries.&#160; All significant intercompany balances and transactions are eliminated in consolidation.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information.&#160; These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">SECURITIES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management determines the appropriate classification of securities at the time of purchase.&#160; If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.&#160; Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.&#160; Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.&#160; For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.&#160; Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.&#160; For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.&#160; The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.&#160; OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank is a member of both the FHLBNY and the FRBNY.&#160; FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank&#8217;s capital stock and surplus.&#160; FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.&#160; Cash dividends are reported as income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">BANK OWNED LIFE INSURANCE</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.&#160; Changes in the cash surrender value are recorded in other income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">LOANS HELD FOR SALE</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Certain mortgage loans are originated with the intent to sell.&#160; Loans held for sale are recorded at the lower of cost or fair value in the aggregate.&#160; Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.&#160; If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">LOANS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Loans are stated at the amount of unpaid principal balance net of deferred loan fees.&#160; Additionally, recorded investment in loans includes interest receivable on loans.&#160; The Corporation has the ability and intent to hold its loans for the foreseeable future.&#160; The Corporation&#8217;s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation&#8217;s market area in a diverse range of industries.&#160; These loans are typically made on the basis of the borrower&#8217;s ability to make repayment from the cash flow of the borrower&#8217;s business.&#160; Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.&#160; Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.&#160; Residential mortgage loans are generally made on the basis of the borrower&#8217;s ability to make repayment from their employment and other income, but are secured by real property.&#160; Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.&#160; Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower&#8217;s continuing financial stability.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Interest on loans is accrued and credited to operations using the interest method.&#160; Past due status is based on the contractual terms of the loan.&#160; The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.&#160; Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.&#160; All payments received on non-accrual loans are applied to principal.&#160; Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.&#160; Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">ACQUIRED LOANS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Non-Impaired Acquired Loans:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.&#160; After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.&#160; Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Purchased Credit Impaired Loans:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans&#160; These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller&#8217;s allowance for loan losses.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Such purchased loans are accounted for individually.&#160; The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).&#160; The excess of the loan&#8217;s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">After acquisition, losses are recognized by an increase in the allowance for loan losses.&#160; Over the life of the loan expected cash flows continue to be estimated.&#160; If the present value of expected cash flows is less than the carrying amount, a reserve is established.&#160; If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.&#160; These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">TROUBLED DEBT RESTRUCTURINGS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower&#8217;s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.&#160; Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.&#160; Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">ALLOWANCE FOR LOAN LOSSES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.&#160; The allowance is established based on management&#8217;s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.&#160; Specific valuation allowances are established based on management&#8217;s analyses of individually impaired loans.&#160; Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.&#160; Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.&#160; If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.&#160; Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.&#160; For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.&#160; This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.&#160; These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank&#8217;s loan review system and the degree of oversight by the Bank&#8217;s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank&#8217;s current portfolio and (10) the impact of the global economy.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance for loan losses is increased through a provision for loan losses charged to operations.&#160; Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.&#160; Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.&#160; While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.&#160; In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">PREMISES AND EQUIPMENT</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.&#160; Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">OTHER REAL ESTATE</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.&#160; Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.&#160; Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">INCOME TAXES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.&#160; Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.&#160; A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.&#160; The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.&#160; For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">WEALTH MANAGEMENT GROUP FEE INCOME</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.&#160; The unaudited market value of trust assets under administration total $1.956 billion at December 31, 2014 and $1.888 billion at December 31, 2013.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">POSTRETIREMENT BENEFITS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Pension Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.&#160; The Pension Plan is a &#8220;qualified plan&#8221; under the IRS Code and therefore must be funded.&#160; Contributions are deposited to the Plan and held in trust.&#160; The Plan assets may only be used to pay retirement benefits and eligible plan expenses.&#160; The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.&#160; The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.&#160; Bonuses, overtime, commissions and dividends are excluded.&#160; The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.&#160; Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.&#160; Compensation for purposes of determining benefits under the Plan is reviewed annually.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Defined Contribution Profit Sharing, Savings and Investment Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.&#160; The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.&#160; The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.&#160; The plan&#8217;s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Defined Benefit Health Care Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.&#160; This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus </font>BlueCross BlueShield<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.&#160; The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Executive Supplemental Pension Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.&#160; The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.&#160; Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Executive Supplemental Pension Plan is a &#8220;non-qualified plan&#8221; under the Internal Revenue Service Code.&#160; Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.&#160; When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Defined Contribution Supplemental Executive Retirement Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.&#160; The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank&#8217;s Defined Benefit Plan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.&#160; The plan&#8217;s expense is the Corporation&#8217;s annual contribution plus interest credits</font>.</div><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">STOCK-BASED COMPENSATION</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Restricted Stock Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation&#8217;s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation&#8217;s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.&#160; Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation&#8217;s common stock to or for the benefit of employees selected to participate in the Plan.&#160; Each officer of the Corporation, other than the Corporation&#8217;s chief executive officer, is eligible to participate in the Plan.&#160; Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.&#160; The maximum number of shares of the Corporation&#8217;s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year.&#160; Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.&#160; Except in the case of the participant&#8217;s death, disability, or in the event of a change in control, the participant&#8217;s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.&#160; The plan&#8217;s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Deferred Directors Fee Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.&#160; Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation&#8217;s common stock purchased on the deferral date.&#160; Cash deferrals will be paid into an interest bearing account and paid in cash.&#160; Units will be paid in shares of common stock.&#160; All directors&#8217; fees are charged to other operating expense in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: justify;">Directors&#8217; Compensation Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The purpose of the Directors&#8217; Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.&#160; The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.&#160; The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation&#8217;s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.&#160;&#160; The maximum number of shares of Corporation&#8217;s common stock that may be granted under the Plan may not exceed 20,000 per year.&#160; The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">st</sup> of the calendar year.&#160; The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Incentive Compensation Plan:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.&#160; The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.&#160; 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font-family: 'Times New Roman', Times, serif;">1,149</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 9pt; text-indent: -9pt;">After ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt; text-indent: -9pt;">Total</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">515</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,654</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99,591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014. Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013. Amount less than $0.1 million Cash basis interest income approximates interest income recognized. (a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information). Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $342 thousand at December 31, 2014. 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evaluated for impairment Financing Receivable, Individually Evaluated for Impairment Current Ending balance Beginning balance: Financing Receivable, Allowance for Credit Losses Risk Category of Recorded Investment of Loans by Class of Loans Class of Financing Receivable [Axis] Class of Financing Receivable [Axis] Loans collectively evaluated for impairment Financing Receivable, Collectively Evaluated for Impairment Collectively evaluated for impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 2018 Expected useful life Amortization period Intangible assets acquired 2020 and thereafter Finite-Lived Intangible Assets [Line items] Remaining estimated aggregate amortization expense [Abstract] Accumulated Amortization Total Finite-Lived Intangible Assets, Net Finite-Lived Intangible Assets, Major Class Name [Domain] Finite-Lived Intangible Assets by Major Class [Axis] 2015 2019 2016 2017 Other real estate owned expenses Foreign Bonds, Notes & Debentures [Member] Foreign Corporate Debt Securities [Member] Loss on disposal of fixed assets Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property Proceeds from Sales and Calls of Securities Resulting in Gains or Losses Income from liquidation of debt securities Net gains on securities transactions Net gains on securities transactions Net losses on securities transactions Net gain on sales of loans held for sale Gains on sales of loans held for sale, net Gain (Loss) on Sales of Loans, Net Net gains (losses) on sales of other real estate owned Net (gains) losses on sale of other real estate owned Gains (Losses) on Sales of Other Real Estate Goodwill End of period Beginning of year GOODWILL AND INTANGIBLE ASSETS GOODWILL AND INTANGIBLE ASSETS Goodwill and Intangible Assets Disclosure [Text Block] Goodwill [Roll Forward] GOODWILL AND INTANGIBLE ASSETS [Abstract] Intangible Assets [Abstract] Acquired goodwill Fair Value [Abstract] Held-to-maturity Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract] After Five, But Within Ten Years Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount After Ten Years Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount After Five, But Within Ten Years Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value Amortized Cost and Estimated Fair Value of Securities Held to Maturity Amortized Cost [Abstract] Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract] Amortized cost and estimated fair value of securities held to maturity [Abstract] Held-to-maturity Securities [Abstract] Within One Year Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Fair Value After One, But Within Five Years Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value Unrealized Gains Held-to-maturity Securities, Accumulated Unrecognized Holding Gain After Ten Years Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value Securities held to maturity, estimated fair value of $6,197 at December 31, 2014 and $6,930 at December 31, 2013 Amortized Cost Securities held to maturity Unrealized Losses Held-to-maturity Securities, Accumulated Unrecognized Holding Loss After One, But Within Five Years Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount Contractual maturity of securities held to maturity [Abstract] Within One Year Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount Fair Value Estimated Fair Value Securities held to maturity, estimated fair value Interest Income Recognized [Abstract] Impaired Financing Receivable, Interest Income, Accrual Method [Abstract] With no related allowance recorded Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method With an allowance recorded Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Average Recorded Investment [Abstract] Unpaid Principal Balance [Abstract] Summary of Impaired Financing Receivables With an allowance recorded Impaired Financing Receivable, with Related Allowance, Recorded Investment With an allowance recorded Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method Total Impaired Financing Receivable, Average Recorded Investment With no related allowance recorded Total Impaired Financing Receivable, Unpaid Principal Balance Total Impaired Financing Receivable, Recorded Investment With no related allowance recorded Impaired Financing Receivable, with No Related Allowance, Recorded Investment Impaired loan valuation allowance Allowance for Loan Losses Allocated With no related allowance recorded Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment Principal balance of impaired loans With an allowance recorded Total Impaired Financing Receivable, Interest Income, Accrual Method Recorded Investment [Abstract] Impaired Financing Receivable, Recorded Investment [Abstract] Net impairment loss recognized on investment securities Total impairment losses Equity in undistributed earnings CONSOLIDATED STATEMENTS OF INCOME [Abstract] STATEMENTS OF INCOME [Abstract] Income (loss) before income tax expense Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income before income tax Income (Loss) from Continuing Operations before Income Taxes, Extraordinary Items, Noncontrolling Interest INCOME TAXES [Abstract] Income tax expense Income tax expense Income tax benefit (expense) Income tax benefit Dividend exclusion Effective Income Tax Rate Reconciliation, Deduction, Dividends, Amount INCOME TAXES Income Tax Disclosure [Text Block] Reconciliation of income tax expense [Abstract] Nondeductible interest expense Income Taxes Tax computed at statutory rate State taxes, net of Federal impact Other items, net INCOME TAXES Income Tax, Policy [Policy Text Block] Tax-exempt interest Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts Change in dividend receivable Increase (Decrease) in Dividends Receivable Increase in other liabilities Change in other liabilities Decrease in accrued interest payable (Increase) decrease in other assets Change in other assets Increase (Decrease) in Other Operating Assets Net decrease in time deposits Increase (Decrease) in Shareholders' Equity [Roll Forward] Data processing expense Receivable for insurance proceeds Other intangible assets, net Interest and Dividend Income: Loans, including fees Interest and dividend income Accrued interest payable Interest Expense: Total interest expense Interest Expense Total interest and dividend income Interest and Dividend Income, Operating Accrued interest and other assets Interest Receivable and Other Assets Deposits Interest Expense, Deposits Borrowed funds Interest Expense, Borrowings Interest-bearing deposits Securities sold under agreements to repurchase Interest Expense, Securities Sold under Agreements to Repurchase Interest expense on time deposits Interest Expense, Time Deposits Net interest income Net interest income Interest Income (Expense), Net Net interest income after provision for loan losses Interest Income (Expense), after Provision for Loan Loss Interest Accrued interest receivable Interest receivable on loans Taxable securities Interest-bearing Interest-bearing deposits in other financial institutions Tax exempt securities Internal Credit Assessment [Axis] Internal Credit Assessment [Domain] SECURITIES Investment in subsidiary SECURITIES [Abstract] SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Federal Home Loan Bank term advances FHLBNY term advances Land [Member] Leasehold Improvements [Member] Legal settlements Leverage Ratios [Abstract] Total liabilities and shareholders' equity Liabilities and Equity Total liabilities Liabilities LIABILITIES AND SHAREHOLDERS' EQUITY Liabilities and shareholders' equity: Litigation Status [Domain] Litigation Case Type [Domain] Litigation Status [Axis] Litigation Case [Axis] Loan expense Loans individually evaluated for impairment [Abstract] LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract] Allowance for loan losses Total ending allowance balance Loans and Leases Receivable, Allowance ALLOWANCE FOR LOAN LOSSES Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] New loans or additional advances Loans and Leases Receivable, Related Parties, Additions Loans, net of deferred loan fees Total loans, net of deferred loan fees Loans pledged as collateral Loans Pledged as Collateral Loans to Related Parties [Roll Forward] Composition of loan portfolio [Abstract] Loans held for sale Residential mortgages held for sale TROUBLED DEBT RESTRUCTURINGS Loans, net Loans, net Loans and Leases Receivable, Net Amount OTHER REAL ESTATE Repayments Loans and Leases Receivable, Related Parties, Collections LOANS AND ALLOWANCE FOR LOAN LOSSES Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Total impaired loans/ other real estate owned, net Loans Receivable, Fair Value Disclosure Loss Contingencies [Table] Damages and disallowed trustee's commissions claimed Loss Contingency, Damages Sought, Value Loss Contingencies [Line Items] Number of legal proceedings Loss Contingency, Pending Claims, Number Major Types of Debt Securities [Domain] Major Types of Debt and Equity Securities [Axis] Major Types of Debt and Equity Securities [Domain] Third Party Appraisals [Member] Market Approach Valuation Technique [Member] TRADING ASSETS Marketable Securities, Trading Securities, Policy [Policy Text Block] Marketing and advertising expense Scheduled maturities of time deposits [Abstract] After 90 Days But Within One Year [Member] Maximum [Member] Minimum [Member] Mortgage-backed securities, residential Non-Performing [Member] CASH FLOWS FROM FINANCING ACTIVITIES: Cash flow from financing activities: Net income Net income Net of tax Net income CASH FLOWS FROM OPERATING ACTIVITIES: Cash flows from operating activities: Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities, Continuing Operations Net cash provided by financing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations Net cash used by investing activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations CASH FLOWS FROM INVESTING ACTIVITIES: Assets acquired through long term capital lease obligation Non-interest-bearing Non-interest-bearing demand deposits Total other operating expenses Noninterest Expense Other Noninterest Income, Other Operating Income Total other operating income Other operating income Noninterest Income Other operating income: Other operating expenses: Balance at beginning of year Balance at end of year Notes Receivable, Related Parties Total Loans Financing Receivable, Net Number of operating segments Number of primary business segment Net occupancy expenses Equipment and Furniture [Member] 2019 Operating Leases, Future Minimum Payments, Due in Five Years Rent commitments, before considering renewal options [Abstract] Operating expenses 2018 Operating Leases, Future Minimum Payments, Due in Four Years 2017 Operating Leases, Future Minimum Payments, Due in Three Years Rent expense Operating Leases, Rent Expense, Net 2016 Operating Leases, Future Minimum Payments, Due in Two Years 2020 and thereafter Operating Leases, Future Minimum Payments, Due Thereafter Operating Segments [Member] 2015 Operating Leases, Future Minimum Payments Due, Next Twelve Months Total Operating Leases, Future Minimum Payments Due Rent Commitments, before Considering Renewal Options Reclassification adjustment for other-than-temporary losses realized in net income Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Loss, Net of Tax, Portion Attributable to Parent, Available-for-sale Securities Additional credit loss in OTTI recognized Impairment charge on investment securities Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities Net current period other comprehensive loss Other Comprehensive Income (Loss), Net of Tax Reclassification adjustment gains realized in net income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Net gain (loss) arising during the period Net actuarial (gain) loss Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, before Tax Tax effect Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Tax Net impairment loss on investment securities Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net Total before tax effect Total recognized in other comprehensive income (loss) (before tax effect) Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Tax Other comprehensive income (loss) before reclassification Other Comprehensive Income (Loss), before Reclassifications, Net of Tax Reclassification adjustment for amortization of net actuarial loss Recognized actuarial loss Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax Change in funded status of defined benefit pension plan and other benefit plans: Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, before Reclassification Adjustments, Tax [Abstract] Net unrealized (losses) gains Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax Net of tax amount Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Reclassification adjustment for amortization of prior service costs Amortization of prior service cost Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), before Tax Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Cash Flows Other Assets Other Assets Other than temporary impairment credit losses recognized in earnings [Roll Forward] Other than temporary impairment [Abstract] Other than Temporary Impairment Losses, Investments, Available-for-sale Securities, Reportable Items [Abstract] Executive Supplemental Pension Plan [Member] Reductions for previous credit losses realized on securities sold during the year Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis Amounts related to credit loss for which an other-than-temporary impairment was not previously recognized Beginning balance Ending balance Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held Roll Forward of Cumulative Credit Losses Recognized in Earnings Other comprehensive income (loss): Other Comprehensive Income (Loss), Net of Tax [Abstract] Other operating expenses Other Expenses Unrealized holding (losses) gains on securities available for sale Other Other Noninterest Expense Other income Other liabilities Defined Benefit Health Care Plan [Member] Other Postretirement Benefit Plan [Member] Outstanding balance of OREO Other Real Estate, Foreclosed Assets, and Repossessed Assets Other comprehensive income (loss) Total other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Tax effect Other Comprehensive Income (Loss), Available-for-sale Securities, Tax, Portion Attributable to Parent Net of tax amount Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent Performing [Member] Recorded Investment in Past Due and Non-Accrual Status by Class of Loans Pass [Member] Parent Company [Member] Purchase of trading assets Payments to Acquire Trading Securities Held-for-investment Purchase of treasury stock Payments for Repurchase of Common Stock Net increase in loans Payments for (Proceeds from) Loans and Leases Loans originated and held for sale Payments for Origination and Purchases of Loans Held-for-sale Purchases of securities available for sale Payments to Acquire Available-for-sale Securities Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchase of Federal Home Loan Bank and Federal Reserve Bank stock Payments to Acquire Federal Reserve Bank Stock Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Purchases of securities held to maturity Payments to Acquire Held-to-maturity Securities Cash dividends paid Payments of Dividends Pending Litigation [Member] POSTRETIREMENT BENEFITS PENSION PLAN AND OTHER BENEFIT PLANS Pension and Other Postretirement Benefits Disclosure [Text Block] Pension and other employee benefits Pension and Other Postretirement Benefit Expense Pension Plan [Member] Pension Plan [Member] Plan Name [Domain] Plan Asset Categories [Domain] Plan Name [Axis] Amortized Cost Pledged Financial Instruments, Not Separately Reported, Securities Securities pledged to secure securities sold under agreements to repurchase [Abstract] Portion at Fair Value Measurement [Member] [Default] RECLASSIFICATION Proceeds from sales of trading assets Net decrease in securities sold under agreements to repurchase Proceeds from maturities and principal collected on securities held to maturity Proceeds from bank owned life insurance Proceeds from sales of loans held for sale Proceeds from sale of securities Proceeds Proceeds from Sale of Available-for-sale Securities, Debt Proceeds from maturities and principal collected on securities available for sale Redemption of Federal Home Loan Bank and Federal Reserve Bank stock Proceeds from sales and calls of securities available for sale Proceeds from sale of other real estate owned Sale of treasury stock Proceeds from Sale of Treasury Stock Professional services Professional Fees PREMISES AND EQUIPMENT Property, Plant and Equipment, Policy [Policy Text Block] Estimated useful lives Property, Plant and Equipment, Useful Life Premises and equipment, gross Property, Plant and Equipment, Gross Premises and equipment, net Property, Plant and Equipment, Net, Total PREMISES AND EQUIPMENT [Abstract] Schedule of Premises and Equipment Property, Plant and Equipment, Type [Domain] Property, Plant and Equipment, Type [Axis] PREMISES AND EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] Premises and equipment [Abstract] Property, Plant and Equipment, Net, by Type [Abstract] Property, Plant and Equipment [Line Items] Provision for loan losses Provision Range [Axis] Range [Domain] Other real estate owned valuation allowance Reclassification out of Accumulated Other Comprehensive Income (loss) [Member] Reclassification out of Accumulated Other Comprehensive Income [Domain] Reclassification out of Accumulated Other Comprehensive Income [Axis] Reclassification Out Of Accumulated Other Comprehensive Income [Table] Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items] Reclassification Out of Accumulated Other Comprehensive Income Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] Amounts reclassified from accumulated other comprehensive income (loss) Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Reportable segments and reconciliation to consolidated results [Abstract] REGULATORY CAPITAL REQUIREMENTS Regulatory Capital Requirements under Banking Regulations [Text Block] REGULATORY CAPITAL REQUIREMENTS [Abstract] RELATED PARTY TRANSACTIONS Related Party Transactions Disclosure [Text Block] Deposit Liabilities Related Party Deposit Liabilities Related Party Transactions [Line Items] Related Party Transaction [Line Items] RELATED PARTY TRANSACTIONS [Abstract] Repayments of Federal Home Loan Bank long term advances Repayments of Federal Home Loan Bank Borrowings Payments made on capital lease Repayments of Long-term Capital Lease Obligations SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Repurchase Agreements, Resale Agreements, Securities Borrowed, and Securities Loaned Disclosure [Text Block] SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Repurchase and Resale Agreements Policy [Policy Text Block] Mortgage-Backed Securities, Residential [Member] Residential Mortgage Backed Securities [Member] Residential Mortgages [Member] Residential Portfolio Segment [Member] Reserve requirement Expense to employee restricted stock awards Restricted Stock [Member] Retained earnings Retained Earnings [Member] WEALTH MANAGEMENT GROUP FEE INCOME Risk Based Ratios [Abstract] Substandard [Member] Award vesting percentage (in hundredths) Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage Schedule of Remaining Estimated Aggregate Amortization Expense Schedule of Acquired Finite-Lived Intangible Asset by Major Class [Table] Schedule of Assets Acquired and Deposits Assumed in Transaction Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block] Schedule of Financing Receivable, Allowance for Credit Losses [Table] Schedule of Available-for-sale Securities [Table] Schedule of Impaired Financing Receivable [Table] Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Components of Net Periodic Benefit Cost Schedule of Net Benefit Costs [Table Text Block] Schedule of Acquired Intangible Assets Change in Plan Assets Schedule of Changes in Fair Value of Plan Assets [Table Text Block] Target Assets Allocations Schedule of Allocation of Plan Assets [Table Text Block] Components of Income Tax Expense Attributable to Income from Operations Parent Company Statement of Financial Position Condensed Balance Sheet [Table Text Block] Schedule of Future Minimum Lease Payments for Capital Leases Schedule of Future Minimum Lease Payments for Capital Leases [Table Text Block] Weighted-Average Assumption for Disclosure of Health Care Cost Trend Schedule of Health Care Cost Trend Rates [Table Text Block] Reconciliation of Income Tax Expense Deferred Tax Assets and Deferred Tax Liabilities Schedule of Capital Leased Assets Schedule of Capital Leased Assets [Table Text Block] Schedule of Finite-Lived Intangible Assets [Table] Amounts Expected to be Recognized in Net Periodic Cost Schedule of Financing Receivable Past Due [Table] Schedule of Assets Sold under Agreements to Repurchase [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Summary of Related Party Loans Summary of Changes in Accumulated Other Comprehensive Income or Loss by Component, Net of Tax Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Change in Benefit Obligation Effect of One-Percentage Point Change in Assumed Health Care Cost Trend Rates Parent Company Statement of Income Condensed Income Statement [Table Text Block] Summary of Restricted Stock Activity Parent Company Statement of Cash Flows Condensed Cash Flow Statement [Table Text Block] Investment Securities Available for Sale in Unrealized Loss Position Schedule of Unrealized Loss on Investments [Table Text Block] Schedule of Other Amounts Recognized in Other Comprehensive Income Schedule of Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block] Schedule of Available-for-sale Securities [Line Items] Schedule of Business Acquisitions, by Acquisition [Table] Estimated Benefit Payments Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Actual Capital Amounts and Ratios of Corporation and Bank Schedule of Condensed Financial Statements [Table] Fair Value of Plan Assets Schedule of Defined Benefit Plans Disclosures [Table Text Block] Schedule of Deferred Compensation Arrangement with Individual, Share-based Payments [Table] Schedule of Defined Benefit Plans Disclosures [Table] Contractual Amounts of Financial Instruments with Off-Balance Sheet Risk Schedule of Federal Home Loan Bank Advances, by Maturity Periods [Table] Schedule of Federal Home Loan Bank Advances, by Branch of FHLB Bank [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Securities Pledged to Secure Securities Sold under Agreements to Repurchase Schedule of Held-to-maturity Securities [Line Items] Schedule of Changes in Goodwill Schedule of Held-to-maturity Securities [Table] Summarized Financial Information Concerning Reportable Segments And Reconciliation To Consolidated Results Schedule of Related Party Transactions, by Related Party [Table] Summary of Securities Sold under Agreements to Repurchase Schedule of Property, Plant and Equipment [Table] Schedule of Segment Reporting Information, by Segment [Table] Schedule of Segment Reporting Information, by Segment [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Composition of Loan Portfolio by Type Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Securities sold under agreements to repurchase Balance at December 31 Securities Sold under Agreements to Repurchase Estimated Fair Value of Collateral Securities Estimated Fair Value Security Owned and Pledged as Collateral, Fair Value SEGMENT REPORTING [Abstract] Segment Reporting Information [Line Items] Segment Reporting [Abstract] Segment Reporting, Disclosure of Other Information about Entity's Reportable Segments [Abstract] SEGMENT REPORTING Segment [Domain] SEGMENT REPORTING Segment Reporting Disclosure [Text Block] Accrual for legal settlement Required service period Shares [Roll Forward] Granted (in shares) Granted (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Nonvested, beginning of period (in shares) Nonvested, end of period (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number STOCK-BASED COMPENSATION [Abstract] Share-based Compensation [Abstract] Vested (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Weighted-Average Grant Date Fair Value [Roll Forward] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Nonvested, beginning of period (in dollars per share) Nonvested, end of period (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Forfeitures or cancelled (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value Forfeited or cancelled (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Total fair value of shares vested Vested (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value Number of shares authorized per calendar year (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized STOCK-BASED COMPENSATION Award Type [Domain] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Standby Letters of Credit [Member] Standby Letters of Credit [Member] Statement [Table] Statement [Line Items] CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY [Abstract] CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract] CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] STATEMENTS OF CASH FLOWS [Abstract] Statement Equity Components [Axis] Equity Components [Axis] CONSOLIDATED BALANCE SHEETS [Abstract] BALANCE SHEETS [Abstract] Segments [Axis] Declarable dividends without prior approval for next fiscal year Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval Sale of shares of treasury stock (in shares) Stock Issued During Period, Shares, Treasury Stock Reissued Forfeit of shares of restricted stock awards (in shares) Stock Issued During Period, Shares, Restricted Stock Award, Forfeited Forfeit of restricted stock awards Stock Issued During Period, Value, Restricted Stock Award, Forfeitures Distribution of shares of treasury stock for employee compensation (in shares) Expense related to employee stock compensation Stock or Unit Option Plan Expense Sale of shares of treasury stock Distribution of shares of treasury stock for employee compensation Shareholders' equity: Stockholders' Equity Attributable to Parent [Abstract] Balances Balances Total shareholders' equity Total shareholders' equity SUBSEQUENT EVENTS Subsequent Events, Policy [Policy Text Block] Bank [Member] Supplemental disclosure of cash flow information: Tier One Leverage Capital Required To Be Well Capitalized to Average Assets (in hundredths) Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier One Leverage Capital to Average Assets (in hundredths) Tier One Leverage Capital to Average Assets Actual Tier One Risk Based Capital Actual Tier One Leverage Capital Tier One Risk Based Capital to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital to Risk Weighted Assets Tier One Risk Based Capital Required To Be Well Capitalized to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Required To Be Adequately Capitalized Tier One Leverage Capital Required for Capital Adequacy Required To Be Adequately Capitalized Tier One Risk Based Capital Required for Capital Adequacy Required To Be Well Capitalized Tier One Leverage Capital Required to be Well Capitalized Tier One Leverage Capital Required To Be Adequately Capitalized to Average Assets (in hundredths) Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier One Risk Based Capital Required To Be Adequately Capitalized to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier 1 Capital (to Average Assets) [Abstract] Required To Be Well Capitalized Tier One Risk Based Capital Required to be Well Capitalized Tier 1 Capital (to Risk Weighted Assets) [Abstract] 2018 Time Deposit Maturities, Year Four Time deposits Time deposits Time Deposits 2017 Time Deposit Maturities, Year Three Time deposits, $100,000 or more Time Deposits, $100,000 or More 2016 Time Deposit Maturities, Year Two 2019 Time Deposit Maturities, Year Five 2020 and thereafter Time Deposit Maturities, after Year Five 2015 Time Deposit Maturities, Next Twelve Months Title of Individual [Axis] Relationship to Entity [Domain] Trading assets, at fair value Trading assets Net gains on trading assets Trading Securities, Change in Unrealized Holding Gain (Loss) Transfer of loans to other real estate owned Financial Instruments [Domain] Purchase of shares of treasury stock Treasury Stock, Value, Acquired, Cost Method Purchase of shares of treasury stock (in shares) Treasury stock, at cost (in shares) Treasury Stock [Member] Treasury stock, at cost (680,948 shares at December 31, 2014; 707,674 shares at December 31, 2013) Treasury Stock, Value Loans by Class Modified as Troubled Debt Restructurings Trust Preferred Securities [Member] Trust Preferred Securities Subject to Mandatory Redemption [Member] Unallocated [Member] Accrued interest or penalties related to uncertain tax positions Unrecognized tax benefits Unrecognized Tax Benefits Unused Line of Credit [Member] Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member] US Government-sponsored Enterprises Debt Securities [Member] Obligations of States and Political Subdivisions [Member] U.S. Treasuries/Government Bonds [Member] US Treasury and Government [Member] Vesting [Axis] Vesting [Domain] Valuation Technique [Domain] Valuation Technique [Axis] Weighted average shares outstanding (in shares) Represents the financial gain of property claims arising from a sudden and unexpected event such as an accident. Casualty Gain Casualty gains Expenditures for salaries, incentive and share based compensation. Salaries And Incentive Compensation Salaries and wages Value of treasury stock issued during the period for directors' deferred compensation. Distribution Of Shares Of Treasury Stock For Directors Deferred Compensation Value Distribution of shares of treasury stock granted for directors' deferred compensation plan Value of treasury stock issued during the period for directors' compensation. Distribution Of Shares Of Treasury Stock For Directors Compensation Value Distribution of shares of treasury stock for directors' compensation Value of treasury stock issued during the period for employee restricted stock warrants. Distribution Share Of Treasury Stock For Employee Restricted Stock Warrants Distribution of shares of treasury stock granted for employee restricted stock awards, net Increase and decrease in value of stock units to be issued in the future. Restricted Stock Units For Directors Deferrred Compensation Plan Restricted stock units for directors' deferred compensation plan Number of treasury shares issued during the period for directors' deferred compensation. Distribution Of Shares Of Treasury Stock For Directors Deferred Compensation Shares Distribution of shares of treasury stock for directors' deferred compensation (in shares) Number of shares of treasury stock issued during the period for employee restricted stock awards. Distribution Of Treasury Stock For Employee Restricted Stock Awards Shares Distribution of shares of treasury stock granted for employee restricted stock awards (in shares) Number of treasury shares issued during the period for directors' compensation. Distribution Of Shares Of Treasury Stock For Directors Compensation Shares Distribution of shares of treasury stock for directors' compensation (in shares) Cash Paid During Year For [Abstract] Cash paid during the year for: Adjustments to prepaid FDIC assessments. (Increase) decrease in prepaid FDIC assessment Decrease in prepaid FDIC Assessment The noncash expense that represents the cost of stock awards distributed to employees. Expense Related To Employee Stock Awards Expense related to employee restricted stock awards The noncash expense that represents the cost of stock distributed to employees as compensation. Expense Related To Employee Stock Compensation Expense related to employee stock compensation The noncash expense that represents the cost of restricted stock distributed to Directors as compensation. Restricted Stock Expense Directors Deferred Compensation Plan Expense related to restricted stock units for directors' deferred compensation plan The cash inflow from a borrowing net of the cash outflow from repayment of a borrowing from Federal Home Loan Bank overnight advances. Proceeds from (Repayments of) FHLB Overnight Advances Proceeds from FHLB overnight advances, net The cash inflow associated with the acquisition of business during the period (for example, cash that was held by the acquired business). Cash Acquired from Acquisition, Business 1 Cash received acquisition of Bank of America branches The cash outflow associated with the acquisition of business during the period. The cash portion only of the acquisition price. Payments to Acquire Businesses 1 Cash paid Bank of America branches Amount of deposit with financial institutions that is insured by FDIC. FDIC Insurance Limit FDIC Insurance limit Amount of time deposits meeting or exceeding FDIC Insurance limit. Time Deposits Meeting or Exceeding FDIC Insurance Limit Time deposits meeting or exceeding FDIC Insurance limit Tabular disclosure of maturities of an entity's securities held to maturity. Securities Held To Maturity Classified by Contractual Maturity Date [Table Text Block] Contractual Maturities of Securities Held to Maturity Tabular disclosure of maturities of an entity's securities available for sale. Securities Available For Sale Classified by Contractual Maturity Date [Table Text Block] Amortized Cost and Estimated Fair Value of Debt Securities Available for Sale by Contractual Maturity Tabular disclosure of maturities of time deposits in denominations. Maturities of time deposits in denominations [Table Text Block] Maturities of Time Deposits in Denominations Tabular disclosure of deposit liabilities. Summary of deposits [Table Text Block] Summary of Deposits Tabular disclosure of the schedule of maturities of time deposits. Scheduled maturities of time deposits [Table Text Block] Scheduled Maturities of Time Deposits Time deposits with other financial institutions. Time Deposits with Other Financial Institutions [Member] Additions /Subtractions [Abstract] Additions/Subtractions [Abstract] This item represents an reduction of cumulative amount of credit losses realized on securities sold during the period. Other than temporary impairment reductions for previous credit losses realized on securities sold Reductions for previous credit losses realized in securities liquidated during the year Refers to the number of available-for-sale securities sold during the period. Available-for-sale Securities, Number of Securities Sold Number of securities sold This item represents an increase to the cumulative amount of credit losses recognized in earnings for an other than temporary impairment (OTTI) of a debt security held for which other than temporary impairment (OTTI) was previously recognized. Other Than Temporary Impairment Credit Losses Recognized In Earnings Additions when Impairment recognized previously Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized Investments in small business loans. SBA Loans [Member] SBA Loan Pools [Member] RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract] The entire disclosure for restrictions on cash and due from bank accounts. Restrictions On Cash And Due From Bank Accounts [Text Block] RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from directors' compensation. Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Directors Compensation Deferred compensation and directors' fees Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from purchase accounting adjustment for deposits acquired in merger. Deferred Tax Asset, Purchase Accounting Adjustment, Deposits Purchase accounting adjustment - deposits Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains on securities available for sale. Deferred Tax Liabilities Net unrealized gains on securities available for sale Net unrealized gains on securities available for sale Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from purchase accounting adjustment related to fixed assets. Deferred Tax Assets, Purchase Accounting Adjustment, Fixed Assets Purchase accounting adjustment - fixed assets Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from purchase accounting adjustment related to loans acquired in merger. Deferred Tax Assets, Purchase Accounting Adjustment, Loans Purchase accounting adjustment - loans Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from nonaccrued interest. Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Nonaccrued Interest Nonaccrued interest Amount of deferred tax liability attributable to taxable temporary differences from discount accretion. Deferred Tax Liabilities, Deferred Expense, Discount Accretion Discount accretion Preferred securities, that are issued by a consolidated trust to outside investors where the trust uses the proceeds of the issuance of those securities to purchase, from the financial institution that established the trust, an equivalent amount of junior subordinated debentures or other loans having stated maturities. Trust Preferred Securities [Member] Trust Preferred Securities Available for Sale [Member] This item represents the tax expense on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities. Tax Expense From Sale Of Available For Sale Securities Debt Tax expense Period of maturity for a group of securities or other assets sold under repurchase agreements which mature after one year but within five years. After One Year But Within Five Years [Member] Period of maturity for a group of securities or other assets sold under repurchase agreements which mature after five years but within ten years from the reporting date. After Five Years But Within Ten Years [Member] Information by securities or other assets sold under repurchase agreements, which do not include a call provision. Without Call Provisions [Member] Amount of interest payable on n the amount to be repaid to the counterparty to the repurchase agreement when the carrying amount (or market value, if higher than the carrying amount) of securities or other assets sold under the repurchase agreement exceeds 10 percent of total assets. Assets Sold under Agreements to Repurchase, Accrued Interest Payable Accrued Interest Payable Weighted average remaining contractual term for assets sold under repurchase agreements outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Securities Sold Under Repurchase Agreements Weight Average Remaining Term to Maturity Weight average remaining term to maturity Period of maturity for a group of securities or other assets sold under repurchase agreements which mature within 90 days from the reporting date. Maturity within 90 Days [Member] Within 90 Days [Member] For securities sold under repurchase agreements, interest accrued on interest earning assets that has not yet been received as of the balance sheet date. Securities Sold Under Repurchase Agreements Accrued Interest Receivable Accrued interest receivable included in fair value of repurchase agreements Summary of securities sold under agreements to repurchase [Abstract] Maximum month end carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos. Securities Sold Under Agreements To Repurchase, Maximum month end balance Maximum month-end balance Average balance over period for the carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos. Securities sold under repurchase agreements average balance during year Average balance during year Refers to the average interest rate paid during year on assets under repurchase agreement. Assets Sold under Agreements to Repurchase, Average Interest Rate Paid During Year Average interest rate paid during period (in hundredths) Tabular representation of Federal Home Loan Bank advances, including maturities, amounts, interest rate, maturity dates and other disclosures. Scheduled of Federal Home Loan Bank advances [Table Text Block] Schedule of Federal Home Loan Bank Advances Information by maturity period for advances due to the Federal Home Loan Bank, by Branch, as of the balance sheet date. Federal Home Loan Bank Advances, Maturity Periods [Axis] Summary of Federal Home Loan Bank fixed rate advances [Abstract] Date when the advance is scheduled to be fully repaid, in CCYY-MM-DD format. Federal Home Loan Bank Advances Maturity Date Maturity Date Discloses the earliest year of maturity for the advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date. Federal Home Loan Bank Advances Maturing Call date Call Date Periods of maturities for advances due to the Federal Home Loan Bank, by Branch, as of the balance sheet date. Federal Home Loan Bank Advances, Maturity Period [Domain] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing October 2, 2013 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loan. Federal Home Loan Bank Advances Maturing January 20, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing April 1, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing October 2, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing January 19, 2015 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing December 4, 2017 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing December 22, 2016 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing March 4, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing April 1, 2015 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing January 19, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing March 3, 2015 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing October 19, 2017 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing January 2, 2018 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing June 18, 2014 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing January 2, 2015 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank Advances Maturing October 20, 2014 [Member] Disclosure of accounting policy for establishing and maintaining Federal Home Loan Bank and Federal Reserve Bank stock. FEDERAL HOME LOAN BANK (FHLB) AND FEDERAL RESERVE BANK (FRB) STOCK [Policy Text Block] FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK Disclosure of accounting policy related to acquired loans which are categorized and recorded as non-impaired acquired loans and purchased credit impaired loans. ACQUIRED LOANS [Policy Text Block] ACQUIRED LOANS Disclosure of accounting policy for loans held for sale. Loans Held for Sale [Policy Text Block] LOANS HELD FOR SALE Disclosure of accounting policy for bank owned life insurance. Bank Owned Life Insurance [Policy Text Block] BANK OWNED LIFE INSURANCE Disclosure of accounting policy for establishing and maintaining other financial instruments. Other Financial Instruments [Policy Text Block] OTHER FINANCIAL INSTRUMENTS POSTRETIREMENT BENEFITS [Abstract] WEALTH MANAGEMENT GROUP FEE INCOME [Abstract] Refers to the intangible assets relating to legal organization set up for the control and management of assets and property. Trust Business [Member] First portion of share-based compensation award, vesting each year commencing with the first anniversary date of the award. Share-based Compensation Award, Vesting Each Year Commencing with First Anniversary Date of Award [Member] Awards Vesting Each Year Commencing with First Anniversary Date of Award [Member] Refers to Incentive Compensation Plan. Incentive Compensation Plan [Member] Number of trading days considered in valuing common stock . Trading days period Refers to the number of branches acquired during the period. Number of Branches Acquired Number of branches acquired Cash compensation which is paid under incentive compensation plan. Cash compensation Age limit applicable to forfeiture of stock, the stock is to be forfeited if the participant retires early. Age limit for forfeiture of stock award Age limit for forfeiture of stock award Third portion of share-based compensation award vesting on the fifth anniversary date. Share-based Compensation Award, Vesting on Fifth Anniversary Date [Member] Awards Vesting on Fifth Anniversary Date [Member] Items related to purchased Fort Orange Financial Corp. Fort Orange Financial Corp [Member] Items related to purchased Canton Bancorp, Inc. Canton Bancorp, Inc. [Member] Items related to purchased M&T Bank branch offices. M&T Bank branch offices [Member] M&T Bank Branch Offices [Member] Items related to the acquisitions of M&T bank branch offices and Canton Bancorp Inc. MT Branch Offices and Canton Bancorp, Inc. Member] [Member] MT Branch Offices and Canton Bancorp, Inc. Member] [Member] Items related to the purchase of Bank of America branch offices. Bank of America [Member] Bank of America Branch Offices [Member] Maximum annual installments period which can be opted by plan participants under Nonqualified Deferred Compensation Plan. Maximum annual installments period LOANS [Abstract] Refers to the rolling historical period of net losses used in evaluating general component of valuation allowance for loans not impaired but classified as substandard and special mention. Rolling historical period of net losses used in evaluating general component of valuation allowance for loans not impaired but classified as substandard and special mention Refers to the number of most recent years of actual loss history used in determining historical loss experience for all other unclassified loans. Number of most recent years of actual loss history used in determining historical loss experience for all other unclassified loans Refers to the number of consecutive months for which loans remain current before non-accrual loans are returned to accrual status. Number of consecutive months for which loans remain current before non-accrual loans are returned to accrual status Refers to the period of delinquency after which a loan is placed on non-accrual status. Period of delinquency after which a loan is placed on non-accrual status Items related to purchased Partners Trust Bank. Partners Trust Bank [Member] Name of the equity-based compensation arrangement plan, which is given to directors. Directors' Compensation Plan [Member] Minimum age for eligibility for coverage under self-insure health care plan, before amendment. Minimum age for eligibility before amendment Minimum eligible age Maximum period of credited service considered to apply excess of covered compensation for each year of credited service. Maximum period of credited service Percentage of contribution made under self-insure health care plan. Cost of coverage contribution Cost of coverage contribution (in hundredths) Refers to the percentage of average monthly compensation in excess of covered compensation for each year of credited service. Percentage of average monthly compensation in excess of covered compensation for each year of credited service Percentage of average monthly compensation in excess of covered compensation for each year of credited service (in hundredths) Percentage of contribution made under self-insure health care plan, before amendment. Contribution percentage before amendment Contribution percentage (in hundredths) Refers to maximum period considered in final average compensation. Maximum service period Percentage of premium to be paid by retiree under self-insure health care plan. Retiree premium percentage Retiree premium percentage (in hundredths) Refers consecutive period considered in final average compensation. Number of consecutive years considered in final average compensation Percentage of normal retirement benefit in terms of average monthly compensation resulting for each additional year. Normal Retirement Additional Benefit Normal retirement additional benefit (in hundredths) The period for covered compensation, which is average of social security taxable wage bases in effect. Covered compensation period Percentage of premium contribution made under self-insure health care plan. Premium contribution percentage after amendment Contribution percentage after amendment (in hundredths) Refers to maximum additional period considered in final average compensation, during which additional 1% of average monthly compensation for each additional year of service is added. Maximum additional service years Eligible age of current and future retirees to be continued under coverage of plan. Retiree age group range Retiree age group range Percentage of normal retirement benefit in terms of final average compensation resulting from maximum period of 25 years. Normal retirement benefit as percentage of final average compensation (in hundredths) Refers to prior period considered in consecutive period of final average compensation. Number of prior years considered in final average compensation Number of annual service hours for employees to be eligible to participate in the defined contribution plan or plans described. Defined Contribution Plan, Number Of Annual Service Hours For Eligibility Number of annual service hours required for eligibility (in hours) Percentage of contribution cost to be made by retirees, who are going to be continued under the coverage of plan. Contribution cost percentage Contribution cost percentage (in hundredths) A defined contribution profit sharing, savings and investment plan which covers all eligible employees sponsored by the company. Defined Contribution Profit Sharing, Savings and Investment Plan [Member] Portfolio segment of the company's total financing receivables related to commercial and agricultural receivables. Commercial and Agricultural Portfolio Segment [Member] Commercial and Agricultural [Member] Amount of recovery of (write-downs of) financing receivables doubtful of collection. Financing Receivable Allowance For Credit Losses net charge off Net recoveries (charge offs) Financing Receivable Allowance For Finance Receivable Evaluated For Impairment [Abstract] Loans [Abstract] Represents reclassification of acquired loan discount. Reclassification of Acquired Loan Discount Reclassification of acquired loan discount Financing Receivable Allowance For Credit Losses evaluated for impairment [Abstract] Allowance for loan losses [Abstract] Financing Receivable Allowance For Credit Losses Individually And Collectively Evaluated For Impairment [Abstract] Ending allowance balance attributable to loans [Abstract] Tabular disclosure of residential and consumer receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of residential and consumer receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. Residential and Consumer Receivable Credit Quality Indicators [Table Text Block] Recorded Investment in Residential and Consumer Loans Based on Payment Activity Tabular disclosure for balance of financing receivables and allowances for credit losses that were evaluated for impairment. Financing Receivable And Allowance For Credit Losses Evaluated For Impairment [Table Text Block] Allowance for Loan Losses and Recorded Investment in Loans Based on Impairment Method Class of financing receivables related to agricultural financing receivables. Agricultural [Member] Consumer loans obtained by a third party originator. Indirect Consumer Loans [Member] Financing receivables that are less than 90 days past due but more than 29 days past due. Financing Receivable Recorded Investment 30 To 89 Days Past Due 30-89 Days Past Due Financing arrangement that represents a contractual right to receive money either on demand or on fixed or determinable dates related to commercial and industrial. Commercial and Industrial [Member] Class of financing receivables related to home equity lines and loans. Home Equity Lines and Loans [Member] Refers to the number of days past due after which a loan is considered to be in payment default. Number of days past due after which a loan is considered to be in payment default Number of days past due after which a loan is considered to be in payment default Loans by class modified as troubled debt restructurings [Abstract] Trouble debt restructurings [Abstract] The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings and are on nonaccrual status as of the balance sheet date. Financing Receivable, Modifications, Recorded Investment, Nonaccrual Status Troubled debt restructurings on non-accrual status The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings and have been still accruing interest under the modified terms. Financing Receivable, Modifications, Recorded Investment, Still Accruing Troubled debt restructurings accruing interest under modified terms Represents additional amounts committed to customers with outstanding loans that are classified as troubled debt restructurings. Additional Amounts Committed to Customers with Loans Classified as Troubled Debt Restructurings Additional amounts committed to customers with loans classified as troubled debt restructurings For a designation as a related party, the threshold percentage of principal ownership in an entity, above which the party is considered a related party.. Related Party Principal Ownership Threshold Related party principal ownership threshold (in hundredths) Person serving on the board of directors (who collectively have responsibility for governing the entity) and highest ranking executive officer, who has ultimate managerial responsibility for the entity and who reports to the board of directors. Directors and President and Chief Executive Officer [Member] Refers to maturity period of the fixed-rate commitments to make loans. Maturity Period of Fixed-Rate Commitments to Make Loans Maturity period of fixed-rate commitments to make loans Description of interest rate type for financial instruments. Interest Rate Type [Axis] Refer to interest rate on fixed-rate commitments to make commercial draw notes. Interest Rate on Fixed-Rate Commitments to Make Commercial Draw Notes Interest rate on fixed-rate commitments to make commercial draw notes (in hundredths) Objections to final settlement of trust account filed by individuals who are beneficiaries under the trusts, objecting to the final settlement of the trust accounts. Objections to Final Settlement of Trust Account Two [Member] Represents the period, for which commitments are generally made to make real estate and home equity loans. Commitments period to make Real Estate and Home Equity loans Commitments period to make real estate and home equity loans For off-balance sheet financial instruments, the standard term for the agreement. Fair Value Off Balance Sheet Risks Financial Instrument Standard Term Off-balance sheet financial instruments, standard term Represents the period, for which commitments are generally made to make commercial draw notes. Commitments Period to Make Commercial Draw Notes Commitments period to make fixed-rate commercial draw notes Refer to interest rate on the fixed-rate commitments to make loans. Interest Rate on Fixed-Rate Commitments to Make Loans Interest rate on fixed-rate commitments to make loans (in hundredths) Objections to final settlement of trust account filed by individuals who are beneficiaries under the trusts, objecting to the final settlement of the trust accounts. Objections to Final Settlement of Trust Account One [Member] Description of interest rate type for financial instruments. Interest Rate Type [Domain] Financial instruments or contractual agreements with a variable interest rate. Variable Interest Rate [Member] Financial instruments or contractual agreements with a fixed interest rate. Fixed Interest Rate [Member] Refers to the number of stipulations reflecting the settlements submitted to Surrogate's Court. Number of Stipulations Submitted to Surrogate's Court Number of stipulations submitted to Surrogate's Court ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract] The entire disclosure for the components of accumulated other comprehensive income (loss). Accumulated Other Comprehensive Income (Loss) [Text Block] ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS Refers to the Impaired loans member. Impaired Loans [Member] Impaired Loans [Member] Refers to the Other real estate owned member. Other real estate owned [Member] Other Real Estate Owned [Member] OREO [Member] This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents investments in Obligations of U.S. Government and U.S. Government sponsored enterprises as of the balance sheet date which have been categorized as available-for-sale. Obligations of U.S. Government and U.S. Government sponsored enterprises, Fair Value Disclosure Obligations of U.S. Government and U.S. Government sponsored enterprises This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loan receivable as presented on the statement of financial position, for the commercial mortgages loans in the Residential mortgages sector which are due the Company as of the balance sheet date. Commercial Mortgage Loans, Residential Mortgages, Fair Value Disclosure Residential mortgages Commercial and Agricultural, Fair Value Disclosure [Abstract] Commercial and agricultural [Abstract] Commercial Mortgages, Fair Value Disclosure [Abstract] Commercial mortgages [Abstract] This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loan receivable as presented on the statement of financial position, for the commercial mortgages loans not other wise disclosed which are due the Company as of the balance sheet date. Commercial Mortgage Loans Other, Fair Value Disclosure Commercial mortgages other This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents trust preferred securities as of the balance sheet date which have been categorized as available-for-sale. Trust preferred securities, Fair Value Disclosure Trust Preferred securities This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents small business administration pool loans as of the balance sheet date which have been categorized as available-for-sale. Small Business Administration Pool Loans, Fair ValueDisclosure SBA loan pools This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents corporate stocks as of the balance sheet date which have been categorized as available-for-sale. Corporate stocks, Fair Value Disclosure Corporate stocks Consumer Loans, Fair Value Disclosure [Abstract] Consumer loans [Abstract] This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loan receivable as presented on the statement of financial position, for the home equity lines and loans not other wise disclosed which are due to the Company as of the balance sheet date. Home Equity Lines and Loans, Fair Value Disclosure Home equity lines and loans This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents collateralized mortgage obligations, as of the balance sheet date which have been categorized as available-for-sale. Collateralized mortgage obligations, Fair Value Disclosure Collateralized mortgage obligations This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents corporate bonds and notes as of the balance sheet date which have been categorized as available-for-sale. Corporate bonds and notes, fair value disclosure Corporate bonds and notes This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents obligations of states and political subdivisions as of the balance sheet date which have been categorized as available-for-sale. Obligations of states and political subdivisions, Fair Value Disclosure Obligations of states and political subdivisions This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loan receivable as presented on the statement of financial position, for the commercial and industrial sector which are due the Company as of the balance sheet date. Commercial and Industrial Loans, Fair Value Disclosure Commercial and industrial A segment of the Company that provides revenues by providing trust and investment advisory services to clients. Wealth Management Group Services [Member] A segment of the Company that provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation's local markets and to invest in securities. Core Banking [Member] Core Banking [Member] Defined Benefit Plan, Effect of One-Percentage Point Increase in Assumed Health Care Cost Trend Rates [Abstract] Effect of a 1% increase in health care trend rate on [Abstract] Defined Benefit Plan, Effect of One-Percentage Point Decrease in Assumed Health Care Cost Trend Rates [Abstract] Effect of a 1% decrease in health care trend rate on [Abstract] A Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers sponsored by the company. Defined Contribution Supplemental Executive Retirement Plan [Member] Amount of increase (decrease) in plan's total unrecognized net loss for benefit obligation amortization. Other Comprehensive Income, Defined Benefit Plans, Increase (Decrease) in Net Unamortized Gain Loss Arising During Period Net Of Tax Increase in unrecognized net loss The assumed health care cost trend rate for the next year used to measure the expected obligation for the cost of benefits covered by the plan (gross eligible charges). This is based upon the annual rate of change in the cost of health care benefits currently provided by the postretirement benefit plan, due to factors other than changes in the composition of the plan population by age and dependency status. Defined Benefit Plan Health Care Cost Trend Rate Assumed Obligation For Next Fiscal Year Health care cost trend: Initial (in hundredths) The ultimate trend rate for health care costs used in the calculation of benefit obligations. Defined Benefit Plan Ultimate Health Care Obligation Cost Trend Rate Health care cost trend: Ultimate (in hundredths) Year the ultimate health care cost trend rate is expected to be reached in the calculation of benefit obligations, in CCYY format. Defined Benefit Plan Year That Rate Reaches Ultimate Trend Rate Obligation Year ultimate cost trend reached Refers to the evaluation period for expected long-term return on plan assets for a defined benefit plan. Defined Benefit Plan, Expected Long Term Return on Plan Assets, Evaluation Period Evaluation period of expected long-term return on plan assets Refers to the balance of a defined contribution plan outstanding as of the balance sheet date. Defined Contribution Plan, Balance Outstanding Balance in the plan Refers to the average future working lifetime of active participants. Average future working lifetime of active participants Average future working lifetime of active participants Equity securities classified as Large Capitalization Domestic. Large Cap Domestic Equities [Member] Large-Cap Domestic Equities [Member] Investment securities classified as Intermediate Fixed Income. Intermediate Fixed Income [Member] Represents the alternative assets in which entity invests. Alternative Assets [Member] Ownership interests or the right to acquire ownership interests in corporations and other legal entities, within the domicile of reporting entity's country, which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable nor redeemable at the option of the holder), convertible securities, stock rights, or stock warrants categorized by other type not specified in taxonomy. Equity Securities Domestic [Member] Equity Securities - U.S. Companies [Member] Equity securities classified as Small Capitalization Domestic. Small Cap Domestic Equities [Member] Small-Cap Domestic Equities [Member] Equity securities classified as International issues. International Equities [Member] Equity securities classified as Mid-sized Capitalization Domestic. Mid Cap Domestic Equities [Member] Mid-Cap Domestic Equities [Member] Ownership interests or the right to acquire ownership interests in corporations and other legal entities, outside of the domicile of reporting entity's country, which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable nor redeemable at the option of the holder), convertible securities, stock rights, or stock warrants categorized by other type not specified in taxonomy. Equity Securities International [Member] Equity Securities - International Companies [Member] Amount of increase in plan's total unrecognized net loss threshold for benefit obligation amortization. Total Unrecognized Net Loss Increased Percentage of Obligation Amortization Threshold Unrecognized net gain or loss increase threshold percentage for amortization of obligation (in hundredths) For a defined contribution plan, the number of sponsoring entity common stock shares included in plan assets. Defined Contribution Plan Assets Entity Common Stock Chemung common stock included in defined contribution plan assets (in shares) Amount before tax, of the sum of net benefit cost and other comprehensive (income) loss related to pension and other postretirement defined benefit plans. Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Amount Recognized in Net Benefit Cost and Other Comprehensive (Income) Loss, before Tax Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) Tabular disclosure of the assumed health care cost trend rates for the next year used to measure the expected net periodic cost of benefits covered by the plans, including the ultimate trend rate(s) and when that rate is expected to be achieved. Schedule of Health Care Cost Trend Rates for Net Periodic Cost [Table Text Block] Weighted-Average Assumption for Net Periodic Cost Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans net benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets. Schedule of Assumptions Used In Determining Net Periodic Benefit Cost [Table Text Block] Assumptions Used in Determining Net Periodic Benefit Cost Tabular disclosure of the net gain (loss) and net prior service cost or credit recognized in accumulated other comprehensive income (loss) as of the balance sheet date for pension plans and/or other employee benefit plans. Schedule of Amounts Recognized in Accumulated Other Comprehensive Income (Loss) [Table Text Block] Amount Recognized in Accumulated Other Comprehensive Income Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets. Schedule of Assumptions Used In Determining Benefit Obligations [Table Text Block] Assumptions Used in Determining Benefit Obligation The set of legal entities associated with a report. Legal Entity Subsidiary [Axis] All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains. Entity Subsidiary [Domain] Subsidiary CFS Group Inc. CFS Group Inc. [Member] Subsidiary Chemung Canal Trust Company Chemung Canal Trust Company [Member] Sum of income from dividends from equity method investments, income taxes, extraordinary items, and noncontrolling interest. Income Loss From Dividends Of Subsidiary Bank Dividends from subsidiary bank Period of time over which net profits are accessed for determining dividends in accordance with capital requirements. Net Profits Period For Accessing Dividends Net profits period for accessing dividends declarable Document and Entity Information [Abstract] The amount of acquisition cost of a business combination allocated to time deposit. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Time Deposit Premium Time deposit premium The amount of acquisition cost of a business combination allocated to deposit. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Deposit Deposits assumed Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank and Federal Home Loan Bank (FHLB) stock represents an equity interest in in a FHLB. They do not have a readily determinable fair values because ownership is restricted and it lacks a market (liquidity). Federal Home Loan Bank And Federal Reserve Bank Stock At Cost FHLBNY and FRBNY stock Refers to the Trading Assets of Fair value. Trading assets Trading assets The amount of money in accounts that may bear interest and that the depositor is entitled to withdraw at any time without prior notice. Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs). Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Demand savings and insured money market accounts Demand, savings, and insured money market accounts Represents income accretion on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable Income Accretion Contractually required principal and interest, income accretion Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Other Adjustments Interest component of expected cash flows (accretable yield), all other adjustments Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Cash Flows Not Expected To Be Collected Other Adjustments Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments Financing Receivable By Credit Quality Indicator [Abstract] Financing receivable by credit quality indicator [Abstract] Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Cash Flows Expected To Be Collected Other Adjustments Cash flows expected to be collected, all other adjustments Represents income accretion on certain loans acquired in transfer not accounted for as debt securities cash flows expected to be collected. Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Cash Flows Expected to be Collected Income Accretion Cash flows expected to be collected, income accretion Represents income accretion on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Cash Flows Not Expected to be collected Income Accretion Contractual cash flows not expected to be collected (nonaccretable discount), income accretion Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable at fair value. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable At Fair Value Other Adjustments Fair value of loans acquired with deteriorating credit quality, all other adjustments Represents income accretion on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable at fair value. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable At Fair Value Income Accretion Fair value of loans acquired with deteriorating credit quality, income accretion Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Contractually Required Payments Receivable Other Adjustments Contractually required principal and interest, all other adjustments A category of financing receivables that are not rated as pass, special mention, substandard, doubtful. Not Rated [Member] The balance of financing receivables that were acquired with deteriorated credit quality. Loans Acquired With Deteriorated Credit quality [Member] Loans Acquired With Deteriorated Credit Quality [Member] This item represents a description of the inputs and the information used to develop the inputs for fair value measurement using significant unobservable inputs (Level 3) as applied to the identified [major] category of asset or liability. Fair Value Measurements, Unobservable Inputs One, Description Unobservable input 1 This item represents a description of the inputs and the information used to develop the inputs for fair value measurement using significant unobservable inputs (Level 3) as applied to the identified major category of asset or liability. Fair Value Measurements, Unobservable Inputs Two, Description Unobservable input 2 Third party real estate and a 100% discount of personal property valuation technique used to measure fair value. Third Party Real Estate and a 100% Discount of Personal Property [Member] Net carrying value of other real estate owned at balance sheet date. 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STOCK COMPENSATION (Tables)
 12 Months Ended
Dec. 31, 2014
STOCK COMPENSATION [Abstract]  
Summary of Restricted Stock Activity
A summary of restricted stock activity as of December 31, 2014, and changes during the year ended is presented below:

  
Shares
  
Weighted–Average Grant Date Fair Value
 
Nonvested at December 31, 2013
  
20,639
  
$
27.17
 
Granted
  
11,279
   
28.40
 
Vested
  
(5,490
)
  
26.09
 
Forfeited or Cancelled
  
-
   
-
 
Nonvested at December 31, 2014
  
26,428
  
$
27.92
 
XML 16 R54.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES, SECURITIES PLEDGED (Details) (USD $)
Dec. 31, 2014
Dec. 31, 2013
SECURITIES [Abstract]    
Fair value of securities pledged to secure public funds on deposit or for other purposes $ 190,700,000us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAtFairValue $ 188,900,000us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAtFairValue
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 44,177,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged 45,753,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
Estimated Fair Value 45,039,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue 46,941,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
Equity method investments 700,000us-gaap_EquityMethodInvestments 1,000,000us-gaap_EquityMethodInvestments
Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 36,195,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 33,746,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Estimated Fair Value 36,641,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 34,369,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Mortgage-Backed Securities, Residential [Member]    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 7,934,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 11,802,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Estimated Fair Value 8,350,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 12,365,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Collateralized Mortgage Obligations [Member]    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 48,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_CollateralizedMortgageObligationsMember		 205,000us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_CollateralizedMortgageObligationsMember
Estimated Fair Value $ 48,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_CollateralizedMortgageObligationsMember		 $ 207,000us-gaap_SecurityOwnedAndPledgedAsCollateralFairValue
/ us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAxis
= us-gaap_CollateralizedMortgageObligationsMember
XML 17 R48.htm IDEA: XBRL DOCUMENT v2.4.1.9
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)
 12 Months Ended 1 Months Ended
Dec. 31, 2014
Segment
Mar. 31, 2008
Branch
Nov. 30, 2013
Branch
Dec. 31, 2013
LOANS [Abstract]        
Period of delinquency after which a loan is placed on non-accrual status 90 days      
Number of consecutive months for which loans remain current before non-accrual loans are returned to accrual status 6 months      
Rolling historical period of net losses used in evaluating general component of valuation allowance for loans not impaired but classified as substandard and special mention 5 years      
Number of most recent years of actual loss history used in determining historical loss experience for all other unclassified loans 2 years      
WEALTH MANAGEMENT GROUP FEE INCOME [Abstract]        
Unaudited market value of trust assets under administration $ 1,956,000,000us-gaap_AssetsUnderManagementCarryingAmount     $ 1,888,000,000us-gaap_AssetsUnderManagementCarryingAmount
Segment Reporting [Abstract]        
Number of operating segments 2us-gaap_NumberOfOperatingSegments      
M&T Bank Branch Offices [Member]        
Intangible Assets [Abstract]        
Number of branches acquired   3chmg_NumberOfBranchesAcquired
/ us-gaap_BusinessAcquisitionAxis
= chmg_MTBankBranchOfficesMember		    
Intangible assets acquired 21,000us-gaap_FiniteLivedIntangibleAssetsGross
/ us-gaap_BusinessAcquisitionAxis
= chmg_MTBankBranchOfficesMember		      
Partners Trust Bank [Member] | Trust Business [Member]        
Intangible Assets [Abstract]        
Intangible assets acquired 2,400,000us-gaap_FiniteLivedIntangibleAssetsGross
/ us-gaap_BusinessAcquisitionAxis
= chmg_PartnersTrustBankMember
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= chmg_TrustBusinessMember		      
Expected useful life 15 years      
Canton Bancorp, Inc. [Member]        
Intangible Assets [Abstract]        
Intangible assets acquired 8,000us-gaap_FiniteLivedIntangibleAssetsGross
/ us-gaap_BusinessAcquisitionAxis
= chmg_CantonBancorpIncMember		      
Fort Orange Financial Corp [Member]        
Intangible Assets [Abstract]        
Intangible assets acquired 1,100,000us-gaap_FiniteLivedIntangibleAssetsGross
/ us-gaap_BusinessAcquisitionAxis
= chmg_FortOrangeFinancialCorpMember		      
Expected useful life 10 years      
Bank of America Branch Offices [Member]        
Intangible Assets [Abstract]        
Number of branches acquired     6chmg_NumberOfBranchesAcquired
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember		  
Intangible assets acquired 1,600,000us-gaap_FiniteLivedIntangibleAssetsGross
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember		      
Bank of America Branch Offices [Member] | Core Deposit Intangibles [Member]        
Intangible Assets [Abstract]        
Expected useful life 7 years      
MT Branch Offices and Canton Bancorp, Inc. Member] [Member] | Core Deposit Intangibles [Member]        
Intangible Assets [Abstract]        
Expected useful life 7 years 3 months      
MT Branch Offices and Canton Bancorp, Inc. Member] [Member] | Customer Relationship Intangibles [Member]        
Intangible Assets [Abstract]        
Expected useful life 7 years 3 months      
Non-qualified Deferred Compensation Plan [Member]        
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]        
Maximum annual installments period 10 years      
Directors' Compensation Plan [Member] | Director [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of shares authorized per calendar year (in shares) 20,000us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
/ us-gaap_PlanNameAxis
= chmg_DirectorsCompensationPlanMember
/ us-gaap_TitleOfIndividualAxis
= us-gaap_DirectorMember		      
Required service period 12 months      
Trading days period 30 days      
Incentive Compensation Plan [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of shares authorized per calendar year (in shares) 10,000us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
/ us-gaap_PlanNameAxis
= chmg_IncentiveCompensationPlanMember		      
Cash compensation $ 300,000chmg_CashCompensation
/ us-gaap_PlanNameAxis
= chmg_IncentiveCompensationPlanMember		      
Restricted Stock [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of shares authorized per calendar year (in shares) 15,000us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		      
Age limit for forfeiture of stock award 65 years      
Restricted Stock [Member] | Awards Vesting Each Year Commencing with First Anniversary Date of Award [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Award vesting percentage (in hundredths) 20.00%us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember
/ us-gaap_VestingAxis
= chmg_ShareBasedCompensationAwardVestingEachYearCommencingWithFirstAnniversaryDateOfAwardMember		      
Restricted Stock [Member] | Awards Vesting on Fifth Anniversary Date [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Award vesting percentage (in hundredths) 100.00%us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember
/ us-gaap_VestingAxis
= chmg_ShareBasedCompensationAwardVestingOnFifthAnniversaryDateMember		      
Defined Contribution Profit Sharing, Savings and Investment Plan [Member]        
Defined Contribution Plan Disclosure [Line Items]        
Number of annual service hours required for eligibility (in hours) 1000 hours      
Pension Plan [Member]        
Defined Benefit Plan Disclosure [Line Items]        
Normal retirement benefit as percentage of final average compensation (in hundredths) 1.20%chmg_NormalRetirementBenefit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		      
Number of consecutive years considered in final average compensation 5 years      
Number of prior years considered in final average compensation 10 years      
Maximum service period 25 years      
Normal retirement additional benefit (in hundredths) 1.00%chmg_NormalRetirementAdditionalBenefit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		      
Maximum additional service years 10 years      
Percentage of average monthly compensation in excess of covered compensation for each year of credited service (in hundredths) 0.65%chmg_PercentageOfAverageMonthlyCompensationInExcessOfCoveredCompensationForEachYearOfCreditedService
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		      
Maximum period of credited service 35 years      
Covered compensation period 35 years      
Defined Benefit Health Care Plan [Member]        
Defined Benefit Plan Disclosure [Line Items]        
Minimum eligible age 55 years      
Contribution percentage (in hundredths) 40.00%chmg_ContributionPercentageBeforeAmendment
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		      
Retiree premium percentage (in hundredths) 100.00%chmg_RetireePremiumPercentage
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		      
Cost of coverage contribution (in hundredths) 50.00%chmg_CostOfCoverageContribution
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		      
Contribution percentage after amendment (in hundredths) 50.00%chmg_PremiumContributionPercentageAfterAmendment
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		      
Contribution cost percentage (in hundredths) 50.00%chmg_ContributionCostPercentage
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		      
Minimum [Member] | Defined Benefit Health Care Plan [Member]        
Defined Benefit Plan Disclosure [Line Items]        
Retiree age group range 55 years      
Maximum [Member] | Defined Benefit Health Care Plan [Member]        
Defined Benefit Plan Disclosure [Line Items]        
Retiree age group range 65 years      
Buildings [Member] | Minimum [Member]        
Property, Plant and Equipment [Line Items]        
Estimated useful lives 15 years      
Buildings [Member] | Maximum [Member]        
Property, Plant and Equipment [Line Items]        
Estimated useful lives 50 years      
Equipment and Furniture [Member] | Minimum [Member]        
Property, Plant and Equipment [Line Items]        
Estimated useful lives 3 years      
Equipment and Furniture [Member] | Maximum [Member]        
Property, Plant and Equipment [Line Items]        
Estimated useful lives 10 years      
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RELATED PARTY TRANSACTIONS (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Loans to Related Parties [Roll Forward]    
Balance at beginning of year $ 26,408,000us-gaap_NotesReceivableRelatedParties $ 25,390,000us-gaap_NotesReceivableRelatedParties
New loans or additional advances 33,282,000us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions 30,056,000us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions
Repayments (21,888,000)us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections (29,038,000)us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections
Balance at end of year 37,802,000us-gaap_NotesReceivableRelatedParties 26,408,000us-gaap_NotesReceivableRelatedParties
Deposit Liabilities $ 12,000,000us-gaap_RelatedPartyDepositLiabilities $ 9,800,000us-gaap_RelatedPartyDepositLiabilities
Minimum [Member]    
Related Party Transactions [Line Items]    
Related party principal ownership threshold (in hundredths) 10.00%chmg_RelatedPartyPrincipalOwnershipThreshold
/ us-gaap_RangeAxis
= us-gaap_MinimumMember		  

XML 20 R55.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)
Dec. 31, 2014
Dec. 31, 2013
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees $ 1,121,574,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome $ 995,866,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Interest receivable on loans 2,780,000us-gaap_InterestReceivable 2,597,000us-gaap_InterestReceivable
Total 1,124,354,000us-gaap_NotesReceivableNet 998,463,000us-gaap_NotesReceivableNet
Residential mortgages held for sale 665,000us-gaap_LoansReceivableHeldForSaleNet 695,000us-gaap_LoansReceivableHeldForSaleNet
Commercial and Agricultural [Member]    
Composition of loan portfolio [Abstract]    
Total 166,820,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 145,732,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Commercial and Industrial [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 165,385,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 144,787,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Total 165,797,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 145,155,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Agricultural [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 1,021,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 576,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Total 1,023,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 577,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Commercial Mortgages [Member]    
Composition of loan portfolio [Abstract]    
Total 453,719,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 374,096,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Construction [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 54,831,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 27,440,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Total 54,967,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 27,510,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Commercial Mortgages [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 397,762,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 345,707,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Total 398,752,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 346,586,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Residential Mortgages [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 196,809,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 195,997,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Total 197,287,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 196,525,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Residential mortgages held for sale 700,000us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 700,000us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Loans pledged as collateral 152,700,000us-gaap_LoansPledgedAsCollateral
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 145,100,000us-gaap_LoansPledgedAsCollateral
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Consumer Loans [Member]    
Composition of loan portfolio [Abstract]    
Total 306,528,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 282,110,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Credit Cards [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 1,654,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 1,756,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Total 1,654,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 1,757,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Home Equity Lines and Loans [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 99,354,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 95,905,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Total 99,591,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 96,134,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Indirect Consumer Loans [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 184,763,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 164,846,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Total 185,217,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 165,294,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Direct Consumer Loans [Member]    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred loan fees 19,995,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 18,852,000us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
Total $ 20,066,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 $ 18,925,000us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
XML 21 R78.htm IDEA: XBRL DOCUMENT v2.4.1.9
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]      
Balance at beginning of period $ 155us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax $ (2,807)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax  
Other comprehensive income (loss) before reclassification (5,075)us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax 2,006us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax  
Amounts reclassified from accumulated other comprehensive income (loss) (3,865)us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax 956us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax  
Net current period other comprehensive loss (8,940)us-gaap_OtherComprehensiveIncomeLossNetOfTax 2,962us-gaap_OtherComprehensiveIncomeLossNetOfTax  
Balance at end of period (8,785)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 155us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax (2,807)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Total impairment losses 0us-gaap_ImpairmentOfInvestments 29us-gaap_ImpairmentOfInvestments 0us-gaap_ImpairmentOfInvestments
Net losses on securities transactions 6,869us-gaap_GainLossOnSaleOfSecuritiesNet 16us-gaap_GainLossOnSaleOfSecuritiesNet 301us-gaap_GainLossOnSaleOfSecuritiesNet
Pension and other employee benefits 5,733us-gaap_PensionAndOtherPostretirementBenefitExpense 5,939us-gaap_PensionAndOtherPostretirementBenefitExpense 5,624us-gaap_PensionAndOtherPostretirementBenefitExpense
Income tax benefit (expense) 3,709us-gaap_IncomeTaxExpenseBenefit 3,822us-gaap_IncomeTaxExpenseBenefit 5,385us-gaap_IncomeTaxExpenseBenefit
Net of tax 8,157us-gaap_NetIncomeLoss 8,731us-gaap_NetIncomeLoss 11,022us-gaap_NetIncomeLoss
Reclassification out of Accumulated Other Comprehensive Income (loss) [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Net of tax (3,865)us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember		 956us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember		  
Unrealized Gains and Losses on Securities Available for Sale [Member]      
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]      
Balance at beginning of period 6,043us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 8,023us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Other comprehensive income (loss) before reclassification 146us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 (1,988)us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Amounts reclassified from accumulated other comprehensive income (loss) (4,229)us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 8us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Net current period other comprehensive loss (4,083)us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 (1,980)us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Balance at end of period 1,960us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 6,043us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Unrealized Gains and Losses on Securities Available for Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income (loss) [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Total impairment losses 0us-gaap_ImpairmentOfInvestments
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 29us-gaap_ImpairmentOfInvestments
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Net losses on securities transactions (6,869)us-gaap_GainLossOnSaleOfSecuritiesNet
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 (16)us-gaap_GainLossOnSaleOfSecuritiesNet
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Income tax benefit (expense) 2,640us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 (5)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Net of tax (4,229)us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		 8us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember		  
Defined Benefit and Other Benefit Plans [Member]      
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]      
Balance at beginning of period (5,888)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 (10,830)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Other comprehensive income (loss) before reclassification (5,221)us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 3,994us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Amounts reclassified from accumulated other comprehensive income (loss) 364us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 948us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Net current period other comprehensive loss (4,857)us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 4,942us-gaap_OtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Balance at end of period (10,745)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 (5,888)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Defined Benefit and Other Benefit Plans [Member] | Reclassification out of Accumulated Other Comprehensive Income (loss) [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Income tax benefit (expense) (227)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 (593)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Net of tax 364us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		 948us-gaap_NetIncomeLoss
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember		  
Prior Service Costs [Member] | Reclassification out of Accumulated Other Comprehensive Income (loss) [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Pension and other employee benefits (90)us-gaap_PensionAndOtherPostretirementBenefitExpense
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember		 [1] (83)us-gaap_PensionAndOtherPostretirementBenefitExpense
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember		 [1]  
Actuarial Losses [Member] | Reclassification out of Accumulated Other Comprehensive Income (loss) [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Pension and other employee benefits $ 681us-gaap_PensionAndOtherPostretirementBenefitExpense
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember		 [1] $ 1,624us-gaap_PensionAndOtherPostretirementBenefitExpense
/ us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis
= us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember		 [1]  
[1] (a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 22 R46.htm IDEA: XBRL DOCUMENT v2.4.1.9
SEGMENT REPORTING (Tables)
 12 Months Ended
Dec. 31, 2014
SEGMENT REPORTING [Abstract]  
Summarized Financial Information Concerning Reportable Segments And Reconciliation To Consolidated Results
Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments (amounts in thousands):

Year ended December 31, 2014
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
49,556
  
$
-
  
$
12
  
$
49,568
 
Provision for loan losses
  
3,981
   
-
   
-
   
3,981
 
Net interest income after provision for loan losses
  
45,575
   
-
   
12
   
45,587
 
Other operating income
  
18,186
   
7,746
   
824
   
26,756
 
Legal settlements
  
-
   
4,250
   
-
   
4,250
 
Other operating expenses
  
49,997
   
5,355
   
875
   
56,227
 
Income (loss) before income tax expense
  
13,764
   
(1,859
)
  
(39
)
  
11,866
 
Income tax expense (benefit)
  
4,507
   
(715
)
  
(83
)
  
3,709
 
Segment net income (loss)
 
$
9,257
  
$
(1,144
)
 
$
44
  
$
8,157
 
 
                
Segment assets
 
$
1,518,584
  
$
4,357
  
$
1,598
  
$
1,524,539
 

Year ended December 31, 2013
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
46,621
  
$
-
  
$
10
  
$
46,631
 
Provision for loan losses
  
2,755
   
-
   
-
   
2,755
 
Net interest income after provision for loan losses
  
43,866
   
-
   
10
   
43,876
 
Other operating income
  
9,913
   
7,344
   
820
   
18,077
 
Other operating expenses
  
43,136
   
5,480
   
784
   
49,400
 
Income before income tax expense
  
10,643
   
1,864
   
46
   
12,553
 
Income tax expense (benefit)
  
3,139
   
717
   
(34
)
  
3,822
 
Segment net income
 
$
7,504
  
$
1,147
  
$
80
  
$
8,731
 
 
                
Segment assets
 
$
1,469,482
  
$
4,943
  
$
1,718
  
$
1,476,143
 

Year ended December 31, 2012
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
46,834
  
$
-
  
$
8
  
$
46,842
 
Provision for loan losses
  
828
   
-
   
-
   
828
 
Net interest income after provision for loan losses
  
46,006
   
-
   
8
   
46,014
 
Other operating income
  
9,597
   
6,827
   
764
   
17,188
 
Other operating expenses
  
40,550
   
5,389
   
856
   
46,795
 
Income (loss) before income tax expense
  
15,053
   
1,438
   
(84
)
  
16,407
 
Income tax expense (benefit)
  
4,954
   
553
   
(122
)
  
5,385
 
Segment net income
 
$
10,099
  
$
885
  
$
38
  
$
11,022
 
                 
Segment assets
 
$
1,240,752
  
$
5,156
  
$
2,252
  
$
1,248,160
 
XML 23 R33.htm IDEA: XBRL DOCUMENT v2.4.1.9
GOODWILL AND INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2014
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
Schedule of Changes in Goodwill
The changes in goodwill included in the core banking segment during the years ended December 31, 2014 and 2013 were as follows (amounts in thousands):

  
2014
  
2013
 
Beginning of year
 
$
21,824
  
$
21,824
 
Acquired goodwill
  
-
   
-
 
End of year
 
$
21,824
  
$
21,824
 
Schedule of Acquired Intangible Assets
Acquired intangible assets were as follows at December 31, 2014 and 2013 (amounts in thousands):

 
At December 31, 2014
 
At December 31, 2013
 
 
Balance Acquired
 
Accumulated Amortization
 
Balance Acquired
 
Accumulated Amortization
 
Core deposit intangibles
 
$
5,975
  
$
3,279
  
$
5,975
  
$
2,338
 
Other customer relationship intangibles
  
5,633
   
3,262
   
6,063
   
3,323
 
Total
 
$
11,608
  
$
6,541
  
$
12,038
  
$
5,661
 
Schedule of Remaining Estimated Aggregate Amortization Expense
The remaining estimated aggregate amortization expense at December 31, 2014 is listed below (amounts in thousands):

Year
 
Estimated Expense
 
2015
 
$
1,136
 
2016
  
986
 
2017
  
859
 
2018
  
734
 
2019
  
609
 
2020 and thereafter
  
743
 
Total
 
$
5,067
 
XML 24 R79.htm IDEA: XBRL DOCUMENT v2.4.1.9
SEGMENT REPORTING (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Segment
Dec. 31, 2013
Dec. 31, 2012
SEGMENT REPORTING [Abstract]      
Number of primary business segment 2us-gaap_NumberOfOperatingSegments    
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income $ 49,568us-gaap_InterestIncomeExpenseNet $ 46,631us-gaap_InterestIncomeExpenseNet $ 46,842us-gaap_InterestIncomeExpenseNet
Provision for loan losses 3,981us-gaap_ProvisionForLoanAndLeaseLosses 2,755us-gaap_ProvisionForLoanAndLeaseLosses 828us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for loan losses 45,587us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 43,876us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 46,014us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Other operating income 26,756us-gaap_NoninterestIncome 18,077us-gaap_NoninterestIncome 17,188us-gaap_NoninterestIncome
Legal settlements 4,250us-gaap_LegalFees 0us-gaap_LegalFees 0us-gaap_LegalFees
Other operating expenses 56,227us-gaap_OtherExpenses 49,400us-gaap_OtherExpenses 46,795us-gaap_OtherExpenses
Income (loss) before income tax expense 11,866us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 12,553us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 16,407us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax benefit 3,709us-gaap_IncomeTaxExpenseBenefit 3,822us-gaap_IncomeTaxExpenseBenefit 5,385us-gaap_IncomeTaxExpenseBenefit
Net income 8,157us-gaap_NetIncomeLoss 8,731us-gaap_NetIncomeLoss 11,022us-gaap_NetIncomeLoss
Segment assets 1,524,539us-gaap_Assets 1,476,143us-gaap_Assets 1,248,160us-gaap_Assets
Holding Company and Other [Member]      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 12us-gaap_InterestIncomeExpenseNet
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 10us-gaap_InterestIncomeExpenseNet
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 8us-gaap_InterestIncomeExpenseNet
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Provision for loan losses 0us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 0us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 0us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Net interest income after provision for loan losses 12us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 10us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 8us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Other operating income 824us-gaap_NoninterestIncome
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 820us-gaap_NoninterestIncome
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 764us-gaap_NoninterestIncome
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Legal settlements 0us-gaap_LegalFees
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		    
Other operating expenses 875us-gaap_OtherExpenses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 784us-gaap_OtherExpenses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 856us-gaap_OtherExpenses
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Income (loss) before income tax expense (39)us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 46us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 (84)us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Income tax benefit (83)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 (34)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 (122)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Net income 44us-gaap_NetIncomeLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 80us-gaap_NetIncomeLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 38us-gaap_NetIncomeLoss
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Segment assets 1,598us-gaap_Assets
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 1,718us-gaap_Assets
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember		 2,252us-gaap_Assets
/ us-gaap_StatementBusinessSegmentsAxis
= us-gaap_CorporateAndOtherMember
Operating Segments [Member] | Core Banking [Member]      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 49,556us-gaap_InterestIncomeExpenseNet
/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		 46,621us-gaap_InterestIncomeExpenseNet
/ us-gaap_ConsolidationItemsAxis
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= chmg_CoreBankingMember
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember
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/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		 9,913us-gaap_NoninterestIncome
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember
Legal settlements 0us-gaap_LegalFees
/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		    
Other operating expenses 49,997us-gaap_OtherExpenses
/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		 43,136us-gaap_OtherExpenses
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember
Income (loss) before income tax expense 13,764us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember
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/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember
Net income 9,257us-gaap_NetIncomeLoss
/ us-gaap_ConsolidationItemsAxis
= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		 7,504us-gaap_NetIncomeLoss
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/ us-gaap_ConsolidationItemsAxis
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Segment assets 1,518,584us-gaap_Assets
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_CoreBankingMember		 1,469,482us-gaap_Assets
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/ us-gaap_StatementBusinessSegmentsAxis
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Operating Segments [Member] | Wealth Management Group Services [Member]      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 0us-gaap_InterestIncomeExpenseNet
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Net interest income after provision for loan losses 0us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
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/ us-gaap_StatementBusinessSegmentsAxis
= chmg_WealthManagementGroupServicesMember		 7,344us-gaap_NoninterestIncome
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/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_ConsolidationItemsAxis
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Income tax benefit (715)us-gaap_IncomeTaxExpenseBenefit
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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= us-gaap_OperatingSegmentsMember
/ us-gaap_StatementBusinessSegmentsAxis
= chmg_WealthManagementGroupServicesMember		 $ 4,943us-gaap_Assets
/ us-gaap_ConsolidationItemsAxis
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/ us-gaap_StatementBusinessSegmentsAxis
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FAIR VALUES (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Financial Assets [Abstract]    
Total available for sale securities $ 280,507us-gaap_AvailableForSaleSecurities $ 346,016us-gaap_AvailableForSaleSecurities
Trading assets 549us-gaap_TradingSecurities 366us-gaap_TradingSecurities
Recurring [Member]    
Financial Assets [Abstract]    
Obligations of U.S. Government and U.S. Government sponsored enterprises 181,673chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 188,106chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Mortgage-backed securities, residential 61,660us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 104,356us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Collateralized mortgage obligations 338chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 1,015chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Obligations of states and political subdivisions 31,451chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 38,376chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate bonds and notes 1,533chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 2,946chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
SBA loan pools 1,304chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 1,488chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trust Preferred securities 2,028chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 2,034chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate stocks 520chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 7,695chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Total available for sale securities 280,507us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 346,016us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trading assets 549us-gaap_TradingSecurities
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 366us-gaap_TradingSecurities
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Financial Assets [Abstract]    
Obligations of U.S. Government and U.S. Government sponsored enterprises 31,115chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 31,262chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Mortgage-backed securities, residential 0us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Collateralized mortgage obligations 0chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Obligations of states and political subdivisions 0chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate bonds and notes 0chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
SBA loan pools 0chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trust Preferred securities 0chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate stocks 104chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 7,279chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Total available for sale securities 31,219us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 38,541us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trading assets 549us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 366us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]    
Financial Assets [Abstract]    
Obligations of U.S. Government and U.S. Government sponsored enterprises 150,558chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 156,844chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Mortgage-backed securities, residential 61,660us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 104,356us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Collateralized mortgage obligations 338chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 1,015chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Obligations of states and political subdivisions 31,451chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 38,376chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate bonds and notes 1,533chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 2,946chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
SBA loan pools 1,304chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 1,488chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trust Preferred securities 2,028chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 2,034chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate stocks 416chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 416chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Total available for sale securities 249,288us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 307,475us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trading assets 0us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]    
Financial Assets [Abstract]    
Obligations of U.S. Government and U.S. Government sponsored enterprises 0chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_ObligationsOfUSGovernmentAndUSGovernmentSponsoredEnterprisesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Mortgage-backed securities, residential 0us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Collateralized mortgage obligations 0chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_CollateralizedMortgageObligationsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Obligations of states and political subdivisions 0chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate bonds and notes 0chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_CorporateBondsAndNotesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
SBA loan pools 0chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_SmallBusinessAdministrationPoolLoansFairValuedisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trust Preferred securities 0chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_TrustPreferredSecuritiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Corporate stocks 0chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0chmg_CorporateStocksFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Total available for sale securities 0us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Trading assets 0us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember		 0us-gaap_TradingSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsRecurringMember
Non-recurring [Member] | Impaired Loans [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   460chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 3,593chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 485chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 52chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 54chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 3,645us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 999us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Other Real Estate Owned [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   101chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 3,063chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 266chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Residential mortgages   106chmg_CommercialMortgageLoansResidentialMortgagesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 2chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 65chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 3,065us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 538us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   0chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate Owned [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   0chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Residential mortgages   0chmg_CommercialMortgageLoansResidentialMortgagesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   0chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate Owned [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   0chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Residential mortgages   0chmg_CommercialMortgageLoansResidentialMortgagesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 0us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   460chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 2,905chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 485chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 52chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 54chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net 2,957us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 999us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Real Estate Owned [Member]    
Commercial and agricultural [Abstract]    
Commercial and industrial   101chmg_CommercialAndIndustrialLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Commercial mortgages [Abstract]    
Commercial mortgages other 3,063chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 266chmg_CommercialMortgageLoansOtherFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Residential mortgages   106chmg_CommercialMortgageLoansResidentialMortgagesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Consumer loans [Abstract]    
Home equity lines and loans 2chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 65chmg_HomeEquityLinesAndLoansFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
Total impaired loans/ other real estate owned, net $ 3,065us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember		 $ 538us-gaap_LoansReceivableFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
XML 27 R57.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES, IMPAIRED LOANS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Unpaid Principal Balance [Abstract]      
Total $ 16,124us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance $ 13,875us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance  
Recorded Investment [Abstract]      
Total 15,904us-gaap_ImpairedFinancingReceivableRecordedInvestment 13,897us-gaap_ImpairedFinancingReceivableRecordedInvestment  
Allowance for Loan Losses Allocated 1,235us-gaap_ImpairedFinancingReceivableRelatedAllowance 1,046us-gaap_ImpairedFinancingReceivableRelatedAllowance  
Average Recorded Investment [Abstract]      
Total 13,512us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment 12,768us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment 5,451us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
Interest Income Recognized [Abstract]      
Total 453us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod [1] 421us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod [1] 12us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod [1]
Commercial and Industrial [Member]      
Unpaid Principal Balance [Abstract]      
With no related allowance recorded 1,359us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,906us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		  
With an allowance recorded 89us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,037us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		  
Recorded Investment [Abstract]      
With no related allowance recorded 1,364us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,909us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		  
With an allowance recorded 89us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,037us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		  
Allowance for Loan Losses Allocated 89us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 576us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		  
Average Recorded Investment [Abstract]      
With no related allowance recorded 1,463us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,605us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 481us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
With an allowance recorded 502us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 719us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 1,831us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Interest Income Recognized [Abstract]      
With no related allowance recorded 40us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1] 71us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1] 1us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1]
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1]
Construction [Member]      
Unpaid Principal Balance [Abstract]      
With no related allowance recorded 1,927us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 2,329us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		  
Recorded Investment [Abstract]      
With no related allowance recorded 1,910us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 2,319us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		  
Average Recorded Investment [Abstract]      
With no related allowance recorded 2,104us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 3,364us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 73us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 4us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Interest Income Recognized [Abstract]      
With no related allowance recorded 102us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1] 95us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1] 1us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1]
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1]
Commercial Mortgages [Member]      
Unpaid Principal Balance [Abstract]      
With no related allowance recorded 7,803us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 7,406us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		  
With an allowance recorded 4,210us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 951us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		  
Recorded Investment [Abstract]      
With no related allowance recorded 7,708us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 7,439us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		  
With an allowance recorded 4,094us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 945us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		  
Allowance for Loan Losses Allocated 1,145us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 466us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		  
Average Recorded Investment [Abstract]      
With no related allowance recorded 7,492us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 5,991us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 1,990us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
With an allowance recorded 1,611us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 867us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 872us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Interest Income Recognized [Abstract]      
With no related allowance recorded 259us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1] 249us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1] 10us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1]
With an allowance recorded 41us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1]
Residential Mortgages [Member]      
Unpaid Principal Balance [Abstract]      
With no related allowance recorded 253us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 117us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Recorded Investment [Abstract]      
With no related allowance recorded 253us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 117us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Average Recorded Investment [Abstract]      
With no related allowance recorded 141us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 125us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 106us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 64us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Interest Income Recognized [Abstract]      
With no related allowance recorded 1us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1]
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1]
Home Equity Lines and Loans [Member]      
Unpaid Principal Balance [Abstract]      
With no related allowance recorded 429us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 71us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
With an allowance recorded 54us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 58us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
Recorded Investment [Abstract]      
With no related allowance recorded 432us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 73us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
With an allowance recorded 54us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 58us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
Allowance for Loan Losses Allocated 1us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 4us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
Average Recorded Investment [Abstract]      
With no related allowance recorded 143us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 47us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 30us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
With an allowance recorded 56us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 47us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Interest Income Recognized [Abstract]      
With no related allowance recorded 6us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1] 2us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1] 0us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1]
With an allowance recorded 4us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1] 3us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1]
Direct Consumer Loans [Member]      
Average Recorded Investment [Abstract]      
With an allowance recorded 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 3us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
Interest Income Recognized [Abstract]      
With an allowance recorded $ 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 [1] $ 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 [1] $ 0us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 [1]
[1] Cash basis interest income approximates interest income recognized.
XML 28 R76.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUES, Carrying Amounts and Estimated Fair Values of Other Financial Instruments (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Financial Assets [Abstract]      
Cash and due from financial institutions $ 28,130us-gaap_CashAndDueFromBanks $ 31,600us-gaap_CashAndDueFromBanks  
Interest-bearing deposits in other financial institutions 1,033us-gaap_InterestBearingDepositsInBanks 20,009us-gaap_InterestBearingDepositsInBanks  
Available for sale securities 280,507us-gaap_AvailableForSaleSecurities 346,016us-gaap_AvailableForSaleSecurities  
Securities held to maturity 5,831us-gaap_HeldToMaturitySecurities 6,495us-gaap_HeldToMaturitySecurities  
Loans, net 1,107,888us-gaap_LoansAndLeasesReceivableNetReportedAmount 983,090us-gaap_LoansAndLeasesReceivableNetReportedAmount  
Loans held for sale 665us-gaap_LoansReceivableHeldForSaleNet 695us-gaap_LoansReceivableHeldForSaleNet  
Accrued interest receivable 2,780us-gaap_InterestReceivable 2,597us-gaap_InterestReceivable  
Deposits [Abstract]      
Time Deposits 211,843us-gaap_TimeDeposits 244,492us-gaap_TimeDeposits  
Securities sold under agreements to repurchase 29,652us-gaap_SecuritiesSoldUnderAgreementsToRepurchase 32,701us-gaap_SecuritiesSoldUnderAgreementsToRepurchase 32,711us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
FHLBNY overnight advances 30,830us-gaap_FederalHomeLoanBankAdvancesCurrent 0us-gaap_FederalHomeLoanBankAdvancesCurrent  
FHLBNY term advances 19,310us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent 25,243us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent  
Dividends payable 1,204us-gaap_DividendsPayableCurrentAndNoncurrent 1,195us-gaap_DividendsPayableCurrentAndNoncurrent 0us-gaap_DividendsPayableCurrentAndNoncurrent
Carrying Amount [Member]      
Financial Assets [Abstract]      
Cash and due from financial institutions 28,130us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 31,600us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Interest-bearing deposits in other financial institutions 1,033us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 20,009us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Trading assets 549chmg_TradingAssets
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 366chmg_TradingAssets
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Available for sale securities 280,507us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 346,016us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Securities held to maturity 5,831us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 6,495us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
FHLBNY and FRBNY stock 5,535chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 4,482chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Loans, net 1,107,888us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 983,090us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Loans held for sale 665us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 695us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Accrued interest receivable 4,185us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 4,166us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,068,171chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 1,021,764chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Time Deposits 211,843us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 244,492us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Securities sold under agreements to repurchase 29,652us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 32,701us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
FHLBNY overnight advances 30,830us-gaap_FederalHomeLoanBankAdvancesCurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		    
FHLBNY term advances 19,310us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 25,243us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Accrued interest payable 237us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 336us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Estimated Fair Value [Member]      
Financial Assets [Abstract]      
Cash and due from financial institutions 28,130us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 31,600us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Interest-bearing deposits in other financial institutions 1,033us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 20,009us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Trading assets 549chmg_TradingAssets
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 366chmg_TradingAssets
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Available for sale securities 280,507us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 346,016us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Securities held to maturity 6,197us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 6,930us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Loans, net 1,135,590us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 1,008,826us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Loans held for sale 665us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 695us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Accrued interest receivable 4,185us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 4,166us-gaap_InterestReceivable
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,068,171chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 1,021,764chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Time Deposits 212,397us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 245,482us-gaap_TimeDeposits
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Securities sold under agreements to repurchase 30,853us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 33,636us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
FHLBNY overnight advances 30,832us-gaap_FederalHomeLoanBankAdvancesCurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]    
FHLBNY term advances 20,235us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 26,064us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Accrued interest payable 237us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1] 336us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 [1]  
Estimated Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Financial Assets [Abstract]      
Cash and due from financial institutions 28,130us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 31,600us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Interest-bearing deposits in other financial institutions 1,033us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 20,009us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Trading assets 549chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 366chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Available for sale securities 31,219us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 38,541us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities held to maturity 0us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY and FRBNY stock 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans, net 0us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans held for sale 0us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest receivable 145us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 145us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,068,171chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 1,021,764chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Time Deposits 0us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities sold under agreements to repurchase 0us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY overnight advances 0us-gaap_FederalHomeLoanBankAdvancesCurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		    
FHLBNY term advances 0us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest payable 15us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 15us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Estimated Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Financial Assets [Abstract]      
Cash and due from financial institutions 0us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_CashAndDueFromBanks
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= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Interest-bearing deposits in other financial institutions 0us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Trading assets 0chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Available for sale securities 249,288us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 307,475us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities held to maturity 6,197us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 6,930us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY and FRBNY stock 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans, net 0us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans held for sale 665us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 695us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest receivable 1,295us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 1,468us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 0chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Time Deposits 212,397us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 245,482us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities sold under agreements to repurchase 30,853us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 33,636us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY overnight advances 30,832us-gaap_FederalHomeLoanBankAdvancesCurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		    
FHLBNY term advances 20,235us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 26,064us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest payable 222us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 170us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Estimated Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Financial Assets [Abstract]      
Cash and due from financial institutions 0us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_CashAndDueFromBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Interest-bearing deposits in other financial institutions 0us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_InterestBearingDepositsInBanks
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Trading assets 0chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_TradingAssets
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Available for sale securities 0us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities held to maturity 0us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_HeldToMaturitySecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY and FRBNY stock 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans, net 1,135,590us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 1,008,826us-gaap_LoansAndLeasesReceivableNetReportedAmount
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Loans held for sale 0us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LoansReceivableHeldForSaleNet
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest receivable 2,745us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 2,553us-gaap_InterestReceivable
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 0chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0chmg_DemandSavingsAndInsuredMoneyMarketAccounts
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Time Deposits 0us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_TimeDeposits
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Securities sold under agreements to repurchase 0us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
FHLBNY overnight advances 0us-gaap_FederalHomeLoanBankAdvancesCurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		    
FHLBNY term advances 0us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Accrued interest payable $ 0us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 $ 151us-gaap_InterestPayableCurrentAndNoncurrent
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
[1] Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
XML 29 R77.htm IDEA: XBRL DOCUMENT v2.4.1.9
REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
REGULATORY CAPITAL REQUIREMENTS [Abstract]    
Net profits period for accessing dividends declarable 2 years  
Declarable dividends without prior approval for next fiscal year $ 13,600us-gaap_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApproval  
Total Capital (to Risk Weighted Assets) [Abstract]    
Actual 129,211us-gaap_Capital 126,299us-gaap_Capital
Required To Be Adequately Capitalized 87,271us-gaap_CapitalRequiredForCapitalAdequacy 83,484us-gaap_CapitalRequiredForCapitalAdequacy
Tier 1 Capital (to Risk Weighted Assets) [Abstract]    
Actual 115,483us-gaap_TierOneRiskBasedCapital 110,260us-gaap_TierOneRiskBasedCapital
Required To Be Adequately Capitalized 43,636us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy 41,742us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy
Tier 1 Capital (to Average Assets) [Abstract]    
Actual 115,483us-gaap_TierOneLeverageCapital 110,260us-gaap_TierOneLeverageCapital
Required To Be Adequately Capitalized 44,556us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy 40,940us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy
Risk Based Ratios [Abstract]    
Capital to Risk Weighted Assets (in hundredths) 11.84%us-gaap_CapitalToRiskWeightedAssets 12.10%us-gaap_CapitalToRiskWeightedAssets
Capital Required To Be Adequately Capitalized to Risk Weighted Assets (in hundredths) 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
Tier One Risk Based Capital to Risk Weighted Assets (in hundredths) 10.59%us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets 10.57%us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets
Tier One Risk Based Capital Required To Be Adequately Capitalized to Risk Weighted Assets (in hundredths) 4.00%us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets 4.00%us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
Leverage Ratios [Abstract]    
Tier One Leverage Capital to Average Assets (in hundredths) 7.78%us-gaap_TierOneLeverageCapitalToAverageAssets 8.08%us-gaap_TierOneLeverageCapitalToAverageAssets
Tier One Leverage Capital Required To Be Adequately Capitalized to Average Assets (in hundredths) 3.00%us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets 3.00%us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
Bank [Member]    
Total Capital (to Risk Weighted Assets) [Abstract]    
Actual 123,685us-gaap_Capital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 121,222us-gaap_Capital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Adequately Capitalized 87,178us-gaap_CapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 83,369us-gaap_CapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Well Capitalized 108,972us-gaap_CapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 104,211us-gaap_CapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier 1 Capital (to Risk Weighted Assets) [Abstract]    
Actual 110,014us-gaap_TierOneRiskBasedCapital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 105,239us-gaap_TierOneRiskBasedCapital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Adequately Capitalized 43,589us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 41,684us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Well Capitalized 65,383us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 62,527us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier 1 Capital (to Average Assets) [Abstract]    
Actual 110,014us-gaap_TierOneLeverageCapital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 105,239us-gaap_TierOneLeverageCapital
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Adequately Capitalized 44,512us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 40,900us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Required To Be Well Capitalized $ 74,187us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 $ 68,167us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Risk Based Ratios [Abstract]    
Capital to Risk Weighted Assets (in hundredths) 11.35%us-gaap_CapitalToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 11.63%us-gaap_CapitalToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Capital Required To Be Adequately Capitalized to Risk Weighted Assets (in hundredths) 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 8.00%us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Capital Required To Be Well Capitalized to Risk Weighted Assets (in hundredths) 10.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 10.00%us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier One Risk Based Capital to Risk Weighted Assets (in hundredths) 10.10%us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 10.10%us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier One Risk Based Capital Required To Be Adequately Capitalized to Risk Weighted Assets (in hundredths) 4.00%us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 4.00%us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier One Risk Based Capital Required To Be Well Capitalized to Risk Weighted Assets (in hundredths) 6.00%us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 6.00%us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Leverage Ratios [Abstract]    
Tier One Leverage Capital to Average Assets (in hundredths) 7.41%us-gaap_TierOneLeverageCapitalToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 7.72%us-gaap_TierOneLeverageCapitalToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier One Leverage Capital Required To Be Adequately Capitalized to Average Assets (in hundredths) 3.00%us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 3.00%us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
Tier One Leverage Capital Required To Be Well Capitalized to Average Assets (in hundredths) 5.00%us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember		 5.00%us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
/ dei_LegalEntityAxis
= us-gaap_SubsidiariesMember
XML 30 R71.htm IDEA: XBRL DOCUMENT v2.4.1.9
COMMITMENTS AND CONTINGENCIES (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Stipulation
Proceeding
Dec. 31, 2013
Proceeding
Pending Litigation [Member]    
Loss Contingencies [Line Items]    
Number of legal proceedings   2us-gaap_LossContingencyPendingClaimsNumber
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember
Accrual for legal settlement $ 12,100,000us-gaap_SettlementLiabilitiesCurrent
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember		  
Receivable for insurance proceeds 7,900,000us-gaap_InsuranceSettlementsReceivableCurrent
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember		  
Number of stipulations submitted to Surrogate's Court 2chmg_NumberOfStipulationsSubmittedToSurrogateSCourt
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember		  
Pending Litigation [Member] | Objections to Final Settlement of Trust Account One [Member]    
Loss Contingencies [Line Items]    
Damages and disallowed trustee's commissions claimed 13,200,000us-gaap_LossContingencyDamagesSoughtValue
/ us-gaap_LitigationCaseAxis
= chmg_ObjectionsToFinalSettlementOfTrustAccountOneMember
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember		  
Pending Litigation [Member] | Objections to Final Settlement of Trust Account Two [Member]    
Loss Contingencies [Line Items]    
Damages and disallowed trustee's commissions claimed 24,100,000us-gaap_LossContingencyDamagesSoughtValue
/ us-gaap_LitigationCaseAxis
= chmg_ObjectionsToFinalSettlementOfTrustAccountTwoMember
/ us-gaap_LitigationStatusAxis
= us-gaap_PendingLitigationMember		  
Minimum [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Commitments period to make fixed-rate commercial draw notes 3 months  
Minimum [Member] | Fixed Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Interest rate on fixed-rate commitments to make loans (in hundredths) 2.75%chmg_InterestRateOnFixedRateCommitmentsToMakeLoans
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember		  
Maturity period of fixed-rate commitments to make loans 5 years  
Interest rate on fixed-rate commitments to make commercial draw notes (in hundredths) 1.76%chmg_InterestRateOnFixedRateCommitmentsToMakeCommercialDrawNotes
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember		  
Maximum [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Commitments period to make real estate and home equity loans 60 days  
Commitments period to make fixed-rate commercial draw notes 18 months  
Off-balance sheet financial instruments, standard term 12 months  
Maximum [Member] | Fixed Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Interest rate on fixed-rate commitments to make loans (in hundredths) 5.875%chmg_InterestRateOnFixedRateCommitmentsToMakeLoans
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember		  
Maturity period of fixed-rate commitments to make loans 30 years  
Interest rate on fixed-rate commitments to make commercial draw notes (in hundredths) 5.25%chmg_InterestRateOnFixedRateCommitmentsToMakeCommercialDrawNotes
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember		  
Commitments to Make Loans [Member] | Fixed Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk 23,756,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommitmentsToExtendCreditMember
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember		 21,049,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
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/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
Commitments to Make Loans [Member] | Variable Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk 11,082,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommitmentsToExtendCreditMember
/ chmg_InterestRateTypeAxis
= chmg_VariableInterestRateMember		 7,893,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_CommitmentsToExtendCreditMember
/ chmg_InterestRateTypeAxis
= chmg_VariableInterestRateMember
Unused Line of Credit [Member] | Fixed Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk 812,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
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/ chmg_InterestRateTypeAxis
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/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
Unused Line of Credit [Member] | Variable Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk 185,235,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_UnusedLinesOfCreditMember
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= chmg_VariableInterestRateMember		 187,061,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_UnusedLinesOfCreditMember
/ chmg_InterestRateTypeAxis
= chmg_VariableInterestRateMember
Standby Letters of Credit [Member] | Fixed Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk 0us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_StandbyLettersOfCreditMember
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember		 0us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
= us-gaap_StandbyLettersOfCreditMember
/ chmg_InterestRateTypeAxis
= chmg_FixedInterestRateMember
Standby Letters of Credit [Member] | Variable Interest Rate [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual amounts of financial instruments with off-balance sheet risk $ 16,747,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
/ us-gaap_FinancialInstrumentAxis
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/ chmg_InterestRateTypeAxis
= chmg_VariableInterestRateMember		 17,290,000us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability
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/ chmg_InterestRateTypeAxis
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XML 31 R25.htm IDEA: XBRL DOCUMENT v2.4.1.9
REGULATORY CAPITAL REQUIREMENTS
 12 Months Ended
Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
REGULATORY CAPITAL REQUIREMENTS
(17)            REGULATORY CAPITAL REQUIREMENTS

The Corporation and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Corporation and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets (all as defined in the applicable regulations).  Management believes that, as of December 31, 2014 and 2013, the Corporation and the Bank met all capital adequacy requirements to which they were subject.

As of December 31, 2014, the most recent notification from the Federal Reserve Bank of New York categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below.  There have been no conditions or events since that notification that management believes have changed the Bank's or the Corporation's capital category.

The Corporation’s principal source of funds for dividend payments is dividends received from the Bank.  Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies.  Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net income, combined with the retained net income of the preceding two years, subject to the capital requirements in the table below.  During 2015, the Bank could, without prior approval, declare dividends of approximately $13.6 million plus any 2015 net income retained to the date of the dividend declaration.

The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (amounts in thousands):
 
  
Actual
  
Required To Be Adequately Capitalized
  
Required To Be Well
Capitalized
 
As of December 31, 2014
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
  
Consolidated
 
$
129,211
   
11.84
%
 
$
87,271
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
123,685
   
11.35
%
 
$
87,178
   
8.00
%
 
$
108,972
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
115,483
   
10.59
%
 
$
43,636
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
110,014
   
10.10
%
 
$
43,589
   
4.00
%
 
$
65,383
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
115,483
   
7.78
%
 
$
44,556
   
3.00
%
  
N/A
 
  
N/A
 
Bank
 
$
110,014
   
7.41
%
 
$
44,512
   
3.00
%
 
$
74,187
   
5.00
%
 
As of December 31, 2013
            
Total Capital (to Risk Weighted Assets):
            
Consolidated
 
$
126,299
   
12.10
%
 
$
83,484
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
121,222
   
11.63
%
 
$
83,369
   
8.00
%
 
$
104,211
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
110,260
   
10.57
%
 
$
41,742
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
105,239
   
10.10
%
 
$
41,684
   
4.00
%
 
$
62,527
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
110,260
   
8.08
%
 
$
40,940
   
3.00
%
  
N/A
 
  
N/A
 
Bank
 
$
105,239
   
7.72
%
 
$
40,900
   
3.00
%
 
$
68,167
   
5.00
%
XML 32 R50.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES, SECURITIES AVAILABLE FOR SALE (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost $ 277,323us-gaap_AvailableForSaleSecuritiesAmortizedCost $ 336,199us-gaap_AvailableForSaleSecuritiesAmortizedCost  
Estimated Fair Value 280,507us-gaap_AvailableForSaleSecurities 346,016us-gaap_AvailableForSaleSecurities  
Unrealized Gains 3,400us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax 11,506us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax  
Unrealized Losses 216us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax 1,689us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax  
Amortized Cost [Abstract]      
Within One Year 37,087us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost    
After One, But Within Five Years 172,100us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost    
After Five, But Within Ten Years 5,433us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost    
After Ten Years 0us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost    
Total 277,038us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis    
Fair Value [Abstract]      
Within One Year 37,552us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue    
After One, But Within Five Years 173,534us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue    
After Five, But Within Ten Years 5,599us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue    
After Ten Years 0us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue    
Total 279,987us-gaap_AvailableForSaleSecuritiesDebtSecurities    
Proceeds from sales and calls of securities resulting in gains or losses [Abstract]      
Proceeds 36,258us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt 2,650us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt 26,210us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
Gross gains 6,869us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet 16us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet 301us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet
Tax expense 2,641chmg_TaxExpenseFromSaleOfAvailableForSaleSecuritiesDebt 6chmg_TaxExpenseFromSaleOfAvailableForSaleSecuritiesDebt 116chmg_TaxExpenseFromSaleOfAvailableForSaleSecuritiesDebt
Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 180,535us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 187,098us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		  
Estimated Fair Value 181,673us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 188,106us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		  
Unrealized Gains 1,300us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 1,914us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		  
Unrealized Losses 162us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
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/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		  
Mortgage-Backed Securities, Residential [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 60,787us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 104,069us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		  
Estimated Fair Value 61,660us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 104,356us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		  
Unrealized Gains 892us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 1,037us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		  
Unrealized Losses 19us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 750us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		  
Amortized Cost [Abstract]      
Without Single Maturity Date 60,787us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		    
Fair Value [Abstract]      
Without Single Maturity Date 61,660us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		    
Collateralized Mortgage Obligations [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 335us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		 1,001us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		  
Estimated Fair Value 338us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		 1,015us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		  
Unrealized Gains 3us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		 14us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		  
Unrealized Losses 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		  
Amortized Cost [Abstract]      
Without Single Maturity Date 335us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		    
Fair Value [Abstract]      
Without Single Maturity Date 338us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedMortgageObligationsMember		    
Obligations of States and Political Subdivisions [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 30,677us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 37,339us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		  
Estimated Fair Value 31,451us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 38,376us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		  
Unrealized Gains 802us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 1,059us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		  
Unrealized Losses 28us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 22us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		  
Corporate Bonds and Notes [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 1,502us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 2,879us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Estimated Fair Value 1,533us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 2,946us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Unrealized Gains 35us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 76us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Unrealized Losses 4us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 9us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
SBA Loan Pools [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 1,296us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		 1,471us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Estimated Fair Value 1,304us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		 1,488us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Unrealized Gains 11us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		 17us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Unrealized Losses 3us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Amortized Cost [Abstract]      
Without Single Maturity Date 1,296us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		    
Fair Value [Abstract]      
Without Single Maturity Date 1,304us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		    
Trust Preferred Securities [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 1,906us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		 1,898us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		  
Estimated Fair Value 2,028us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		 2,034us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		  
Unrealized Gains 122us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		 136us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		  
Unrealized Losses 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_TrustPreferredSecuritiesMember		  
Corporate Stocks [Member]      
Amortized cost and estimated fair value of securities available for sale [Abstract]      
Amortized Cost 285us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 444us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		  
Estimated Fair Value 520us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 7,695us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		  
Unrealized Gains 235us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 7,253us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		  
Unrealized Losses $ 0us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 $ 2us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		  
XML 33 R42.htm IDEA: XBRL DOCUMENT v2.4.1.9
PARENT COMPANY FINANCIAL INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2014
PARENT COMPANY FINANCIAL INFORMATION [Abstract]  
Parent Company Statement of Financial Position
Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting) (amounts in thousands):

BALANCE SHEETS - DECEMBER 31
 
2014
  
2013
 
Assets:
    
Cash on deposit with subsidiary bank
 
$
3,200
  
$
2,686
 
Investment in subsidiary - Chemung Canal Trust Company
  
128,081
   
133,557
 
Investment in subsidiary - CFS Group, Inc.
  
908
   
779
 
Dividends receivable from subsidiary bank
  
1,204
   
1,195
 
Securities available for sale, at estimated fair value
  
346
   
343
 
Other assets
  
1,129
   
1,254
 
Total assets
 
$
134,868
  
$
139,814
 
Liabilities and shareholders' equity:
        
Dividends payable
  
1,204
   
1,195
 
Other liabilities
  
36
   
41
 
Total liabilities
  
1,240
   
1,236
 
Shareholders' equity:
        
Total shareholders' equity
  
133,628
   
138,578
 
Total liabilities and shareholders' equity
 
$
134,868
  
$
139,814
 
Parent Company Statement of Income
STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
 
2014
  
2013
  
2012
 
Dividends from subsidiary bank
 
$
4,805
  
$
4,778
  
$
4,573
 
Interest and dividend income
  
10
   
9
   
7
 
Other income
  
-
   
132
   
150
 
Operating expenses
  
261
   
324
   
331
 
Income before impact of subsidiaries' undistributed earnings
  
4,554
   
4,595
   
4,399
 
Equity in undistributed earnings of Chemung Canal Trust Company
  
3,307
   
3,873
   
6,411
 
Equity in undistributed earnings of CFS Group, Inc.
  
129
   
139
   
54
 
Income before income tax
  
7,990
   
8,607
   
10,864
 
Income tax benefit
  
(167
)
  
(124
)
  
(158
)
Net Income
 
$
8,157
  
$
8,731
  
$
11,022
 
Parent Company Statement of Cash Flows
STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
 
2014
  
2013
  
2012
 
Cash flows from operating activities:
      
Net Income
 
$
8,157
  
$
8,731
  
$
11,022
 
Adjustments to reconcile net income to net cash provided by operating activities:
            
Equity in undistributed earnings of Chemung Canal Trust Company
  
(3,307
)
  
(3,873
)
  
(6,411
)
Equity in undistributed earnings of CFS Group, Inc.
  
(129
)
  
(139
)
  
(54
)
Change in dividend receivable
  
(9
)
  
(1,195
)
  
1,141
 
Change in other assets
  
126
   
558
   
765
 
Change in other liabilities
  
110
   
79
   
48
 
Expense related to employee stock compensation
  
117
   
112
   
80
 
Expense related to restricted stock units for directors' deferred compensation plan
  
94
   
99
   
87
 
Expense to employee restricted stock awards
  
151
   
131
   
80
 
Net cash provided by operating activities
  
5,310
   
4,503
   
6,758
 
Cash flow from financing activities:
            
Cash dividends paid
  
(4,796
)
  
(3,583
)
  
(5,714
)
Purchase of treasury stock
  
-
   
(93
)
  
(636
)
Sale of treasury stock
  
-
   
71
   
258
 
Net cash used in financing activities
  
(4,796
)
  
(3,605
)
  
(6,092
)
Increase in cash and cash equivalents
  
514
   
898
   
666
 
Cash and cash equivalents at beginning of year
  
2,686
   
1,788
   
1,122
 
Cash and cash equivalents at end of year
 
$
3,200
  
$
2,686
  
$
1,788
 
XML 34 R75.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUES, Quantitative Information (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Fair Value Inputs, Liabilities, Quantitative Information [Line Items]      
Impaired loan valuation allowance $ 1,235us-gaap_ImpairedFinancingReceivableRelatedAllowance $ 1,046us-gaap_ImpairedFinancingReceivableRelatedAllowance  
Provision for loan losses 3,981us-gaap_ProvisionForLoanAndLeaseLosses 2,755us-gaap_ProvisionForLoanAndLeaseLosses 828us-gaap_ProvisionForLoanAndLeaseLosses
Write down of OREO 4,278us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs 1,493us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs 1,273us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Impaired Loans [Member]      
Fair Value Inputs, Liabilities, Quantitative Information [Line Items]      
Principal balance of impaired loans 4,900us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		 2,000us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		  
Impaired loan valuation allowance 1,200us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		 1,000us-gaap_ImpairedFinancingReceivableRelatedAllowance
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		  
Provision for loan losses 232us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		 853us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember		  
OREO [Member]      
Fair Value Inputs, Liabilities, Quantitative Information [Line Items]      
Net carrying amount of OREO 3,100chmg_OtherRealEstateOwnedCarryingValueNet
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		 538chmg_OtherRealEstateOwnedCarryingValueNet
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		  
Outstanding balance of OREO 3,100us-gaap_OtherRealEstateAndForeclosedAssets
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		 732us-gaap_OtherRealEstateAndForeclosedAssets
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		  
Other real estate owned valuation allowance 2us-gaap_RealEstateOwnedValuationAllowanceComponent
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		 194us-gaap_RealEstateOwnedValuationAllowanceComponent
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		  
Write down of OREO   2us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember		  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Real Estate and a 100% Discount of Personal Property [Member] | Impaired Loans [Member]      
Fair Value Inputs, Liabilities, Quantitative Information [Line Items]      
Fair value 3,645us-gaap_AssetsFairValueDisclosureNonrecurring
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
/ us-gaap_ValuationTechniqueAxis
= chmg_ThirdPartyRealEstateAndA100DiscountOfPersonalPropertyMember		 999us-gaap_AssetsFairValueDisclosureNonrecurring
/ us-gaap_FairValueByAssetClassAxis
= chmg_ImpairedLoansMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
/ us-gaap_ValuationTechniqueAxis
= chmg_ThirdPartyRealEstateAndA100DiscountOfPersonalPropertyMember		  
Unobservable input 1 Management discount based on underlying collateral characteristics and market conditions Management discount based on underlying collateral characteristics and market conditions  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | OREO [Member]      
Fair Value Inputs, Liabilities, Quantitative Information [Line Items]      
Fair value $ 3,065us-gaap_AssetsFairValueDisclosureNonrecurring
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
/ us-gaap_ValuationTechniqueAxis
= us-gaap_MarketApproachValuationTechniqueMember		 $ 538us-gaap_AssetsFairValueDisclosureNonrecurring
/ us-gaap_FairValueByAssetClassAxis
= chmg_OtherRealEstateOwnedMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementFrequencyAxis
= us-gaap_FairValueMeasurementsNonrecurringMember
/ us-gaap_ValuationTechniqueAxis
= us-gaap_MarketApproachValuationTechniqueMember		  
Unobservable input 1 Estimated holding period Estimated holding period  
Unobservable input 2 Estimated closing costs Estimated closing costs  
XML 35 R37.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2014
INCOME TAXES [Abstract]  
Components of Income Tax Expense Attributable to Income from Operations
For the years ended December 31, 2014, 2013 and 2012, income tax expense attributable to income from operations consisted of the following (amounts in thousands):

Current:
 
2014
  
2013
  
2012
 
State
 
$
606
  
$
395
  
$
530
 
Federal
  
5,366
   
3,548
   
4,208
 
   
5,972
   
3,943
   
4,738
 
Deferred expense/(benefit)
  
(2,263
)
  
(121
)
  
647
 
  
$
3,709
  
$
3,822
  
$
5,385
 
Reconciliation of Income Tax Expense
Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows (amounts in thousands):

  
2014
  
2013
  
2012
 
Tax computed at statutory rate
 
$
4,034
  
$
4,268
  
$
5,578
 
Tax-exempt interest
  
(456
)
  
(483
)
  
(506
)
Dividend exclusion
  
(60
)
  
(46
)
  
(40
)
State taxes, net of Federal impact
  
227
   
188
   
439
 
Nondeductible interest expense
  
8
   
11
   
16
 
Other items, net
  
(44
)
  
(116
)
  
(102
)
Income tax expense
 
$
3,709
  
$
3,822
  
$
5,385
 
Deferred Tax Assets and Deferred Tax Liabilities
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2014 and 2013, are presented below (amounts in thousands):

 
 
2014
  
2013
 
Deferred tax assets:
 
  
 
Allowance for loan losses
 
$
5,182
  
$
4,889
 
Accrual for employee benefit plans
  
709
   
754
 
Depreciation
  
1,010
   
431
 
Deferred compensation and directors' fees
  
1,076
   
947
 
Purchase accounting adjustment – deposits
  
65
   
137
 
Purchase accounting adjustment – loans
  
259
   
340
 
Purchase accounting adjustment - fixed assets
  
221
   
224
 
Accounting for defined benefit pension and other benefit plans
  
6,624
   
3,691
 
Trust preferred impairment write down
  
540
   
742
 
Nonaccrued interest
  
617
   
626
 
Accrued expense
  
1,580
   
-
 
Other
  
456
   
647
 
    Total gross deferred tax assets
  
18,339
   
13,428
 

Deferred tax liabilities:
    
Deferred loan fees and costs
  
910
   
929
 
Prepaid pension
  
5,179
   
5,435
 
Net unrealized gains on securities available for sale
  
1,359
   
3,929
 
Discount accretion
  
410
   
352
 
Core deposit intangible
  
1,479
   
1,556
 
Other
  
153
   
144
 
    Total gross deferred tax liabilities
  
9,490
   
12,345
 
      Net deferred tax asset
 
$
8,849
  
$
1,083
 
XML 36 R52.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES, INVESTMENT SECURITIES AVAILABLE FOR SALE IN CONTINUOUS UNREALIZED LOSS POSITION (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months $ 73,464us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue $ 151,782us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
12 months or longer 6,560us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue 1,980us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
Total 80,024us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue 153,762us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 150us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss 1,648us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
12 months or longer 66us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss 41us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
Total 216us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss 1,689us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months 57,512us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 83,840us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
12 months or longer 4,945us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 1,978us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Total 62,457us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 85,818us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 108us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 867us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
12 months or longer 54us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 39us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Total 162us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember		 906us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember
Mortgage-Backed Securities, Residential [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months 11,051us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 63,115us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
12 months or longer 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Total 11,051us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 63,115us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 19us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 750us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
12 months or longer 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Total 19us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember		 750us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_ResidentialMortgageBackedSecuritiesMember
Obligations of States and Political Subdivisions [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months 4,625us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 4,589us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
12 months or longer 1,056us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total 5,681us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 4,589us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 22us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 22us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
12 months or longer 6us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total 28us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 22us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Corporate Bonds and Notes [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 238us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
12 months or longer 243us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Total 243us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 238us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 9us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
12 months or longer 4us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Total 4us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 9us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Corporate Stocks [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months   0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
12 months or longer   2us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Total   2us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months   0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
12 months or longer   2us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Total   2us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
SBA Loan Pools [Member]    
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]    
Less than 12 months 276us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
12 months or longer 316us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Total 592us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]    
Less than 12 months 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
12 months or longer 2us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
Total $ 3us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= chmg_SbaLoansMember		  
XML 37 R67.htm IDEA: XBRL DOCUMENT v2.4.1.9
PENSION PLAN AND OTHER BENEFIT PLANS, Changes in Projected Benefit Obligation and Plan Assets, and Funded Status (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Pension Plan [Member]      
Changes in projected benefit obligation [Roll Forward]      
Benefit obligation, beginning of period $ 36,186us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 $ 38,051us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Service cost 1,045us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,195us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,074us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Interest cost 1,738us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,587us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,606us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Actuarial (gain) loss 8,064us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (3,269)us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Benefits paid (1,489)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (1,378)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Benefit obligation, end of period 45,544us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 36,186us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 38,051us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Changes in plan assets [Roll Forward]      
Fair value of plan assets, beginning of period 41,782us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 37,239us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Actual return on plan assets 3,043us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5,921us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Employer contributions 0us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Benefits paid (1,489)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (1,378)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Fair value of plan assets, end of period 43,336us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 41,782us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 37,239us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Funded status [Abstract]      
Funded (unfunded) status (2,207)us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5,596us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Defined Benefit Health Care Plan [Member]      
Changes in projected benefit obligation [Roll Forward]      
Benefit obligation, beginning of period 1,490us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 1,534us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Service cost 39us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 44us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 39us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Interest cost 72us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 66us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 71us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Participant contributions 84us-gaap_DefinedBenefitPlanContributionsByPlanParticipants
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 74us-gaap_DefinedBenefitPlanContributionsByPlanParticipants
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Actuarial (gain) loss 177us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (61)us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Benefits paid (199)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (167)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Benefit obligation, end of period 1,663us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 1,490us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 1,534us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Changes in plan assets [Roll Forward]      
Fair value of plan assets, beginning of period 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Employer contributions 115us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 93us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Participant contributions 84us-gaap_DefinedBenefitPlanContributionsByPlanParticipants
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 74us-gaap_DefinedBenefitPlanContributionsByPlanParticipants
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Benefits paid (199)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (167)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Fair value of plan assets, end of period 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Funded status [Abstract]      
Funded (unfunded) status (1,663)us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (1,490)us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Executive Supplemental Pension Plan [Member]      
Changes in projected benefit obligation [Roll Forward]      
Benefit obligation, beginning of period 1,116us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 1,162us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Service cost 38us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 40us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 35us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Interest cost 55us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 48us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 51us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Actuarial (gain) loss 110us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (59)us-gaap_DefinedBenefitPlanActuarialGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Benefits paid (75)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (75)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Benefit obligation, end of period 1,244us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 1,116us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 1,162us-gaap_DefinedBenefitPlanBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Changes in plan assets [Roll Forward]      
Fair value of plan assets, beginning of period 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Employer contributions 75us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 75us-gaap_DefinedBenefitPlanContributionsByEmployer
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Benefits paid (75)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (75)us-gaap_DefinedBenefitPlanBenefitsPaid
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Fair value of plan assets, end of period 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Funded status [Abstract]      
Funded (unfunded) status $ (1,244)us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 $ (1,116)us-gaap_DefinedBenefitPlanFundedStatusOfPlan
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
XML 38 R61.htm IDEA: XBRL DOCUMENT v2.4.1.9
PREMISES AND EQUIPMENT (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Premises and equipment [Abstract]      
Premises and equipment, gross $ 86,184,000us-gaap_PropertyPlantAndEquipmentGross $ 80,143,000us-gaap_PropertyPlantAndEquipmentGross  
Less accumulated depreciation and amortization 53,897,000us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment 50,104,000us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment  
Property, Plant and Equipment, Net, Total 32,287,000us-gaap_PropertyPlantAndEquipmentNet 30,039,000us-gaap_PropertyPlantAndEquipmentNet  
Depreciation expense 3,861,000us-gaap_Depreciation 3,236,000us-gaap_Depreciation 2,946,000us-gaap_Depreciation
Rent expense 2,000,000us-gaap_OperatingLeasesRentExpenseNet 1,300,000us-gaap_OperatingLeasesRentExpenseNet 1,100,000us-gaap_OperatingLeasesRentExpenseNet
Rent commitments, before considering renewal options [Abstract]      
2015 1,429,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent    
2016 1,166,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears    
2017 1,143,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears    
2018 1,147,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears    
2019 834,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears    
2020 and thereafter 4,154,000us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter    
Total 9,873,000us-gaap_OperatingLeasesFutureMinimumPaymentsDue    
Leases in premises and equipment [Abstract]      
Buildings 3,537,000us-gaap_CapitalLeasedAssetsGross 0us-gaap_CapitalLeasedAssetsGross  
Accumulated depreciation 0us-gaap_CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation 0us-gaap_CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation  
Total 3,537,000us-gaap_CapitalLeasesBalanceSheetAssetsByMajorClassNet 0us-gaap_CapitalLeasesBalanceSheetAssetsByMajorClassNet  
Schedule by year of future minimum lease payments under the capitalized lease [Abstract]      
2015 234,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueCurrent    
2016 234,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueInTwoYears    
2017 234,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueInThreeYears    
2018 234,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueInFourYears    
2019 234,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueInFiveYears    
2020 and thereafter 2,644,000us-gaap_CapitalLeasesFutureMinimumPaymentsDueThereafter    
Total minimum lease payments 3,814,000us-gaap_CapitalLeasesFutureMinimumPaymentsDue    
Less amount representing interest 838,000us-gaap_CapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments    
Present value of net minimum lease payments 2,976,000us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments    
Land [Member]      
Premises and equipment [Abstract]      
Premises and equipment, gross 4,803,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_LandMember		 4,803,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_LandMember		  
Buildings [Member]      
Premises and equipment [Abstract]      
Premises and equipment, gross 35,067,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_BuildingMember		 34,379,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_BuildingMember		  
Projects in Progress [Member]      
Premises and equipment [Abstract]      
Premises and equipment, gross 132,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_ConstructionInProgressMember		 0us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_ConstructionInProgressMember		  
Equipment and Furniture [Member]      
Premises and equipment [Abstract]      
Premises and equipment, gross 40,088,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_EquipmentMember		 34,920,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_EquipmentMember		  
Leasehold Improvements [Member]      
Premises and equipment [Abstract]      
Premises and equipment, gross $ 6,094,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_LeaseholdImprovementsMember		 $ 6,041,000us-gaap_PropertyPlantAndEquipmentGross
/ us-gaap_PropertyPlantAndEquipmentByTypeAxis
= us-gaap_LeaseholdImprovementsMember		  
XML 39 R47.htm IDEA: XBRL DOCUMENT v2.4.1.9
BRANCH ACQUISITION (Tables)
 12 Months Ended
Dec. 31, 2014
BRANCH ACQUISITION [Abstract]  
Schedule of Assets Acquired and Deposits Assumed in Transaction
The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
 
$
170,904
 
Loans
  
1,240
 
Bank premises and equipment
  
4,081
 
Core deposit intangible asset
  
2,155
 
Other assets
  
350
 
Total assets acquired
 
$
178,730
 
     
Deposits assumed
 
$
177,749
 
Time deposit premium
  
263
 
Other liabilities
  
718
 
Total liabilities assumed
 
$
178,730
 
XML 40 R9.htm IDEA: XBRL DOCUMENT v2.4.1.9
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
(1)            SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.

Bank:  Chemung Canal Trust Company
FRBNY:  Federal Reserve Bank of New York
CDO: Collateralized Debt Obligation
Freddie Mac:  Federal Home Loan Mortgage Corporation
Corporation: Chemung Financial Corporation
GAAP:  U.S. generally accepted accounting principles
FASB:  Financial Accounting Standards Board
OTTI:  Other-than-temporary impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased credit impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
FRB:  Board of Governors of the Federal Reserve System
TDRs:  Troubled debt restructurings

ORGANIZATION

The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.

BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.

SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.

FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.

BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.

LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.

LOANS

Loans are stated at the amount of unpaid principal balance net of deferred loan fees.  Additionally, recorded investment in loans includes interest receivable on loans.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.

Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non-accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.

ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.

TROUBLED DEBT RESTRUCTURINGS

A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.

ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.

A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.

OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.

INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.

WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.956 billion at December 31, 2014 and $1.888 billion at December 31, 2013.

POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.

Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.
 
STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.  The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.  All directors’ fees are charged to other operating expense in the consolidated statements of income.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed 20,000 per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31st of the calendar year.  The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.

Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.  To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.  The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.
 
Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.  The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.  The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.

GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2014.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2.4 million, $21 thousand, $8 thousand, $1.1 million and $1.6 million, respectively, at December 31, 2014.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, and Canton Bancorp, Inc. acquisitions are being amortized to expense using a 7.25 year accelerated method.  The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.

ADVERTISING COSTS

Costs for advertising products and services or for promoting our corporate image are expensed as incurred.

EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.

COMPREHENSIVE INCOME (LOSS)

Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.

CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.

TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.

OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.

SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.

RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform to the current year's presentation.

SUBSEQUENT EVENTS
 
The Corporation has evaluated subsequent events for recognition and disclosure through March, 13, 2015, which is the date the financial statements were available to be issued.
 
XML 41 R62.htm IDEA: XBRL DOCUMENT v2.4.1.9
GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Goodwill [Roll Forward]      
Beginning of year $ 21,824us-gaap_Goodwill $ 21,824us-gaap_Goodwill  
Acquired goodwill 0us-gaap_GoodwillAcquiredDuringPeriod 0us-gaap_GoodwillAcquiredDuringPeriod  
End of period 21,824us-gaap_Goodwill 21,824us-gaap_Goodwill 21,824us-gaap_Goodwill
Acquired Finite-Lived Intangible Assets [Line Items]      
Balance Acquired 11,608us-gaap_FinitelivedIntangibleAssetsAcquired1 12,038us-gaap_FinitelivedIntangibleAssetsAcquired1  
Accumulated Amortization 6,541us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization 5,661us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization  
Aggregate amortization expense 1,310us-gaap_AmortizationOfIntangibleAssets 921us-gaap_AmortizationOfIntangibleAssets 1,047us-gaap_AmortizationOfIntangibleAssets
Remaining estimated aggregate amortization expense [Abstract]      
2015 1,136us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths    
2016 986us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo    
2017 859us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree    
2018 734us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour    
2019 609us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive    
2020 and thereafter 743us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive    
Total 5,067us-gaap_FiniteLivedIntangibleAssetsNet    
Core Deposit Intangibles [Member]      
Acquired Finite-Lived Intangible Assets [Line Items]      
Balance Acquired 5,975us-gaap_FinitelivedIntangibleAssetsAcquired1
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CoreDepositsMember		 5,975us-gaap_FinitelivedIntangibleAssetsAcquired1
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CoreDepositsMember		  
Accumulated Amortization 3,279us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CoreDepositsMember		 2,338us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CoreDepositsMember		  
Other Customer Relationship Intangibles [Member]      
Acquired Finite-Lived Intangible Assets [Line Items]      
Balance Acquired 5,633us-gaap_FinitelivedIntangibleAssetsAcquired1
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CustomerRelationshipsMember		 6,063us-gaap_FinitelivedIntangibleAssetsAcquired1
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CustomerRelationshipsMember		  
Accumulated Amortization $ 3,262us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CustomerRelationshipsMember		 $ 3,323us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization
/ us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis
= us-gaap_CustomerRelationshipsMember		  
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M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^ M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@ M("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S M/3-$'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`@(#QT9"!C;&%S'0^/'-P86X^/"]S<&%N/CPO=&0^#0H@ M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S'0^/'-P86X^ M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO M8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\Y,3DX-V(T95\Y M-F(U7S0Y83=?83&UL#0I#;VYT96YT+51R86YS9F5R M+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E M>'0O:'1M;#L@8VAA&UL;G,Z;STS M1")U XML 43 R43.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUES (Tables)
 12 Months Ended
Dec. 31, 2014
FAIR VALUES [Abstract]  
Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are summarized below (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
  
Significant
Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
181,673
  
$
31,115
  
$
150,558
  
$
-
 
Mortgage-backed securities, residential
  
61,660
   
-
   
61,660
   
-
 
Collateralized mortgage obligations
  
338
   
-
   
338
   
-
 
Obligations of states and political subdivisions
  
31,451
   
-
   
31,451
   
-
 
Corporate bonds and notes
  
1,533
   
-
   
1,533
   
-
 
SBA loan pools
  
1,304
   
-
   
1,304
   
-
 
Trust Preferred securities
  
2,028
   
-
   
2,028
   
-
 
Corporate stocks
  
520
   
104
   
416
   
-
 
Total available for sale securities
 
$
280,507
  
$
31,219
  
$
249,288
  
$
-
 
                 
Trading assets
 
$
549
  
$
549
  
$
-
  
$
-
 
 
  
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active Markets for Identical Assets (Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
188,106
  
$
31,262
  
$
156,844
  
$
-
 
Mortgage-backed securities, residential
  
104,356
   
-
   
104,356
   
-
 
Collateralized mortgage obligations
  
1,015
   
-
   
1,015
   
-
 
Obligations of states and political subdivisions
  
38,376
   
-
   
38,376
   
-
 
Corporate bonds and notes
  
2,946
   
-
   
2,946
   
-
 
SBA loan pools
  
1,488
   
-
   
1,488
   
-
 
Trust Preferred securities
  
2,034
   
-
   
2,034
   
-
 
Corporate stocks
  
7,695
   
7,279
   
416
   
-
 
Total available for sale securities
 
$
346,016
  
$
38,541
  
$
307,475
  
$
-
 
                 
Trading assets
 
$
366
  
$
366
  
$
-
  
$
-
 
Reconciliation of All Assets Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs (Level 3)
The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2014 and 2013:

Trust Preferred Securities Available for Sale
 
Fair Value Measurement
twelve-months ended
December 31, 2014 Using
Significant Unobservable
Inputs (Level 3)
  
Fair Value Measurement
twelve-months ended
December 31, 2013 Using
Significant Unobservable
Inputs (Level 3)
 
Beginning balance
 
$
-
  
$
445,600
 
Total gains/losses (realized/unrealized):
        
Included in earnings:
        
Impairment charge on investment securities
  
-
   
(29,025
)
Included in other comprehensive income
  
-
   
183,425
 
Transfers in and/or out of Level 3
  
-
   
(600,000
)
Ending balance, December 31
 
$
-
  
$
-
 
Summary of Assets and Liabilities Measured at Fair Value on Non-recurring Basis
Assets and liabilities measured at fair value on a non-recurring basis are summarized below (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
        
Commercial mortgages:
        
Commercial mortgages
 
$
3,593
  
$
-
  
$
-
  
$
2,905
 
Consumer loans:
                
Home equity lines and loans
  
52
   
-
   
-
   
52
 
Total Impaired Loans
 
$
3,645
  
$
-
  
$
-
  
$
2,957
 
                 
Other real estate owned:
                
Commercial mortgages:
                
Commercial mortgages
 
$
3,063
  
$
-
  
$
-
  
$
3,063
 
Consumer loans:
                
Home equity lines and loans
  
2
   
-
   
-
   
2
 
Total Other Real Estate Owned, net
 
$
3,065
  
$
-
  
$
-
  
$
3,065
 

  
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
        
Commercial and agricultural:
        
Commercial and industrial
 
$
460
  
$
-
  
$
-
  
$
460
 
Commercial mortgages:
                
Commercial mortgages
  
485
   
-
   
-
   
485
 
Consumer loans:
                
Home equity lines and loans
  
54
   
-
   
-
   
54
 
Total Impaired Loans
 
$
999
  
$
-
  
$
-
  
$
999
 
                 
Other real estate owned:
                
Commercial and agricultural:
                
Commercial and industrial
 
$
101
  
$
-
  
$
-
  
$
101
 
Commercial mortgages:
                
Commercial mortgages
  
266
   
-
   
-
   
266
 
Residential mortgages
  
106
   
-
   
-
   
106
 
Consumer loans:
                
Home equity lines and loans
  
65
   
-
   
-
   
65
 
Total Other Real Estate Owned, net
 
$
538
  
$
-
  
$
-
  
$
538
 
Information Related To Level 3 Non-Recurring Fair Value Measurement
The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2014 and December 31, 2013 (amounts in thousands):

Description
 
Fair Value at December 31, 2014
 
Technique
 
Unobservable Inputs
Impaired loans
 
$
3,645
 
Third party real estate and a 100% discount of personal property
  
1
 
Management discount based on underlying collateral characteristics and market conditions
                
OREO
 
$
3,065
 
Third party appraisals
  
1
 
Estimated holding  period
        
2
 
Estimated closing costs

Description
 
Fair Value at December 31, 2013
 
Technique
 
Unobservable Inputs
Impaired loans
 
$
999
 
Third party real estate and a 100% discount of personal property
  
1
 
Management discount based on underlying collateral characteristics and market conditions
                
OREO
 
$
538
 
Third party appraisals
  
1
 
Estimated holding  period
        
2
 
Estimated closing costs
Carrying Value and Estimated Fair Value of Other Financial Instruments
The carrying amounts and estimated fair values of other financial instruments, at December 31, 2014 and December 31, 2013, are as follows (amounts in thousands):

  
Fair Value Measurements at December 31, 2014 Using
 
Financial assets:
 
Carrying Amount
  
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
  
Estimated
Fair Value (1)
 
Cash and due from financial institutions
 
$
28,130
  
$
28,130
  
$
-
  
$
-
  
$
28,130
 
Interest-bearing deposits in other financial institutions
  
1,033
   
1,033
   
-
   
-
   
1,033
 
Trading assets
  
549
   
549
   
-
   
-
   
549
 
Securities available for sale
  
280,507
   
31,219
   
249,288
   
-
   
280,507
 
Securities held to maturity
  
5,831
   
-
   
6,197
   
-
   
6,197
 
FHLBNY and FRBNY stock
  
5,535
   
-
   
-
   
-
   
N/A
 
Loans, net
  
1,107,888
   
-
   
-
   
1,135,590
   
1,135,590
 
Loans held for sale
  
665
   
-
   
665
   
-
   
665
 
Accrued interest receivable
  
4,185
   
145
   
1,295
   
2,745
   
4,185
 
                     
Financial liabilities:
                    
Deposits:
                    
Demand, savings, and insured money market accounts
 
$
1,068,171
  
$
1,068,171
  
$
-
  
$
-
  
$
1,068,171
 
Time deposits
  
211,843
   
-
   
212,397
   
-
   
212,397
 
Securities sold under agreements to repurchase
  
29,652
   
-
   
30,853
   
-
   
30,853
 
FHLBNY overnight advances
  
30,830
   
-
   
30,832
   
-
   
30,832
 
FHLBNY term advances
  
19,310
   
-
   
20,235
   
-
   
20,235
 
Accrued interest payable
  
237
   
15
   
222
   
-
   
237
 
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
 
  
Fair Value Measurements at December 31, 2013 Using
 
Financial Assets:
 
Carrying Amount
  
Quoted Prices
in Active Markets
for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
  
Estimated Fair Value (1)
 
Cash and due from financial institutions
 
$
31,600
  
$
31,600
  
$
-
  
$
-
  
$
31,600
 
Interest-bearing deposits in other financial institutions
  
20,009
   
20,009
   
-
   
-
   
20,009
 
Trading assets
  
366
   
366
   
-
   
-
   
366
 
Securities available for sale
  
346,016
   
38,541
   
307,475
   
-
   
346,016
 
Securities held to maturity
  
6,495
   
-
   
6,930
   
-
   
6,930
 
FHLBNY and FRBNY stock
  
4,482
   
-
   
-
   
-
   
N/A
 
Loans, net
  
983,090
   
-
   
-
   
1,008,826
   
1,008,826
 
Loans held for sale
  
695
   
-
   
695
   
-
   
695
 
Accrued interest receivable
  
4,166
   
145
   
1,468
   
2,553
   
4,166
 
                     
Financial liabilities:
                    
Deposits:
                    
Demand, savings, and insured money market accounts
 
$
1,021,764
  
$
1,021,764
  
$
-
  
$
-
  
$
1,021,764
 
Time deposits
  
244,492
   
-
   
245,482
   
-
   
245,482
 
Securities sold under agreements to repurchase
  
32,701
   
-
   
33,636
   
-
   
33,636
 
FHLBNY Advances
  
25,243
   
-
   
26,064
   
-
   
26,064
 
Accrued interest payable
  
336
   
15
   
170
   
151
   
336
 
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
XML 44 R29.htm IDEA: XBRL DOCUMENT v2.4.1.9
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
ORGANIZATION
ORGANIZATION

The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.
BASIS OF PRESENTATION
BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.
SECURITIES
SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.
FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK
FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.
BANK OWNED LIFE INSURANCE
BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.
LOANS HELD FOR SALE
LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.
LOANS
LOANS

Loans are stated at the amount of unpaid principal balance net of deferred loan fees.  Additionally, recorded investment in loans includes interest receivable on loans.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.

Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non-accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.
ACQUIRED LOANS
ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.
TROUBLED DEBT RESTRUCTURINGS
TROUBLED DEBT RESTRUCTURINGS

A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.
ALLOWANCE FOR LOAN LOSSES
ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.

A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.
OTHER REAL ESTATE
OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.
INCOME TAXES
INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.
WEALTH MANAGEMENT GROUP FEE INCOME
WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.956 billion at December 31, 2014 and $1.888 billion at December 31, 2013.
POSTRETIREMENT BENEFITS
POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.

Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.
STOCK-BASED COMPENSATION
STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.  The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.  All directors’ fees are charged to other operating expense in the consolidated statements of income.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed 20,000 per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31st of the calendar year.  The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.

Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.  To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.  The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.
 
Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.  The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.  The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.
GOODWILL AND INTANGIBLE ASSETS
GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2014.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2.4 million, $21 thousand, $8 thousand, $1.1 million and $1.6 million, respectively, at December 31, 2014.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, and Canton Bancorp, Inc. acquisitions are being amortized to expense using a 7.25 year accelerated method.  The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.
ADVERTISING COSTS
ADVERTISING COSTS

Costs for advertising products and services or for promoting our corporate image are expensed as incurred.
EARNINGS PER COMMON SHARE
EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.
COMPREHENSIVE INCOME
COMPREHENSIVE INCOME (LOSS)

Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.
CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.
TRADING ASSETS
TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.
OTHER FINANCIAL INSTRUMENTS
OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.
SEGMENT REPORTING
SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.
RECLASSIFICATION
RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform to the current year's presentation.
SUBSEQUENT EVENTS
SUBSEQUENT EVENTS
 
The Corporation has evaluated subsequent events for recognition and disclosure through March, 13, 2015, which is the date the financial statements were available to be issued.
 
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BRANCH ACQUISITION
 12 Months Ended
Dec. 31, 2014
BRANCH ACQUISITION [Abstract]  
BRANCH ACQUISITION
(20)            BRANCH ACQUISITION

On July 10, 2013, the Bank entered into an agreement with Bank of America to acquire six branch offices in Auburn, Cortland, Ithaca and Seneca Falls, New York.  Under the terms of the agreement, the Bank purchased the related branch premises and certain performing loans, and assumed the related deposits.  The transaction was completed on November 23, 2013.  The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
 
$
170,904
 
Loans
  
1,240
 
Bank premises and equipment
  
4,081
 
Core deposit intangible asset
  
2,155
 
Other assets
  
350
 
Total assets acquired
 
$
178,730
 
     
Deposits assumed
 
$
177,749
 
Time deposit premium
  
263
 
Other liabilities
  
718
 
Total liabilities assumed
 
$
178,730
 

The transaction was accounted for using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair values on the acquisition date.  Fair values are preliminary and in certain cases are subject to refinement for up to one year after the closing date of the acquisition as additional information relative to fair values becomes available.

The operating results of the acquired branch offices included in the Corporation’s consolidated statement of income for the year ended December 31, 2013 reflect only the amounts from the acquisition date through December 31, 2013.

The core deposit intangible asset of $2.2 million will be amortized on an accelerated basis over a period of approximately seven years.  The time deposit premium of $263 thousand will be accreted over the estimated remaining life of the related deposits as a reduction to interest expense.

Negative goodwill of $470 thousand was recorded as a gain from bargain purchase and was calculated as the purchase discount after adjusting for the fair value of net assets acquired.
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LOANS AND ALLOWANCE FOR LOAN LOSSES, ALLOWANCES (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: $ 12,776us-gaap_FinancingReceivableAllowanceForCreditLosses $ 10,433us-gaap_FinancingReceivableAllowanceForCreditLosses $ 9,659us-gaap_FinancingReceivableAllowanceForCreditLosses
Reclassification of acquired loan discount     124chmg_ReclassificationOfAcquiredLoanDiscount
Charge Offs (4,278)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs (1,493)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs (1,273)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Recoveries 1,207us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery 1,081us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery 1,095us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Net recoveries (charge offs) (3,071)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff (412)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff (178)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
Provision 3,981us-gaap_ProvisionForLoanAndLeaseLosses 2,755us-gaap_ProvisionForLoanAndLeaseLosses 828us-gaap_ProvisionForLoanAndLeaseLosses
Ending balance 13,686us-gaap_FinancingReceivableAllowanceForCreditLosses 12,776us-gaap_FinancingReceivableAllowanceForCreditLosses 10,433us-gaap_FinancingReceivableAllowanceForCreditLosses
Ending allowance balance attributable to loans [Abstract]      
Individually evaluated for impairment 1,235us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 1,046us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1  
Collectively evaluated for impairment 12,357us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment 10,340us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment  
Loans acquired with deteriorated credit quality 94us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality 1,390us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality  
Total ending allowance balance 13,686us-gaap_LoansAndLeasesReceivableAllowance 12,776us-gaap_LoansAndLeasesReceivableAllowance  
Loans [Abstract]      
Loans individually evaluated for impairment 15,904us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment 13,897us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment  
Loans collectively evaluated for impairment 1,105,819us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment 974,870us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment  
Loans acquired with deteriorated credit quality 2,631us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality 9,696us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality  
Total 1,124,354us-gaap_NotesReceivableNet 998,463us-gaap_NotesReceivableNet  
Commercial and Agricultural [Member]      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 1,979us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 1,708us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 3,143us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Reclassification of acquired loan discount     74chmg_ReclassificationOfAcquiredLoanDiscount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Charge Offs (444)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 (186)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 (181)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Recoveries 385us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 537us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 802us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Net recoveries (charge offs) (59)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 351chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 621chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Provision (460)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 (80)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 (2,130)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Ending balance 1,460us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 1,979us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 1,708us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Ending allowance balance attributable to loans [Abstract]      
Individually evaluated for impairment 89us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 576us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Collectively evaluated for impairment 1,335us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 1,403us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 36us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Total ending allowance balance 1,460us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 1,979us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Loans [Abstract]      
Loans individually evaluated for impairment 1,452us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 2,946us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Loans collectively evaluated for impairment 164,748us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 142,108us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 620us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 678us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Total 166,820us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 145,732us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		  
Commercial Mortgages [Member]      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 6,243us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 4,428us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 2,570us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Reclassification of acquired loan discount     50chmg_ReclassificationOfAcquiredLoanDiscount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Charge Offs (2,229)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 (44)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 (335)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Recoveries 156us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 98us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 55us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Net recoveries (charge offs) (2,073)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 54chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 (280)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Provision 2,156us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 1,761us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 2,088us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Ending balance 6,326us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 6,243us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 4,428us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Ending allowance balance attributable to loans [Abstract]      
Individually evaluated for impairment 1,145us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 466us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Collectively evaluated for impairment 5,145us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 4,407us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 36us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 1,370us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Total ending allowance balance 6,326us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 6,243us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Loans [Abstract]      
Loans individually evaluated for impairment 13,712us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 10,703us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Loans collectively evaluated for impairment 438,246us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 354,636us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 1,761us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 8,757us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Total 453,719us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 374,096us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		  
Residential Mortgages [Member]      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 1,517us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,565us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,310us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Reclassification of acquired loan discount     0chmg_ReclassificationOfAcquiredLoanDiscount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Charge Offs (97)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 (124)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 (83)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Recoveries 32us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 65us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Net recoveries (charge offs) (65)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 (59)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 (83)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Provision 120us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 11us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 338us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Ending balance 1,572us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,517us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,565us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Ending allowance balance attributable to loans [Abstract]      
Individually evaluated for impairment 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Collectively evaluated for impairment 1,550us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,497us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 22us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 20us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Total ending allowance balance 1,572us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 1,517us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Loans [Abstract]      
Loans individually evaluated for impairment 254us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 117us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Loans collectively evaluated for impairment 196,783us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 196,147us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 250us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 261us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Total 197,287us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 196,525us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		  
Consumer Loans [Member]      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 3,037us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 2,706us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 2,193us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Reclassification of acquired loan discount     0chmg_ReclassificationOfAcquiredLoanDiscount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Charge Offs (1,508)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 (1,139)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 (674)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Recoveries 634us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 381us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 238us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Net recoveries (charge offs) (874)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 (758)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 (436)chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Provision 2,165us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 1,089us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 949us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Ending balance 4,328us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 3,037us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 2,706us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Ending allowance balance attributable to loans [Abstract]      
Individually evaluated for impairment 1us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 4us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Collectively evaluated for impairment 4,327us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 3,033us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Total ending allowance balance 4,328us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 3,037us-gaap_LoansAndLeasesReceivableAllowance
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Loans [Abstract]      
Loans individually evaluated for impairment 486us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 131us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Loans collectively evaluated for impairment 306,042us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 281,979us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Total 306,528us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 282,110us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		  
Unallocated [Member]      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 0us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 26us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 443us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Reclassification of acquired loan discount     0chmg_ReclassificationOfAcquiredLoanDiscount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Charge Offs 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Net recoveries (charge offs) 0chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 0chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Provision 0us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 (26)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 (417)us-gaap_ProvisionForLoanAndLeaseLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
Ending balance $ 0us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 $ 0us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember		 $ 26us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_UnallocatedFinancingReceivablesMember
XML 47 R44.htm IDEA: XBRL DOCUMENT v2.4.1.9
REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
Actual Capital Amounts and Ratios of Corporation and Bank
The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (amounts in thousands):
 
  
Actual
  
Required To Be Adequately Capitalized
  
Required To Be Well
Capitalized
 
As of December 31, 2014
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
  
Consolidated
 
$
129,211
   
11.84
%
 
$
87,271
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
123,685
   
11.35
%
 
$
87,178
   
8.00
%
 
$
108,972
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
115,483
   
10.59
%
 
$
43,636
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
110,014
   
10.10
%
 
$
43,589
   
4.00
%
 
$
65,383
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
115,483
   
7.78
%
 
$
44,556
   
3.00
%
  
N/A
 
  
N/A
 
Bank
 
$
110,014
   
7.41
%
 
$
44,512
   
3.00
%
 
$
74,187
   
5.00
%
 
As of December 31, 2013
            
Total Capital (to Risk Weighted Assets):
            
Consolidated
 
$
126,299
   
12.10
%
 
$
83,484
   
8.00
%
  
N/A
 
  
N/A
 
Bank
 
$
121,222
   
11.63
%
 
$
83,369
   
8.00
%
 
$
104,211
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
110,260
   
10.57
%
 
$
41,742
   
4.00
%
  
N/A
 
  
N/A
 
Bank
 
$
105,239
   
10.10
%
 
$
41,684
   
4.00
%
 
$
62,527
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
110,260
   
8.08
%
 
$
40,940
   
3.00
%
  
N/A
 
  
N/A
 
Bank
 
$
105,239
   
7.72
%
 
$
40,900
   
3.00
%
 
$
68,167
   
5.00
%
XML 48 R30.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2014
SECURITIES [Abstract]  
Amortized Cost and Estimated Fair Value of Securities Available for Sale
Amortized cost and estimated fair value of securities available for sale at December 31, 2014 and 2013 are as follows (amounts in thousands):

  
2014
  
2013
 
  
Amortized Cost
  
Estimated Fair Value
  
Amortized Cost
  
Estimated Fair Value
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
180,535
  
$
181,673
  
$
187,098
  
$
188,106
 
Mortgage-backed securities, residential
  
60,787
   
61,660
   
104,069
   
104,356
 
Collateralized mortgage obligations
  
335
   
338
   
1,001
   
1,015
 
Obligations of states and political subdivisions
  
30,677
   
31,451
   
37,339
   
38,376
 
Corporate bonds and notes
  
1,502
   
1,533
   
2,879
   
2,946
 
SBA loan pools
  
1,296
   
1,304
   
1,471
   
1,488
 
Trust preferred securities
  
1,906
   
2,028
   
1,898
   
2,034
 
Corporate stocks
  
285
   
520
   
444
   
7,695
 
Total
 
$
277,323
  
$
280,507
  
$
336,199
  
$
346,016
 

Gross unrealized gains and losses on securities available for sale at December 31, 2014 and 2013, were as follows (amounts in thousands):

  
2014
  
2013
 
  
Unrealized
  
Unrealized
  
Unrealized
  
Unrealized
 
  
Gains
  
Losses
  
Gains
  
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
1,300
  
$
162
  
$
1,914
  
$
906
 
Mortgage-backed securities, residential
  
892
   
19
   
1,037
   
750
 
Collateralized mortgage obligations
  
3
   
-
   
14
   
-
 
Obligations of states and political subdivisions
  
802
   
28
   
1,059
   
22
 
Corporate bonds and notes
  
35
   
4
   
76
   
9
 
SBA loan pools
  
11
   
3
   
17
   
-
 
Trust preferred securities
  
122
   
-
   
136
   
-
 
Corporate stocks
  
235
   
-
   
7,253
   
2
 
Total
 
$
3,400
  
$
216
  
$
11,506
  
$
1,689
 
Amortized Cost and Estimated Fair Value of Debt Securities Available for Sale by Contractual Maturity
The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately (amounts in thousands):

  
December 31, 2014
 
  
Amortized
  
Fair
 
  
Cost
  
Value
 
 Within one year
 
$
37,087
  
$
37,552
 
After one, but within five years
  
172,100
   
173,534
 
After five, but within ten years
  
5,433
   
5,599
 
After ten years
  
-
   
-
 
Mortgage-backed securities, residential
  
60,787
   
61,660
 
Collateralized mortgage obligations
  
335
   
338
 
SBA loan pools
  
1,296
   
1,304
 
Total
 
$
277,038
  
$
279,987
 
Proceeds from Sales and Calls of Securities Resulting in Gains or Losses
The proceeds from sales and calls of securities resulting in gains or losses are listed below (amounts in thousands):

  
2014
  
2013
  
2012
 
Proceeds
 
$
36,258
  
$
2,650
  
$
26,210
 
Gross gains
 
$
6,869
  
$
16
  
$
301
 
Tax expense
 
$
2,641
  
$
6
  
$
116
 
Amortized Cost and Estimated Fair Value of Securities Held to Maturity
Amortized cost and estimated fair value of securities held to maturity at December 31, 2014 and 2013 are as follows (amounts in thousands):

 
2014
 
2013
 
 
Amortized
Cost
 
Estimated Fair Value
 
Amortized
Cost
 
Estimated Fair Value
 
Obligations of states and political subdivisions
 
$
5,175
  
$
5,535
  
$
5,472
  
$
5,891
 
Time deposits with other financial institutions
  
656
   
662
   
1,023
   
1,039
 
  
$
5,831
  
$
6,197
  
$
6,495
  
$
6,930
 
 
Gross unrealized gains and losses on securities held to maturity at December 31, 2014 and 2013, were as follows (amounts in thousands):

 
2014
 
2013
 
 
Unrealized
 
Unrealized
 
Unrealized
 
Unrealized
 
 
Gains
 
Losses
 
Gains
 
Losses
 
Obligations of states and political subdivisions
 
$
360
  
$
-
  
$
419
  
$
-
 
Time deposits with other financial institutions
  
6
   
-
   
16
   
-
 
Total
 
$
366
  
$
-
  
$
435
  
$
-
 
Contractual Maturities of Securities Held to Maturity
The contractual maturity of securities held to maturity is as follows at December 31, 2014 (amounts in thousands):

 
December 31, 2014
 
 
Amortized
 
Fair
 
 
Cost
 
Value
 
Within one year
 
$
2,629
  
$
2,658
 
After one, but within five years
  
2,199
   
2,390
 
After five, but within ten years
  
1,003
   
1,149
 
After ten years
  
-
   
-
 
Total
 
$
5,831
  
$
6,197
 
Investment Securities Available for Sale in Unrealized Loss Position
The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2014 and December 31, 2013 by aggregated major security type and length of time in a continuous unrealized position (amounts in thousands):

  
Less than 12 months
  
12 months or longer
  
Total
 
 
2014
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
57,512
  
$
108
  
$
4,945
  
$
54
  
$
62,457
  
$
162
 
Mortgage-backed securities, residential
  
11,051
   
19
   
-
   
-
   
11,051
   
19
 
Obligations of states and political subdivisions
  
4,625
   
22
   
1,056
   
6
   
5,681
   
28
 
Corporate bonds and notes
  
-
   
-
   
243
   
4
   
243
   
4
 
SBA loan pools
  
276
   
1
   
316
   
2
   
592
   
3
 
Total temporarily impaired securities
 
$
73,464
  
$
150
  
$
6,560
  
$
66
  
$
80,024
  
$
216
 

  
Less than 12 months
  
12 months or longer
  
Total
 
 
2013
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
83,840
  
$
867
  
$
1,978
  
$
39
  
$
85,818
  
$
906
 
Mortgage-backed securities, residential
  
63,115
   
750
   
-
   
-
   
63,115
   
750
 
Obligations of states and political subdivisions
  
4,589
   
22
   
-
   
-
   
4,589
   
22
 
Corporate bonds and notes
  
238
   
9
   
-
   
-
   
238
   
9
 
Corporate stocks
  
-
   
-
   
2
   
2
   
2
   
2
 
Total temporarily impaired securities
 
$
151,782
  
$
1,648
  
$
1,980
  
$
41
  
$
153,762
  
$
1,689
 
Roll Forward of Cumulative Credit Losses Recognized in Earnings
The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2014, 2013 and 2012 (amounts in thousands):

  
2014
  
2013
  
2012
 
Beginning balance, January 1,
 
$
1,939
  
$
3,506
  
$
3,506
 
Amounts related to credit loss for which other-than-temporary impairment was not previously recognized
  
-
   
-
   
-
 
Additions/Subtractions:
            
Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis
  
-
   
-
   
-
 
Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security
  
-
   
-
   
-
 
Reductions for previous credit losses realized on securities sold during the year
  
-
   
(1,596
)
  
-
 
Reductions for previous credit losses realized on securities liquidated during the year
  
(1,939
)
  
-
   
-
 
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized
  
-
   
29
   
-
 
Ending balance, December 31,
 
$
-
  
$
1,939
  
$
3,506
 
Securities Pledged to Secure Securities Sold under Agreements to Repurchase
The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2014 and 2013. (amounts in thousands)

  
2014
  
2013
 
  
Amortized Cost
  
Fair Value
  
Amortized Cost
  
Fair Value
 
Obligations of U.S. Government and U. S. Government sponsored enterprises
 
$
36,195
  
$
36,641
  
$
33,746
  
$
34,369
 
Mortgage-backed securities, residential
  
7,934
   
8,350
   
11,802
   
12,365
 
Collateralized mortgage obligations
  
48
   
48
   
205
   
207
 
Total
 
$
44,177
  
$
45,039
  
$
45,753
  
$
46,941
 
XML 49 R31.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]  
Composition of Loan Portfolio by Type
The composition of the loan portfolio, net of deferred loan fees is summarized as follows (amounts in thousands):

  
December 31, 2014
  
December 31, 2013
 
Commercial and agricultural:
    
Commercial and industrial
 
$
165,385
  
$
144,787
 
Agricultural
  
1,021
   
576
 
Commercial mortgages:
        
Construction
  
54,831
   
27,440
 
Commercial mortgages
  
397,762
   
345,707
 
Residential mortgages
  
196,809
   
195,997
 
Consumer loans:
        
Credit cards
  
1,654
   
1,756
 
Home equity lines and loans
  
99,354
   
95,905
 
Indirect consumer loans
  
184,763
   
164,846
 
Direct consumer loans
  
19,995
   
18,852
 
Total loans, net of deferred loan fees
 
$
1,121,574
  
$
995,866
 
Interest receivable on loans
  
2,780
   
2,597
 
Total recorded investment in loans
 
$
1,124,354
  
$
998,463
 
Allowance for Loan Losses by Portfolio Segment
The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2014, 2013 and 2012, respectively (amounts in thousands):
 
  
December 31, 2014
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
-
  
$
12,776
 
Charge Offs:
  
(444
)
  
(2,229
)
  
(97
)
  
(1,508
)
  
-
   
(4,278
)
Recoveries:
  
385
   
156
   
32
   
634
   
-
   
1,207
 
Net (charge offs) recoveries
  
(59
)
  
(2,073
)
  
(65
)
  
(874
)
  
-
   
(3,071
)
Provision
  
(460
)
  
2,156
   
120
   
2,165
   
-
   
3,981
 
Ending balance
 
$
1,460
  
$
6,326
  
$
1,572
  
$
4,328
  
$
-
  
$
13,686
 

  
December 31, 2013
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
1,708
  
$
4,428
  
$
1,565
  
$
2,706
  
$
26
  
$
10,433
 
Charge Offs:
  
(186
)
  
(44
)
  
(124
)
  
(1,139
)
  
-
   
(1,493
)
Recoveries:
  
537
   
98
   
65
   
381
   
-
   
1,081
 
Net recoveries (charge offs)
  
351
   
54
   
(59
)
  
(758
)
  
-
   
(412
)
Provision
  
(80
)
  
1,761
   
11
   
1,089
   
(26
)
  
2,755
 
Ending balance
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
-
  
$
12,776
 

  
December 31, 2012
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
3,143
  
$
2,570
  
$
1,310
  
$
2,193
  
$
443
  
$
9,659
 
Reclassification of acquired loan discount
  
74
   
50
   
-
   
-
   
-
   
124
 
Charge Offs:
  
(181
)
  
(335
)
  
(83
)
  
(674
)
  
-
   
(1,273
)
Recoveries:
  
802
   
55
   
-
   
238
   
-
   
1,095
 
Net recoveries (charge offs)
  
621
   
(280
)
  
(83
)
  
(436
)
  
-
   
(178
)
Provision
  
(2,130
)
  
2,088
   
338
   
949
   
(417
)
  
828
 
Ending balance
 
$
1,708
  
$
4,428
  
$
1,565
  
$
2,706
  
$
26
  
$
10,433
 
Allowance for Loan Losses and Recorded Investment in Loans Based on Impairment Method
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
 
Allowance for loan losses
Commercial
and
Agricultural
 
Commercial Mortgages
 
Residential Mortgages
 
Consumer Loans
 
Total
 
Ending allowance balance attributable to loans:
     
Individually evaluated for impairment
 
$
89
  
$
1,145
  
$
-
  
$
1
  
$
1,235
 
Collectively evaluated for impairment
  
1,335
   
5,145
   
1,550
   
4,327
   
12,357
 
Loans acquired with deteriorated credit quality
  
36
   
36
   
22
   
-
   
94
 
Total ending allowance balance
 
$
1,460
  
$
6,326
  
$
1,572
  
$
4,328
  
$
13,686
 

 
December 31, 2013
 
Allowance for loan losses
Commercial
and
Agricultural
 
Commercial Mortgages
 
Residential Mortgages
 
Consumer Loans
 
Total
 
Ending allowance balance attributable to loans:
     
Individually evaluated for impairment
 
$
576
  
$
466
  
$
-
  
$
4
  
$
1,046
 
Collectively evaluated for impairment
  
1,403
   
4,407
   
1,497
   
3,033
   
10,340
 
Loans acquired with deteriorated credit quality
  
-
   
1,370
   
20
   
-
   
1,390
 
Total ending allowance balance
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
12,776
 

  
December 31, 2014
 
Loans:
 
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
 
Loans individually evaluated for impairment
 
$
1,452
  
$
13,712
  
$
254
  
$
486
  
$
15,904
 
Loans collectively evaluated for  impairment
  
164,748
   
438,246
   
196,783
   
306,042
   
1,105,819
 
Loans acquired with deteriorated credit quality
  
620
   
1,761
   
250
   
-
   
2,631
 
Total ending loans balance
 
$
166,820
  
$
453,719
  
$
197,287
  
$
306,528
  
$
1,124,354
 

  
December 31, 2013
 
Loans:
 
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
 
Loans individually evaluated for impairment
 
$
2,946
  
$
10,703
  
$
117
  
$
131
  
$
13,897
 
Loans collectively evaluated for  impairment
  
142,108
   
354,636
   
196,147
   
281,979
   
974,870
 
Loans acquired with deteriorated credit quality
  
678
   
8,757
   
261
   
-
   
9,696
 
Total ending loans balance
 
$
145,732
  
$
374,096
  
$
196,525
  
$
282,110
  
$
998,463
 
Summary of Impaired Financing Receivables
The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2014 and December 31, 2013, the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

  
December 31, 2014
  
December 31, 2013
 
  
Unpaid Principal Balance
  
Recorded Investment
  
Allowance for Loan Losses Allocated
  
Unpaid Principal Balance
  
Recorded Investment
  
Allowance for Loan Losses Allocated
 
With no related allowance recorded:
            
Commercial and agricultural:
            
Commercial and industrial
 
$
1,359
  
$
1,364
  
$
-
  
$
1,906
  
$
1,909
  
$
-
 
Commercial mortgages:
                        
Construction
  
1,927
   
1,910
   
-
   
2,329
   
2,319
   
-
 
Commercial mortgages
  
7,803
   
7,708
   
-
   
7,406
   
7,439
   
-
 
Residential mortgages
  
253
   
253
   
-
   
117
   
117
   
-
 
Consumer loans:
                        
Home equity lines and loans
  
429
   
432
   
-
   
71
   
73
   
-
 
With an allowance recorded:
                        
Commercial and agricultural:
                        
Commercial and industrial
  
89
   
89
   
89
   
1,037
   
1,037
     
Commercial mortgages:
                      
576
 
Commercial mortgages
  
4,210
   
4,094
   
1,145
   
951
   
945
     
Consumer loans:
                      
466
 
Home equity lines and loans
  
54
   
54
   
1
   
58
   
58
   
4
 
Total
 
$
16,124
  
$
15,904
  
$
1,235
  
$
13,875
  
$
13,897
  
$
1,046
 

  
December 31, 2014
  
December 31, 2013
  
December 31, 2012
 
  
Average Recorded Investment
  
Interest Income Recognized (1)
  
Average Recorded Investment
  
Interest Income Recognized (1)
  
Average Recorded Investment
  
Interest Income Recognized (1)
 
With no related allowance recorded:
            
Commercial and agricultural:
            
Commercial and industrial
 
$
1,463
  
$
40
  
$
1,605
  
$
71
  
$
481
  
$
1
 
Commercial mortgages:
                        
Construction
  
2,104
   
102
   
3,364
   
95
   
73
   
1
 
Commercial mortgages
  
7,492
   
259
   
5,991
   
249
   
1,990
   
10
 
Residential mortgages
  
141
   
1
   
125
   
-
   
106
   
-
 
Consumer loans:
                        
Home equity lines & loans
  
143
   
6
   
47
   
2
   
30
   
-
 
With an allowance recorded:
                        
Commercial and agricultural:
                        
Commercial and industrial
  
502
   
-
   
719
   
-
   
1,831
   
-
 
Commercial mortgages:
                        
Construction
  
-
   
-
   
-
   
-
   
4
   
-
 
Commercial mortgages
  
1,611
   
41
   
867
   
-
   
872
   
-
 
Residential mortgages
  
-
   
-
   
-
   
-
   
64
   
-
 
Consumer loans:
                        
Home equity lines and loans
  
56
   
4
   
47
   
3
   
-
   
-
 
Direct consumer loans
  
-
   
-
   
3
   
-
   
-
   
-
 
Total
 
$
13,512
  
$
453
  
$
12,768
  
$
421
  
$
5,451
  
$
12
 
Recorded Investment in Past Due and Non-Accrual Status by Class of Loans
The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2014 and December 31, 2013 (amounts in thousands):
 
December 31, 2014
  
Current
  
30-89 Days Past Due
  
90 Days or more Past Due and accruing
  
Loans acquired with deteriorated credit quality
  
Non-Accrual (1)
  
Total
 
Commercial and agricultural:
            
Commercial and industrial
 
$
164,109
  
$
756
  
$
-
  
$
620
  
$
312
  
$
165,797
 
Agricultural
  
1,023
   
-
   
-
   
-
   
-
   
1,023
 
Commercial mortgages:
                        
Construction
  
53,371
   
-
   
1,446
   
-
   
150
   
54,967
 
Commercial mortgages
  
391,096
   
3,064
   
-
   
1,761
   
2,831
   
398,752
 
Residential mortgages
  
191,089
   
2,333
   
-
   
250
   
3,615
   
197,287
 
Consumer loans:
                        
Credit cards
  
1,641
   
5
   
8
   
-
   
-
   
1,654
 
Home equity lines and loans
  
98,340
   
736
   
-
   
-
   
515
   
99,591
 
Indirect consumer loans
  
183,103
   
1,789
   
-
   
-
   
325
   
185,217
 
Direct consumer loans
  
19,988
   
48
   
-
   
-
   
30
   
20,066
 
Total
 
$
1,103,760
  
$
8,731
  
$
1,454
  
$
2,631
  
$
7,778
  
$
1,124,354
 

(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.

December 31, 2013
  
Current
  
30-89 Days Past Due
  
90 Days or more Past Due and accruing
  
Loans acquired with deteriorated credit quality
  
Non-Accrual (1)
  
Total
 
Commercial and agricultural:
            
Commercial and industrial
 
$
143,100
  
$
29
  
$
-
  
$
678
  
$
1,348
  
$
145,155
 
Agricultural
  
577
   
-
   
-
   
-
   
-
   
577
 
Commercial mortgages:
                        
Construction
  
24,742
   
-
   
1,454
   
774
   
540
   
27,510
 
Commercial mortgages
  
335,123
   
1,138
   
-
   
7,983
   
2,342
   
346,586
 
Residential mortgages
  
187,448
   
5,458
   
-
   
261
   
3,358
   
196,525
 
Consumer loans:
                        
Credit cards
  
1,729
   
9
   
19
   
-
   
-
   
1,757
 
Home equity lines and loans
  
95,349
   
150
   
-
   
-
   
635
   
96,134
 
Indirect consumer loans
  
163,810
   
1,235
   
-
   
-
   
249
   
165,294
 
Direct consumer loans
  
18,830
   
50
   
-
   
-
   
45
   
18,925
 
Total
 
$
970,708
  
$
8,069
  
$
1,473
  
$
9,696
  
$
8,517
  
$
998,463
 

(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.
Loans by Class Modified as Troubled Debt Restructurings
The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

December 31, 2014
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
4
  
$
1,028
  
$
1,028
 
Commercial mortgages:
            
Commercial mortgages
  
4
   
2,666
   
2,623
 
Residential mortgages
  
1
   
149
   
150
 
Consumer loans:
            
Home equity lines and loans
  
1
   
366
   
366
 
Total
  
10
  
$
4,209
  
$
4,167
 

December 31, 2013
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
5
  
$
1,343
  
$
1,343
 
Commercial mortgages:
            
Construction
  
1
   
326
   
326
 
Commercial mortgages
  
1
   
133
   
133
 
Consumer loans:
            
Home equity lines and loans
  
3
   
134
   
134
 
Total
  
10
  
$
1,936
  
$
1,936
 

December 31, 2012
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
4
  
$
1,307
  
$
1,307
 
Commercial mortgages:
            
Construction
  
1
   
251
   
251
 
Commercial mortgages
  
3
   
3,872
   
3,872
 
Total
  
8
  
$
5,430
  
$
5,430
 
Risk Category of Recorded Investment of Loans by Class of Loans
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.  Loans listed as not rated are included in groups of homogeneous loans.  Based on the analyses performed as of December 31, 2014 and December 31, 2013, the risk category of the recorded investment of loans by class of loans is as follows (amounts in thousands):

  
December 31, 2014
 
  
Not Rated
  
Pass
  
Loans
acquired with deteriorated credit quality
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
Commercial and
  agricultural:
              
Commercial and industrial
 
$
-
  
$
158,140
  
$
620
  
$
3,695
  
$
3,306
  
$
36
  
$
165,797
 
Agricultural
  
-
   
1,023
   
-
   
-
   
-
   
-
   
1,023
 
Commercial mortgages:
                            
Construction
  
-
   
51,525
   
-
   
3,292
   
150
   
-
   
54,967
 
Commercial mortgages
  
-
   
365,448
   
1,761
   
20,871
   
10,266
   
406
   
398,752
 
Residential mortgages
  
193,422
   
-
   
250
   
-
   
3,615
   
-
   
197,287
 
Consumer loans
                            
Credit cards
  
1,654
   
-
   
-
   
-
   
-
   
-
   
1,654
 
Home equity lines and loans
  
99,076
   
-
   
-
   
-
   
515
   
-
   
99,591
 
Indirect consumer loans
  
184,940
   
-
   
-
   
-
   
277
   
-
   
185,217
 
Direct consumer loans
  
20,045
   
-
   
-
   
-
   
21
   
-
   
20,066
 
Total
 
$
499,137
  
$
576,136
  
$
2,631
  
$
27,858
  
$
18,150
  
$
442
  
$
1,124,354
 


  
December 31, 2013
 
  
Not Rated
  
Pass
  
Loans
acquired with deteriorated credit quality
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
Commercial and
  agricultural:
              
Commercial and industrial
 
$
-
  
$
133,615
  
$
678
  
$
5,117
  
$
4,724
  
$
1,021
  
$
145,155
 
Agricultural
  
-
   
577
   
-
   
-
   
-
   
-
   
577
 
Commercial mortgages:
                            
Construction
  
-
   
23,087
   
774
   
2,783
   
866
   
-
   
27,510
 
Commercial mortgages
  
-
   
313,956
   
7,983
   
13,611
   
11,036
   
-
   
346,586
 
Residential mortgages
  
192,995
   
-
   
261
   
-
   
3,269
   
-
   
196,525
 
Consumer loans
                            
Credit cards
  
1,757
   
-
   
-
   
-
   
-
   
-
   
1,757
 
Home equity lines and loans
  
95,422
   
-
   
-
   
-
   
712
   
-
   
96,134
 
Indirect consumer loans
  
165,045
   
-
   
-
   
-
   
249
   
-
   
165,294
 
Direct consumer loans
  
18,880
   
-
   
-
   
-
   
45
   
-
   
18,925
 
Total
 
$
474,099
  
$
471,235
  
$
9,696
  
$
21,511
  
$
20,901
  
$
1,021
  
$
998,463
 
Recorded Investment in Residential and Consumer Loans Based on Payment Activity
The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
 
  
Consumer Loans
 
 
Residential Mortgages
 
Credit Card
 
Home Equity Lines and Loans
 
Indirect Consumer Loans
 
Other Direct Consumer Loans
 
Performing
 
$
193,672
  
$
1,654
  
$
99,076
  
$
184,892
  
$
20,036
 
Non-Performing
  
3,615
   
-
   
515
   
325
   
30
 
  
$
197,287
  
$
1,654
  
$
99,591
  
$
185,217
  
$
20,066
 

 
December 31, 2013
 
  
Consumer Loans
 
 
Residential Mortgages
 
Credit Card
 
Home Equity Lines and Loans
 
Indirect Consumer Loans
 
Other Direct Consumer Loans
 
Performing
 
$
193,167
  
$
1,757
  
$
95,499
  
$
165,045
  
$
18,880
 
Non-Performing
  
3,358
   
-
   
635
   
249
   
45
 
Total
 
$
196,525
  
$
1,757
  
$
96,134
  
$
165,294
  
$
18,925
 
Summary of Changes in Contractually Required Principal and Interest on Loans Acquired
The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2014 to December 31, 2014 (amounts in thousands):
 
  
Balance at
December 31, 2013
  
Income Accretion
  
All Other Adjustments
  
Balance at
December 31, 2014
 
Contractually required principal and interest
 
$
11,230
  
$
-
  
$
(7,609
)
 
$
3,621
 
Contractual cash flows not expected to be collected (non accretable discount)
  
(543
)
  
-
   
(27
)
  
(570
)
Cash flows expected to be collected
  
10,687
   
-
   
(7,636
)
  
3,051
 
Interest component of expected cash flows (accretable yield)
  
(991
)
  
515
   
56
   
(420
)
Fair value of loans acquired with deteriorating credit quality
 
$
9,696
  
$
515
  
$
(7,580
)
 
$
2,631
 
XML 50 R8.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 8,157us-gaap_NetIncomeLoss $ 8,731us-gaap_NetIncomeLoss $ 11,022us-gaap_NetIncomeLoss
Adjustments to reconcile net income to net cash provided by operating activities:      
Amortization of intangible assets 1,310us-gaap_AmortizationOfIntangibleAssets 921us-gaap_AmortizationOfIntangibleAssets 1,047us-gaap_AmortizationOfIntangibleAssets
Deferred income tax (benefit) expense (2,263)us-gaap_DeferredIncomeTaxExpenseBenefit (121)us-gaap_DeferredIncomeTaxExpenseBenefit 647us-gaap_DeferredIncomeTaxExpenseBenefit
Provision for loan losses 3,981us-gaap_ProvisionForLoanAndLeaseLosses 2,755us-gaap_ProvisionForLoanAndLeaseLosses 828us-gaap_ProvisionForLoanAndLeaseLosses
Loss on disposal of fixed assets 14us-gaap_GainLossOnDispositionOfAssets 0us-gaap_GainLossOnDispositionOfAssets 0us-gaap_GainLossOnDispositionOfAssets
Depreciation and amortization of fixed assets 3,861us-gaap_Depreciation 3,236us-gaap_Depreciation 2,946us-gaap_Depreciation
Amortization of premiums on securities, net 2,398us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 2,280us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments 1,827us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments
Gains on sales of loans held for sale, net (301)us-gaap_GainLossOnSalesOfLoansNet (503)us-gaap_GainLossOnSalesOfLoansNet (484)us-gaap_GainLossOnSalesOfLoansNet
Proceeds from sales of loans held for sale 14,062us-gaap_ProceedsFromSaleOfLoansHeldForSale 20,076us-gaap_ProceedsFromSaleOfLoansHeldForSale 15,684us-gaap_ProceedsFromSaleOfLoansHeldForSale
Loans originated and held for sale (13,731)us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale (19,210)us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale (15,862)us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale
Gain on bargain purchase 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount (470)us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount
Net (gains) losses on sale of other real estate owned 64us-gaap_GainsLossesOnSalesOfOtherRealEstate (28)us-gaap_GainsLossesOnSalesOfOtherRealEstate 45us-gaap_GainsLossesOnSalesOfOtherRealEstate
Net gains on trading assets (50)us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss (43)us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss (27)us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss
Net gains on securities transactions (6,869)us-gaap_GainLossOnSaleOfSecuritiesNet (16)us-gaap_GainLossOnSaleOfSecuritiesNet (301)us-gaap_GainLossOnSaleOfSecuritiesNet
Net impairment loss recognized on investment securities 0us-gaap_ImpairmentOfInvestments 29us-gaap_ImpairmentOfInvestments 0us-gaap_ImpairmentOfInvestments
Proceeds from sales of trading assets 7us-gaap_ProceedsFromSaleOfTradingSecuritiesHeldforinvestment 112us-gaap_ProceedsFromSaleOfTradingSecuritiesHeldforinvestment 96us-gaap_ProceedsFromSaleOfTradingSecuritiesHeldforinvestment
Purchase of trading assets (140)us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment (87)us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment (123)us-gaap_PaymentsToAcquireTradingSecuritiesHeldforinvestment
(Increase) decrease in other assets (7,438)us-gaap_IncreaseDecreaseInOtherOperatingAssets (6,213)us-gaap_IncreaseDecreaseInOtherOperatingAssets 6,084us-gaap_IncreaseDecreaseInOtherOperatingAssets
Decrease in prepaid FDIC Assessment 0chmg_IncreaseDecreaseInPrepaidFdicAssessment 1,970chmg_IncreaseDecreaseInPrepaidFdicAssessment 733chmg_IncreaseDecreaseInPrepaidFdicAssessment
Decrease in accrued interest payable (99)us-gaap_IncreaseDecreaseInInterestPayableNet (108)us-gaap_IncreaseDecreaseInInterestPayableNet (348)us-gaap_IncreaseDecreaseInInterestPayableNet
Expense related to restricted stock units for directors' deferred compensation plan 94chmg_RestrictedStockExpenseDirectorsDeferredCompensationPlan 99chmg_RestrictedStockExpenseDirectorsDeferredCompensationPlan 87chmg_RestrictedStockExpenseDirectorsDeferredCompensationPlan
Expense related to employee stock compensation 117chmg_ExpenseRelatedToEmployeeStockCompensation 112chmg_ExpenseRelatedToEmployeeStockCompensation 80chmg_ExpenseRelatedToEmployeeStockCompensation
Expense related to employee restricted stock awards 151chmg_ExpenseRelatedToEmployeeStockAwards 131chmg_ExpenseRelatedToEmployeeStockAwards 80chmg_ExpenseRelatedToEmployeeStockAwards
Increase in other liabilities 15,086us-gaap_IncreaseDecreaseInOtherOperatingLiabilities 9,403us-gaap_IncreaseDecreaseInOtherOperatingLiabilities 588us-gaap_IncreaseDecreaseInOtherOperatingLiabilities
Proceeds from bank owned life insurance 110us-gaap_ProceedsFromLifeInsurancePolicies 0us-gaap_ProceedsFromLifeInsurancePolicies 0us-gaap_ProceedsFromLifeInsurancePolicies
Income from bank owned life insurance (78)us-gaap_BankOwnedLifeInsuranceIncome (84)us-gaap_BankOwnedLifeInsuranceIncome (87)us-gaap_BankOwnedLifeInsuranceIncome
Net cash provided by operating activities 18,443us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 22,972us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 24,562us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
CASH FLOWS FROM INVESTING ACTIVITIES:      
Proceeds from sales and calls of securities available for sale 62,738us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 18,150us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 90,870us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
Proceeds from maturities and principal collected on securities available for sale 24,222us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities 44,046us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities 29,342us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
Proceeds from maturities and principal collected on securities held to maturity 3,201us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 5,703us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 4,296us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
Purchases of securities available for sale (23,613)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (174,034)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (80,444)us-gaap_PaymentsToAcquireAvailableForSaleSecurities
Purchases of securities held to maturity (2,537)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (6,449)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (1,733)us-gaap_PaymentsToAcquireHeldToMaturitySecurities
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock (3,907)us-gaap_PaymentsToAcquireFederalReserveStock (16,124)us-gaap_PaymentsToAcquireFederalReserveStock (26)us-gaap_PaymentsToAcquireFederalReserveStock
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock 2,854us-gaap_ProceedsFromSaleOfFederalReserveStock 16,353us-gaap_ProceedsFromSaleOfFederalReserveStock 825us-gaap_ProceedsFromSaleOfFederalReserveStock
Purchases of premises and equipment (2,586)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (3,711)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (3,668)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment
Cash received acquisition of Bank of America branches 0chmg_CashAcquiredFromAcquisitionBusiness1 173,673chmg_CashAcquiredFromAcquisitionBusiness1 0chmg_CashAcquiredFromAcquisitionBusiness1
Cash paid Bank of America branches 0chmg_PaymentsToAcquireBusinesses1 (2,768)chmg_PaymentsToAcquireBusinesses1 0chmg_PaymentsToAcquireBusinesses1
Proceeds from sale of other real estate owned 342us-gaap_ProceedsFromSaleOfOtherRealEstate 155us-gaap_ProceedsFromSaleOfOtherRealEstate 796us-gaap_ProceedsFromSaleOfOtherRealEstate
Net increase in loans (131,852)us-gaap_PaymentsForProceedsFromLoansAndLeases (101,481)us-gaap_PaymentsForProceedsFromLoansAndLeases (97,115)us-gaap_PaymentsForProceedsFromLoansAndLeases
Net cash used by investing activities (71,138)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations (46,487)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations (56,857)us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts 46,407us-gaap_IncreaseDecreaseInDeposits 67,566us-gaap_IncreaseDecreaseInDeposits 86,541us-gaap_IncreaseDecreaseInDeposits
Net decrease in time deposits (32,649)us-gaap_IncreaseDecreaseInTimeDeposits (27,085)us-gaap_IncreaseDecreaseInTimeDeposits (40,300)us-gaap_IncreaseDecreaseInTimeDeposits
Net decrease in securities sold under agreements to repurchase (3,049)us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase (9)us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase (4,396)us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
Proceeds from FHLB overnight advances, net 30,830chmg_ProceedsFromRepaymentsOfFHLBOvernightAdvances 0chmg_ProceedsFromRepaymentsOfFHLBOvernightAdvances 0chmg_ProceedsFromRepaymentsOfFHLBOvernightAdvances
Repayments of Federal Home Loan Bank long term advances (5,933)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings (1,983)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings (16,119)us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings
Payments made on capital lease (561)us-gaap_RepaymentsOfLongTermCapitalLeaseObligations 0us-gaap_RepaymentsOfLongTermCapitalLeaseObligations 0us-gaap_RepaymentsOfLongTermCapitalLeaseObligations
Purchase of treasury stock 0us-gaap_PaymentsForRepurchaseOfCommonStock (93)us-gaap_PaymentsForRepurchaseOfCommonStock (636)us-gaap_PaymentsForRepurchaseOfCommonStock
Sale of treasury stock 0us-gaap_ProceedsFromSaleOfTreasuryStock 71us-gaap_ProceedsFromSaleOfTreasuryStock 258us-gaap_ProceedsFromSaleOfTreasuryStock
Cash dividends paid (4,796)us-gaap_PaymentsOfDividendsCommonStock (3,584)us-gaap_PaymentsOfDividendsCommonStock (5,714)us-gaap_PaymentsOfDividendsCommonStock
Net cash provided by financing activities 30,249us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations 34,883us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations 19,634us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
Net (decrease) increase in cash and cash equivalents (22,446)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 11,368us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease (12,661)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash and cash equivalents, beginning of period 51,609us-gaap_CashAndCashEquivalentsAtCarryingValue 40,241us-gaap_CashAndCashEquivalentsAtCarryingValue 52,902us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash and cash equivalents, end of period 29,163us-gaap_CashAndCashEquivalentsAtCarryingValue 51,609us-gaap_CashAndCashEquivalentsAtCarryingValue 40,241us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash paid during the year for:      
Interest 3,744us-gaap_InterestPaid 4,163us-gaap_InterestPaid 5,643us-gaap_InterestPaid
Income Taxes 3,346us-gaap_IncomeTaxesPaid 5,304us-gaap_IncomeTaxesPaid 1,732us-gaap_IncomeTaxesPaid
Supplemental disclosure of non-cash activity:      
Transfer of loans to other real estate owned 3,074us-gaap_TransferOfOtherRealEstate 103us-gaap_TransferOfOtherRealEstate 618us-gaap_TransferOfOtherRealEstate
Dividends declared, not yet paid 1,204us-gaap_DividendsPayableCurrentAndNoncurrent 1,195us-gaap_DividendsPayableCurrentAndNoncurrent 0us-gaap_DividendsPayableCurrentAndNoncurrent
Assets acquired through long term capital lease obligation $ 3,537us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1 $ 0us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1 $ 0us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1
XML 51 R32.htm IDEA: XBRL DOCUMENT v2.4.1.9
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2014
PREMISES AND EQUIPMENT [Abstract]  
Schedule of Premises and Equipment
Premises and equipment at December 31, 2014 and 2013 are as follows (amounts in thousands):

  
2014
  
2013
 
Land
 
$
4,803
  
$
4,803
 
Buildings
  
35,067
   
34,379
 
Projects in progress
  
132
   
-
 
Equipment and furniture
  
40,088
   
34,920
 
Leasehold improvements
  
6,094
   
6,041
 
   
86,184
   
80,143
 
Less accumulated depreciation and amortization
  
53,897
   
50,104
 
  
$
32,287
  
$
30,039
 
Rent Commitments, before Considering Renewal Options
Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $2.0 million, $1.3 million, and $1.1 million for 2014, 2013, and 2012, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows (amounts in thousands):

Year
 
Estimated Expense
 
2015
 
$
1,429
 
2016
  
1,166
 
2017
  
1,143
 
2018
  
1,147
 
2019
  
834
 
2020 and thereafter
  
4,154
 
Total
 
$
9,873
 
Schedule of Capital Leased Assets
The Corporation has included these leases in premises and equipment as follows:

  
2014
  
2013
 
Buildings
 
$
3,537
  
$
-
 
Accumulated depreciation
  
-
   
-
 
  
$
3,537
  
$
-
 
Schedule of Future Minimum Lease Payments for Capital Leases
The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2014 (amounts in thousands):

Year
 
Amount
 
2015
 
$
234
 
2016
  
234
 
2017
  
234
 
2018
  
234
 
2019
  
234
 
2020 and thereafter
  
2,644
 
Total minimum lease payments
  
3,814
 
Less amount representing interest
  
838
 
Present value of net minimum lease payments
 
$
2,976
 
XML 52 R40.htm IDEA: XBRL DOCUMENT v2.4.1.9
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]  
Summary of Related Party Loans
These loans are summarized as follows for the years ended December 31, 2014 and 2013 (amounts in thousands):

  
2014
  
2013
 
Balance at beginning of year
 
$
26,408
  
$
25,390
 
New loans or additional advances
  
33,282
   
30,056
 
Repayments
  
(21,888
)
  
(29,038
)
Balance at end of year
 
$
37,802
  
$
26,408
 
XML 53 R53.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES, OTHER THAN TEMPORARY IMPAIRMENT (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended 3 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Mar. 31, 2014
Dec. 31, 2013
Security
Other than temporary impairment [Abstract]          
Amortized cost of securities sold $ 277,038us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis        
Proceeds from sale of securities 36,258us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt 2,650us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt 26,210us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt    
Other than temporary impairment credit losses recognized in earnings [Roll Forward]          
Beginning balance 1,939us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld 3,506us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld 3,506us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld 1,939us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld  
Amounts related to credit loss for which an other-than-temporary impairment was not previously recognized 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment    
Additions/Subtractions [Abstract]          
Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsAdditionalCreditLosses 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsAdditionalCreditLosses 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsAdditionalCreditLosses    
Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsCashFlows 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsCashFlows 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsCashFlows    
Reductions for previous credit losses realized on securities sold during the year 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold (1,596)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold    
Reductions for previous credit losses realized in securities liquidated during the year (1,939)chmg_OtherThanTemporaryImpairmentReductionsForPreviousCreditLossesRealizedOnSecuritiesSold 0chmg_OtherThanTemporaryImpairmentReductionsForPreviousCreditLossesRealizedOnSecuritiesSold 0chmg_OtherThanTemporaryImpairmentReductionsForPreviousCreditLossesRealizedOnSecuritiesSold    
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized 0chmg_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsWhenImpairmentRecognizedPreviously 29chmg_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsWhenImpairmentRecognizedPreviously 0chmg_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsWhenImpairmentRecognizedPreviously    
Ending balance 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld 1,939us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld 3,506us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld   1,939us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld
Collateralized Debt Obligations [Member]          
Other than temporary impairment [Abstract]          
Number of securities sold         1chmg_AvailableForSaleSecuritiesNumberOfSecuritiesSold
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember
Amortized cost of securities sold   600us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember		     600us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember
Proceeds from sale of securities         600us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember
Additional credit loss in OTTI recognized         29us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember
Additions/Subtractions [Abstract]          
Income from liquidation of debt securities       $ 500us-gaap_GainLossOnSaleOfDebtInvestments
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CollateralizedDebtObligationsMember		  
XML 54 R72.htm IDEA: XBRL DOCUMENT v2.4.1.9
PARENT COMPANY FINANCIAL INFORMATION (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Assets:        
Cash on deposit with subsidiary bank $ 28,130us-gaap_CashAndDueFromBanks $ 31,600us-gaap_CashAndDueFromBanks    
Securities available for sale, at estimated fair value 280,507us-gaap_AvailableForSaleSecurities 346,016us-gaap_AvailableForSaleSecurities    
Total assets 1,524,539us-gaap_Assets 1,476,143us-gaap_Assets 1,248,160us-gaap_Assets  
Liabilities and shareholders' equity:        
Dividends payable 1,204us-gaap_DividendsPayableCurrentAndNoncurrent 1,195us-gaap_DividendsPayableCurrentAndNoncurrent 0us-gaap_DividendsPayableCurrentAndNoncurrent  
Total liabilities 1,390,911us-gaap_Liabilities 1,337,565us-gaap_Liabilities    
Shareholders' equity:        
Total shareholders' equity 133,628us-gaap_StockholdersEquity 138,578us-gaap_StockholdersEquity 131,115us-gaap_StockholdersEquity 125,929us-gaap_StockholdersEquity
Total liabilities and shareholders' equity 1,524,539us-gaap_LiabilitiesAndStockholdersEquity 1,476,143us-gaap_LiabilitiesAndStockholdersEquity    
STATEMENTS OF INCOME [Abstract]        
Income (loss) before income tax expense 11,866us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 12,553us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 16,407us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments  
Income tax benefit 3,709us-gaap_IncomeTaxExpenseBenefit 3,822us-gaap_IncomeTaxExpenseBenefit 5,385us-gaap_IncomeTaxExpenseBenefit  
Net income 8,157us-gaap_NetIncomeLoss 8,731us-gaap_NetIncomeLoss 11,022us-gaap_NetIncomeLoss  
Cash flows from operating activities:        
Net income 8,157us-gaap_NetIncomeLoss 8,731us-gaap_NetIncomeLoss 11,022us-gaap_NetIncomeLoss  
Adjustments to reconcile net income to net cash provided by operating activities:        
Change in other assets (7,438)us-gaap_IncreaseDecreaseInOtherOperatingAssets (6,213)us-gaap_IncreaseDecreaseInOtherOperatingAssets 6,084us-gaap_IncreaseDecreaseInOtherOperatingAssets  
Change in other liabilities 15,086us-gaap_IncreaseDecreaseInOtherOperatingLiabilities 9,403us-gaap_IncreaseDecreaseInOtherOperatingLiabilities 588us-gaap_IncreaseDecreaseInOtherOperatingLiabilities  
Net cash provided by operating activities 18,443us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 22,972us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations 24,562us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations  
Cash flow from financing activities:        
Purchase of treasury stock 0us-gaap_PaymentsForRepurchaseOfCommonStock (93)us-gaap_PaymentsForRepurchaseOfCommonStock (636)us-gaap_PaymentsForRepurchaseOfCommonStock  
Sale of treasury stock 0us-gaap_ProceedsFromSaleOfTreasuryStock 71us-gaap_ProceedsFromSaleOfTreasuryStock 258us-gaap_ProceedsFromSaleOfTreasuryStock  
Net cash provided by financing activities 30,249us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations 34,883us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations 19,634us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations  
Increase (Decrease) in cash and cash equivalents (22,446)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 11,368us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease (12,661)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease  
Cash and cash equivalents, beginning of period 51,609us-gaap_CashAndCashEquivalentsAtCarryingValue 40,241us-gaap_CashAndCashEquivalentsAtCarryingValue 52,902us-gaap_CashAndCashEquivalentsAtCarryingValue  
Cash and cash equivalents, end of period 29,163us-gaap_CashAndCashEquivalentsAtCarryingValue 51,609us-gaap_CashAndCashEquivalentsAtCarryingValue 40,241us-gaap_CashAndCashEquivalentsAtCarryingValue  
Parent Company [Member]        
Assets:        
Cash on deposit with subsidiary bank 3,200us-gaap_CashAndDueFromBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 2,686us-gaap_CashAndDueFromBanks
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Dividends receivable from subsidiary bank 1,204us-gaap_AccruedInvestmentIncomeReceivable
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,195us-gaap_AccruedInvestmentIncomeReceivable
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Securities available for sale, at estimated fair value 346us-gaap_AvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 343us-gaap_AvailableForSaleSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Other Assets 1,129us-gaap_OtherAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,254us-gaap_OtherAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Total assets 134,868us-gaap_Assets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 139,814us-gaap_Assets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Liabilities and shareholders' equity:        
Dividends payable 1,204us-gaap_DividendsPayableCurrentAndNoncurrent
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,195us-gaap_DividendsPayableCurrentAndNoncurrent
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Other liabilities 36us-gaap_OtherLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 41us-gaap_OtherLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Total liabilities 1,240us-gaap_Liabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,236us-gaap_Liabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Shareholders' equity:        
Total shareholders' equity 133,628us-gaap_StockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 138,578us-gaap_StockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
Total liabilities and shareholders' equity 134,868us-gaap_LiabilitiesAndStockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 139,814us-gaap_LiabilitiesAndStockholdersEquity
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		    
STATEMENTS OF INCOME [Abstract]        
Dividends from subsidiary bank 4,805chmg_IncomeLossFromDividendsOfSubsidiaryBank
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 4,778chmg_IncomeLossFromDividendsOfSubsidiaryBank
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 4,573chmg_IncomeLossFromDividendsOfSubsidiaryBank
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Interest and dividend income 10us-gaap_InterestAndDividendIncomeSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 9us-gaap_InterestAndDividendIncomeSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 7us-gaap_InterestAndDividendIncomeSecurities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Other income 0us-gaap_OtherOperatingIncome
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 132us-gaap_OtherOperatingIncome
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 150us-gaap_OtherOperatingIncome
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Operating expenses 261us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 324us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 331us-gaap_OperatingExpenses
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Income (loss) before income tax expense 4,554us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 4,595us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 4,399us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Income before income tax 7,990us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 8,607us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 10,864us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Income tax benefit (167)us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (124)us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (158)us-gaap_IncomeTaxExpenseBenefit
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Net income 8,157us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 8,731us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 11,022us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Cash flows from operating activities:        
Net income 8,157us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 8,731us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 11,022us-gaap_NetIncomeLoss
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Adjustments to reconcile net income to net cash provided by operating activities:        
Change in dividend receivable (9)us-gaap_IncreaseDecreaseInDividendsReceivable
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (1,195)us-gaap_IncreaseDecreaseInDividendsReceivable
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,141us-gaap_IncreaseDecreaseInDividendsReceivable
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Change in other assets 126us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 558us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 765us-gaap_IncreaseDecreaseInOtherOperatingAssets
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Change in other liabilities 110us-gaap_IncreaseDecreaseInOtherOperatingLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 79us-gaap_IncreaseDecreaseInOtherOperatingLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 48us-gaap_IncreaseDecreaseInOtherOperatingLiabilities
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Expense related to employee stock compensation 117us-gaap_StockOptionPlanExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 112us-gaap_StockOptionPlanExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 80us-gaap_StockOptionPlanExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Expense related to restricted stock units for directors' deferred compensation plan 94us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 99us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 87us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Expense to employee restricted stock awards 151us-gaap_RestrictedStockExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 131us-gaap_RestrictedStockExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 80us-gaap_RestrictedStockExpense
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Net cash provided by operating activities 5,310us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 4,503us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 6,758us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Cash flow from financing activities:        
Cash dividends paid (4,796)us-gaap_PaymentsOfDividends
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (3,583)us-gaap_PaymentsOfDividends
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (5,714)us-gaap_PaymentsOfDividends
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Purchase of treasury stock 0us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (93)us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (636)us-gaap_PaymentsForRepurchaseOfCommonStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Sale of treasury stock 0us-gaap_ProceedsFromSaleOfTreasuryStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 71us-gaap_ProceedsFromSaleOfTreasuryStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 258us-gaap_ProceedsFromSaleOfTreasuryStock
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Net cash provided by financing activities (4,796)us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (3,605)us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 (6,092)us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Increase (Decrease) in cash and cash equivalents 514us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 898us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 666us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Cash and cash equivalents, beginning of period 2,686us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,788us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,122us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Cash and cash equivalents, end of period 3,200us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 2,686us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		 1,788us-gaap_CashAndCashEquivalentsAtCarryingValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember		  
Parent Company [Member] | Chemung Canal Trust Company [Member]        
Assets:        
Investment in subsidiary 128,081us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		 133,557us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		    
STATEMENTS OF INCOME [Abstract]        
Equity in undistributed earnings 3,307us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		 3,873us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		 6,411us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		  
Adjustments to reconcile net income to net cash provided by operating activities:        
Equity in undistributed earnings (3,307)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		 (3,873)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		 (6,411)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_ChemungCanalTrustCompanyMember		  
Parent Company [Member] | CFS Group Inc. [Member]        
Assets:        
Investment in subsidiary 908us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		 779us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		    
STATEMENTS OF INCOME [Abstract]        
Equity in undistributed earnings 129us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		 139us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		 54us-gaap_IncomeLossFromEquityMethodInvestments
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		  
Adjustments to reconcile net income to net cash provided by operating activities:        
Equity in undistributed earnings $ (129)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		 $ (139)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		 $ (54)us-gaap_EquityMethodInvestmentDividendsOrDistributions
/ dei_LegalEntityAxis
= us-gaap_ParentCompanyMember
/ chmg_LegalEntitySubsidiaryAxis
= chmg_CfsGroupIncMember		  
XML 55 R2.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
ASSETS    
Cash and due from financial institutions $ 28,130us-gaap_CashAndDueFromBanks $ 31,600us-gaap_CashAndDueFromBanks
Interest-bearing deposits in other financial institutions 1,033us-gaap_InterestBearingDepositsInBanks 20,009us-gaap_InterestBearingDepositsInBanks
Total cash and cash equivalents 29,163us-gaap_CashAndCashEquivalentsAtCarryingValue 51,609us-gaap_CashAndCashEquivalentsAtCarryingValue
Trading assets, at fair value 549us-gaap_TradingSecurities 366us-gaap_TradingSecurities
Securities available for sale, at estimated fair value 280,507us-gaap_AvailableForSaleSecurities 346,016us-gaap_AvailableForSaleSecurities
Securities held to maturity, estimated fair value of $6,197 at December 31, 2014 and $6,930 at December 31, 2013 5,831us-gaap_HeldToMaturitySecurities 6,495us-gaap_HeldToMaturitySecurities
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost 5,535us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock 4,482us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock
Loans, net of deferred loan fees 1,121,574us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 995,866us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Allowance for loan losses (13,686)us-gaap_LoansAndLeasesReceivableAllowance (12,776)us-gaap_LoansAndLeasesReceivableAllowance
Loans, net 1,107,888us-gaap_LoansAndLeasesReceivableNetReportedAmount 983,090us-gaap_LoansAndLeasesReceivableNetReportedAmount
Loans held for sale 665us-gaap_LoansReceivableHeldForSaleNet 695us-gaap_LoansReceivableHeldForSaleNet
Premises and equipment, net 32,287us-gaap_PropertyPlantAndEquipmentNet 30,039us-gaap_PropertyPlantAndEquipmentNet
Goodwill 21,824us-gaap_Goodwill 21,824us-gaap_Goodwill
Other intangible assets, net 5,067us-gaap_IntangibleAssetsNetExcludingGoodwill 6,377us-gaap_IntangibleAssetsNetExcludingGoodwill
Bank owned life insurance 2,764us-gaap_BankOwnedLifeInsurance 2,796us-gaap_BankOwnedLifeInsurance
Accrued interest and other assets 32,459us-gaap_InterestReceivableAndOtherAssets 22,354us-gaap_InterestReceivableAndOtherAssets
Total assets 1,524,539us-gaap_Assets 1,476,143us-gaap_Assets
Deposits:    
Non-interest-bearing 366,298us-gaap_NoninterestBearingDepositLiabilities 351,222us-gaap_NoninterestBearingDepositLiabilities
Interest-bearing 913,716us-gaap_InterestBearingDepositLiabilities 915,034us-gaap_InterestBearingDepositLiabilities
Total deposits 1,280,014us-gaap_Deposits 1,266,256us-gaap_Deposits
Federal Home Loan Bank overnight advances 30,830us-gaap_FederalHomeLoanBankAdvancesCurrent 0us-gaap_FederalHomeLoanBankAdvancesCurrent
Securities sold under agreements to repurchase 29,652us-gaap_SecuritiesSoldUnderAgreementsToRepurchase 32,701us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
Federal Home Loan Bank term advances 19,310us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent 25,243us-gaap_LongtermFederalHomeLoanBankAdvancesNoncurrent
Long term capital lease obligation 2,976us-gaap_CapitalLeaseObligations 0us-gaap_CapitalLeaseObligations
Dividends payable 1,204us-gaap_DividendsPayableCurrentAndNoncurrent 1,195us-gaap_DividendsPayableCurrentAndNoncurrent
Accrued interest payable and other liabilities 26,925us-gaap_AccountsPayableAndOtherAccruedLiabilities 12,170us-gaap_AccountsPayableAndOtherAccruedLiabilities
Total liabilities 1,390,911us-gaap_Liabilities 1,337,565us-gaap_Liabilities
Shareholders' equity:    
Common stock, $.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2014 and December 31, 2013 53us-gaap_CommonStockValue 53us-gaap_CommonStockValue
Additional-paid-in capital 45,355us-gaap_AdditionalPaidInCapitalCommonStock 45,399us-gaap_AdditionalPaidInCapitalCommonStock
Retained earnings 114,383us-gaap_RetainedEarningsAccumulatedDeficit 111,031us-gaap_RetainedEarningsAccumulatedDeficit
Treasury stock, at cost (680,948 shares at December 31, 2014; 707,674 shares at December 31, 2013) (17,378)us-gaap_TreasuryStockValue (18,060)us-gaap_TreasuryStockValue
Accumulated other comprehensive income (loss) (8,785)us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 155us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Total shareholders' equity 133,628us-gaap_StockholdersEquity 138,578us-gaap_StockholdersEquity
Total liabilities and shareholders' equity $ 1,524,539us-gaap_LiabilitiesAndStockholdersEquity $ 1,476,143us-gaap_LiabilitiesAndStockholdersEquity
XML 56 R45.htm IDEA: XBRL DOCUMENT v2.4.1.9
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)
 12 Months Ended
Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]  
Summary of Changes in Accumulated Other Comprehensive Income or Loss by Component, Net of Tax
The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (amounts in thousands):

  
Unrealized Gains and Losses on Securities Available for Sale
  
Defined Benefit and Other Benefit Plans
  
Total
 
Balance at December 31, 2013
 
$
6,043
  
$
(5,888
)
 
$
155
 
Other comprehensive income (loss) before reclassification
  
146
   
(5,221
)
  
(5,075
)
Amounts reclassified from accumulated other comprehensive income (loss)
  
(4,229
)
  
364
   
(3,865
)
Net current period other comprehensive loss
  
(4,083
)
  
(4,857
)
  
(8,940
)
Balance at December 31, 2014
 
$
1,960
  
$
(10,745
)
 
$
(8,785
)

  
Unrealized Gains and Losses on Securities Available for Sale
  
Defined Benefit and Other Benefit Plans
  
Total
 
Balance at December 31, 2012
 
$
8,023
  
$
(10,830
)
 
$
(2,807
)
Other comprehensive income (loss) before reclassification
  
(1,988
)
  
3,994
   
2,006
 
Amounts reclassified from accumulated other comprehensive income (loss)
  
8
   
948
   
956
 
Net current period other comprehensive loss
  
(1,980
)
  
4,942
   
2,962
 
Balance at December 31, 2013
 
$
6,043
  
$
(5,888
)
 
$
155
 
Reclassification Out of Accumulated Other Comprehensive Income
The following is the reclassification out of accumulated other comprehensive income (loss) for the periods indicated (amounts in thousands):
 
Details about Accumulated Other Comprehensive Income (Loss) Components
Year Ended December 31,
 
Affected Line Item
 in the Statement Where
Net Income is Presented
   
2014
  
2013
  
Unrealized gains and losses on securities available for sale:
           
Reclassification adjustment for other-than-temporary losses realized in income
  
$
-
  
$
29
 
Total impairment losses
Realized gains on securities available for sale
   
(6,869
)
  
(16
)
Net gains on securities transactions
Tax effect
   
2,640
   
(5
)
Income tax benefit (expense)
Net of tax
   
(4,229
)
  
8
  
                 
Amortization of defined pension plan and other benefit plan items:
               
Prior service costs (a)
   
(90
)
  
(83
)
Pension and other employee benefits
Actuarial losses (a)
   
681
   
1,624
 
Pension and other employee benefits
Tax effect
   
(227
)
  
(593
)
Income tax benefit
Net of tax
   
364
   
948
  
Total reclassification for the period, net of tax
$
 
$
(3,865
)
 
$
956
  

(a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 57 R6.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (USD $)
In Thousands, unless otherwise specified
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
Treasury Stock [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total
Balances at Dec. 31, 2011 $ 53us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 $ 45,582us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 $ 100,629us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 $ (18,894)us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 $ (1,441)us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 $ 125,929us-gaap_StockholdersEquity
Increase (Decrease) in Shareholders' Equity [Roll Forward]            
Net income 0us-gaap_NetIncomeLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 0us-gaap_NetIncomeLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 11,022us-gaap_NetIncomeLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 0us-gaap_NetIncomeLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_NetIncomeLoss
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 11,022us-gaap_NetIncomeLoss
Other comprehensive income (loss) 0us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 0us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 0us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 (1,366)us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 (1,366)us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
Restricted stock awards 0us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 80us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 0us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 80us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition
Distribution of shares of treasury stock granted for directors' deferred compensation plan 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 (82)chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 83chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 1chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationValue
Distribution of shares of treasury stock granted for employee restricted stock awards, net 0chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 (274)chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 274chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 0chmg_DistributionShareOfTreasuryStockForEmployeeRestrictedStockWarrants
Restricted stock units for directors' deferred compensation plan 0chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 87chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 0chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 87chmg_RestrictedStockUnitsForDirectorsDeferrredCompensationPlan
Cash dividends declared 0us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 0us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 (4,573)us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 0us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_DividendsCommonStockCash
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 (4,573)us-gaap_DividendsCommonStockCash
Distribution of shares of treasury stock for directors' compensation 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 (28)chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 261chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 233chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationValue
Distribution of shares of treasury stock for employee compensation 0us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 (8)us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 88us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 80us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation
Sale of shares of treasury stock 0us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 0us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 258us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 258us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued
Purchase of shares of treasury stock 0us-gaap_TreasuryStockValueAcquiredCostMethod
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 0us-gaap_TreasuryStockValueAcquiredCostMethod
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 0us-gaap_TreasuryStockValueAcquiredCostMethod
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 (636)us-gaap_TreasuryStockValueAcquiredCostMethod
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_TreasuryStockMember		 0us-gaap_TreasuryStockValueAcquiredCostMethod
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AccumulatedOtherComprehensiveIncomeMember		 (636)us-gaap_TreasuryStockValueAcquiredCostMethod
Balances at Dec. 31, 2012 53us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_CommonStockMember		 45,357us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_AdditionalPaidInCapitalMember		 107,078us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
= us-gaap_RetainedEarningsMember		 (18,566)us-gaap_StockholdersEquity
/ us-gaap_StatementEquityComponentsAxis
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XML 58 R59.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Loan
Dec. 31, 2013
Loan
Dec. 31, 2012
Loan
Trouble debt restructurings [Abstract]      
Recorded investment in troubled debt restructurings $ 9,700,000us-gaap_FinancingReceivableModificationsRecordedInvestment $ 7,900,000us-gaap_FinancingReceivableModificationsRecordedInvestment $ 5,700,000us-gaap_FinancingReceivableModificationsRecordedInvestment
Specific reserves allocated for troubled debt restructuring 300,000us-gaap_AllowanceForCreditLossesChangeInMethodOfCalculatingImpairment 300,000us-gaap_AllowanceForCreditLossesChangeInMethodOfCalculatingImpairment 0us-gaap_AllowanceForCreditLossesChangeInMethodOfCalculatingImpairment
Troubled debt restructurings accruing interest under modified terms 8,700,000chmg_FinancingReceivableModificationsRecordedInvestmentStillAccruing 6,800,000chmg_FinancingReceivableModificationsRecordedInvestmentStillAccruing 5,400,000chmg_FinancingReceivableModificationsRecordedInvestmentStillAccruing
Troubled debt restructurings on non-accrual status 1,000,000chmg_FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus 1,100,000chmg_FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus 400,000chmg_FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus
Additional amounts committed to customers with loans classified as troubled debt restructurings 100,000chmg_AdditionalAmountsCommittedToCustomersWithLoansClassifiedAsTroubledDebtRestructurings 200,000chmg_AdditionalAmountsCommittedToCustomersWithLoansClassifiedAsTroubledDebtRestructurings  
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans 10us-gaap_FinancingReceivableModificationsNumberOfContracts2 10us-gaap_FinancingReceivableModificationsNumberOfContracts2 8us-gaap_FinancingReceivableModificationsNumberOfContracts2
Pre-Modification Outstanding Recorded Investment 4,209,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2 1,936,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2 5,430,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
Post-Modification Outstanding Recorded Investment 4,167,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2 1,936,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2 5,430,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
Increase in allowance for loan losses related to troubled debt restructurings 200,000us-gaap_AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease 100,000us-gaap_AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease 0us-gaap_AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease
Troubled debt restructurings, charge offs    [1] 0us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown 0us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown
Number of days past due after which a loan is considered to be in payment default 90 days    
Commercial and Industrial [Member]      
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans 4us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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= chmg_CommercialAndIndustrialMember
Pre-Modification Outstanding Recorded Investment 1,028,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
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= chmg_CommercialAndIndustrialMember
Post-Modification Outstanding Recorded Investment 1,028,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
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= chmg_CommercialAndIndustrialMember
Construction [Member]      
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans   1us-gaap_FinancingReceivableModificationsNumberOfContracts2
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= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Pre-Modification Outstanding Recorded Investment   326,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 251,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Post-Modification Outstanding Recorded Investment   326,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 251,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Commercial Mortgages [Member]      
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans 4us-gaap_FinancingReceivableModificationsNumberOfContracts2
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= us-gaap_CommercialRealEstateOtherReceivableMember		 1us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 3us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Pre-Modification Outstanding Recorded Investment 2,666,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 133,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 3,872,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Post-Modification Outstanding Recorded Investment 2,623,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 133,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 3,872,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Residential Mortgages [Member]      
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans 1us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		    
Pre-Modification Outstanding Recorded Investment 149,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		    
Post-Modification Outstanding Recorded Investment 150,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		    
Home Equity Lines and Loans [Member]      
Loans by class modified as troubled debt restructurings [Abstract]      
Number of Loans 1us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 3us-gaap_FinancingReceivableModificationsNumberOfContracts2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
Pre-Modification Outstanding Recorded Investment 366,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 134,000us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
Post-Modification Outstanding Recorded Investment $ 366,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 $ 134,000us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		  
[1] Amount less than $0.1 million
XML 59 R35.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)
 12 Months Ended
Dec. 31, 2014
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE [Abstract]  
Summary of Securities Sold under Agreements to Repurchase
A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2014, 2013 and 2012 is as follows (amounts in thousands):

  
2014
  
2013
  
2012
 
Balance at December 31
 
$
29,652
  
$
32,701
  
$
32,711
 
Maximum month-end balance
 
$
31,914
  
$
32,701
  
$
38,284
 
Average balance during year
 
$
30,667
  
$
31,102
  
$
34,534
 
Weighted-average interest rate at December 31
  
2.82
%
  
2.93
%
  
3.02
%
Average interest rate paid during year
  
2.77
%
  
2.76
%
  
2.88
%

Information concerning outstanding securities repurchase agreements as of December 31, 2014 is summarized as follows (amounts in thousands):
 
Remaining Term to Final Maturity (1)
 
Repurchase Liability
  
Accrued Interest Payable
  
Weighted Average Rate
  
Estimated Fair Value of Collateral Securities (2)
 
Within 90 days
 
$
9,652
  
$
-
   
0.10
%
 
$
16,682
 
After 90 days but within one year
  
-
   
-
   
-
%
  
-
 
After one year but within five years
  
20,000
   
63
   
4.13
%
  
23,530
 
After five years but within ten years
  
-
   
-
   
-
%
  
-
 
Total
 
$
29,652
  
$
63
   
2.82
%
 
$
40,212
 
 
(1)At December 31, 2014, the securities repurchase agreements were non-callable with a weighted-average rate of 3.10%, and a weighted-average term to maturity of approximately 1.9 years.
(2)Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $342 thousand at December 31, 2014.
XML 60 R65.htm IDEA: XBRL DOCUMENT v2.4.1.9
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount $ 50,140,000us-gaap_FederalHomeLoanBankAdvancesLongTerm  
Rate (in hundredths) 1.73%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate 3.93%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
Collateral pledged for Federal Home Loan Bank advances 152,700,000us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1 145,100,000us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
Maximum amount eligible to borrow 86,000,000us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable  
Federal Home Loan Bank Advances Maturing December 22, 2016 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount 10,000,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember222016Member		 10,000,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember222016Member
Rate (in hundredths) 4.60%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember222016Member		 4.60%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember222016Member
Maturity Date Dec. 22, 2016 Dec. 22, 2016
Federal Home Loan Bank Advances Maturing October 20, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount   4,134,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober202014Member
Rate (in hundredths)   3.84%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober202014Member
Maturity Date   Oct. 20, 2014
Federal Home Loan Bank Advances Maturing October 19, 2017 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount 4,138,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober192017Member		 4,134,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober192017Member
Rate (in hundredths) 3.90%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober192017Member		 3.90%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober192017Member
Maturity Date Oct. 19, 2017 Oct. 19, 2017
Federal Home Loan Bank Advances Maturing December 4, 2017 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount 3,103,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember42017Member		 3,100,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember42017Member
Rate (in hundredths) 2.91%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember42017Member		 2.91%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingDecember42017Member
Maturity Date Dec. 04, 2017 Dec. 04, 2017
Federal Home Loan Bank Advances Maturing January 2, 2018 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount 2,069,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22018Member		 2,067,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22018Member
Rate (in hundredths) 3.05%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22018Member		 3.05%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22018Member
Maturity Date Jan. 02, 2018 Jan. 02, 2018
Federal Home Loan Bank Advances Maturing January 2, 2015 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount 30,830,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22015Member		  
Rate (in hundredths) 0.32%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJanuary22015Member		  
Maturity Date Jan. 02, 2015  
Federal Home Loan Bank Advances Maturing June 18, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount   1,033,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJune182014Member
Rate (in hundredths)   3.20%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingJune182014Member
Maturity Date   Jun. 18, 2014
Federal Home Loan Bank Advances Maturing October 2, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Amount   $ 775,000us-gaap_FederalHomeLoanBankAdvancesLongTerm
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober22014Member
Rate (in hundredths)   3.05%us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate
/ chmg_FederalHomeLoanBankAdvancesMaturityPeriodsAxis
= chmg_FederalHomeLoanBankAdvancesMaturingOctober22014Member
Maturity Date   Oct. 02, 2014
Federal Home Loan Bank Advances Maturing January 19, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date   Jan. 19, 2014
Federal Home Loan Bank Advances Maturing January 19, 2015 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date Jan. 19, 2015  
Federal Home Loan Bank Advances Maturing January 20, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date   Jan. 20, 2014
Federal Home Loan Bank Advances Maturing March 4, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date   Mar. 04, 2014
Federal Home Loan Bank Advances Maturing April 1, 2014 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date   Apr. 01, 2014
Federal Home Loan Bank Advances Maturing April 1, 2015 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date Apr. 01, 2015  
Federal Home Loan Bank Advances Maturing March 3, 2015 [Member]    
Summary of Federal Home Loan Bank fixed rate advances [Abstract]    
Call Date Mar. 03, 2015  
XML 61 R22.htm IDEA: XBRL DOCUMENT v2.4.1.9
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]  
COMMITMENTS AND CONTINGENCIES
(14)            COMMITMENTS AND CONTINGENCIES

Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs.  These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.  Commitments may expire without being used.  Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.  The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (amounts in thousands):
 
 
2014
 
2013
 
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
 
Commitments to make loans
 
$
23,756
  
$
11,082
  
$
21,049
  
$
7,893
 
Unused lines of credit
 
$
812
  
$
185,235
  
$
2,190
  
$
187,061
 
Standby letters of credit
 
$
-
  
$
16,747
  
$
-
  
$
17,290
 
 
Commitments to make Real Estate and Home Equity loans are generally made for periods of sixty days or less.  As of December 31, 2014, the fixed rate commitments to make loans have interest rates ranging from 2.750% to 5.875% and maturities ranging from five years to thirty years.  Commitments to fund commercial draw notes are generally made for periods of three months to eighteen months.  As of December 31, 2014, the fixed rate commitments have interest rates ranging from 1.76% to 5.25%.

Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.  Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire.  The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value.  The Corporation does not anticipate losses as a result of these transactions.  These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled.

The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party.  Standby letters of credit generally arise in connection with lending relationships.  The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers.  Contingent obligations under standby letters of credit totaled $16.7 million at December 31, 2014 and represent the maximum potential future payments the Corporation could be required to make.  Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.  Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments.  Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension.  The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2014 was not significant.

The Corporation has an executive severance agreement with its President and Chief Executive Officer.

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate's Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts' investments and they claim $13.2 million and $24.1 million, consisting of damages and disallowed trustee's commissions, plus unspecified legal fees in the respective proceedings.   For both legal proceedings, the Bank agreed to participate in non-binding mediation which began November 10, 2014.  As a result of mediation and in anticipation of a settlement with both parties, the Bank's Board of Directors approved the establishment of an accrual for legal settlement in the amount of $12.1 million, offset by a $7.9 million receivable for insurance proceeds.  Two stipulations reflecting the settlements have been submitted to the Surrogate’s Court.
 
In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.  Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.
XML 62 R36.htm IDEA: XBRL DOCUMENT v2.4.1.9
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES (Tables)
 12 Months Ended
Dec. 31, 2014
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES [Abstract]  
Schedule of Federal Home Loan Bank Advances
The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2014 and 2013.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance (amounts in thousands):
 
2014
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
30,830
   
0.32
%
 
January 2, 2015
 
-
 
 
10,000
   
4.60
%
 
December 22, 2016
 
-
 
 
4,138
   
3.90
%
 
October 19, 2017
 
January 19, 2015
 
 
3,103
   
2.91
%
 
December 4, 2017
 
March 3, 2015
 
 
2,069
   
3.05
%
 
January 2, 2018
 
April 1, 2015
 
$
50,140
 
 
 
1.73
%
 
 
 
 
 
 
2013
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,033
   
3.20
%
 
June 18,2014
 
-
 
 
775
   
3.05
%
 
October 2, 2014
 
-
 
 
4,134
   
3.84
%
 
October 20, 2014
 
January 20, 2014
 
 
10,000
   
4.60
%
 
December 22, 2016
 
-
 
 
4,134
   
3.90
%
 
October 19, 2017
 
January 19, 2014
 
 
3,100
   
2.91
%
 
December 4, 2017
 
March 4, 2014
 
 
2,067
   
3.05
%
 
January 2, 2018
 
April 1, 2014
 
$
 25,243
 
 
 
3.93
%
 
 
 
 
 
XML 63 R24.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUES
 12 Months Ended
Dec. 31, 2014
FAIR VALUES [Abstract]  
FAIR VALUES
(16)            FAIR VALUES

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair value:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Corporation used the following methods and significant assumptions to estimate fair value:

Investment Securities:  The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

Trading Assets:  Securities that are held to fund a deferred compensation plan are recorded at fair value with changes in fair value included in earnings.  The fair values of trading assets are determined by quoted market prices (Level 1 inputs).

Impaired Loans:  At the time a loan is considered impaired, it is valued at the lower of cost or fair value.  Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting.  For collateral dependent loans, fair value is commonly based on real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Other Real Estate Owned (“OREO”):  Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

Appraisals for both collateral-dependent impaired loans and OREO are performed by certified general appraisers (commercial properties) or certified residential appraisers (residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation.  Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO.  On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.

Assets and liabilities measured at fair value on a recurring basis are summarized below (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
  
Significant
Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
181,673
  
$
31,115
  
$
150,558
  
$
-
 
Mortgage-backed securities, residential
  
61,660
   
-
   
61,660
   
-
 
Collateralized mortgage obligations
  
338
   
-
   
338
   
-
 
Obligations of states and political subdivisions
  
31,451
   
-
   
31,451
   
-
 
Corporate bonds and notes
  
1,533
   
-
   
1,533
   
-
 
SBA loan pools
  
1,304
   
-
   
1,304
   
-
 
Trust Preferred securities
  
2,028
   
-
   
2,028
   
-
 
Corporate stocks
  
520
   
104
   
416
   
-
 
Total available for sale securities
 
$
280,507
  
$
31,219
  
$
249,288
  
$
-
 
                 
Trading assets
 
$
549
  
$
549
  
$
-
  
$
-
 
 
  
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active Markets for Identical Assets (Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
188,106
  
$
31,262
  
$
156,844
  
$
-
 
Mortgage-backed securities, residential
  
104,356
   
-
   
104,356
   
-
 
Collateralized mortgage obligations
  
1,015
   
-
   
1,015
   
-
 
Obligations of states and political subdivisions
  
38,376
   
-
   
38,376
   
-
 
Corporate bonds and notes
  
2,946
   
-
   
2,946
   
-
 
SBA loan pools
  
1,488
   
-
   
1,488
   
-
 
Trust Preferred securities
  
2,034
   
-
   
2,034
   
-
 
Corporate stocks
  
7,695
   
7,279
   
416
   
-
 
Total available for sale securities
 
$
346,016
  
$
38,541
  
$
307,475
  
$
-
 
                 
Trading assets
 
$
366
  
$
366
  
$
-
  
$
-
 

There were no transfers between Level 1 and Level 2 during the years ended December 31, 2014 and December, 31, 2013.

The significant unobservable inputs used in the fair value measurement of the Corporation’s collateralized mortgage  obligations are probabilities of specific-issuer defaults and deferrals and specific-issuer recovery assumptions.  Significant increases in specific-issuer default assumptions or decreases in specific-issuer recovery assumptions would result in a significantly lower fair value measurement.  Conversely, decreases in specific-issuer default assumptions or increases in specific-issuer recovery assumptions would result in a higher fair value measurement.  The Corporation treats all interest payment deferrals as defaults and assumes no recoveries on defaults.

The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2014 and 2013:

Trust Preferred Securities Available for Sale
 
Fair Value Measurement
twelve-months ended
December 31, 2014 Using
Significant Unobservable
Inputs (Level 3)
  
Fair Value Measurement
twelve-months ended
December 31, 2013 Using
Significant Unobservable
Inputs (Level 3)
 
Beginning balance
 
$
-
  
$
445,600
 
Total gains/losses (realized/unrealized):
        
Included in earnings:
        
Impairment charge on investment securities
  
-
   
(29,025
)
Included in other comprehensive income
  
-
   
183,425
 
Transfers in and/or out of Level 3
  
-
   
(600,000
)
Ending balance, December 31
 
$
-
  
$
-
 

Assets and liabilities measured at fair value on a non-recurring basis are summarized below (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
        
Commercial mortgages:
        
Commercial mortgages
 
$
3,593
  
$
-
  
$
-
  
$
2,905
 
Consumer loans:
                
Home equity lines and loans
  
52
   
-
   
-
   
52
 
Total Impaired Loans
 
$
3,645
  
$
-
  
$
-
  
$
2,957
 
                 
Other real estate owned:
                
Commercial mortgages:
                
Commercial mortgages
 
$
3,063
  
$
-
  
$
-
  
$
3,063
 
Consumer loans:
                
Home equity lines and loans
  
2
   
-
   
-
   
2
 
Total Other Real Estate Owned, net
 
$
3,065
  
$
-
  
$
-
  
$
3,065
 

  
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
        
Commercial and agricultural:
        
Commercial and industrial
 
$
460
  
$
-
  
$
-
  
$
460
 
Commercial mortgages:
                
Commercial mortgages
  
485
   
-
   
-
   
485
 
Consumer loans:
                
Home equity lines and loans
  
54
   
-
   
-
   
54
 
Total Impaired Loans
 
$
999
  
$
-
  
$
-
  
$
999
 
                 
Other real estate owned:
                
Commercial and agricultural:
                
Commercial and industrial
 
$
101
  
$
-
  
$
-
  
$
101
 
Commercial mortgages:
                
Commercial mortgages
  
266
   
-
   
-
   
266
 
Residential mortgages
  
106
   
-
   
-
   
106
 
Consumer loans:
                
Home equity lines and loans
  
65
   
-
   
-
   
65
 
Total Other Real Estate Owned, net
 
$
538
  
$
-
  
$
-
  
$
538
 

The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2014 and December 31, 2013 (amounts in thousands):

Description
 
Fair Value at December 31, 2014
 
Technique
 
Unobservable Inputs
Impaired loans
 
$
3,645
 
Third party real estate and a 100% discount of personal property
  
1
 
Management discount based on underlying collateral characteristics and market conditions
                
OREO
 
$
3,065
 
Third party appraisals
  
1
 
Estimated holding  period
        
2
 
Estimated closing costs

Description
 
Fair Value at December 31, 2013
 
Technique
 
Unobservable Inputs
Impaired loans
 
$
999
 
Third party real estate and a 100% discount of personal property
  
1
 
Management discount based on underlying collateral characteristics and market conditions
                
OREO
 
$
538
 
Third party appraisals
  
1
 
Estimated holding  period
        
2
 
Estimated closing costs

Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $4.9 million with a valuation allowance of $1.2 million as of December 31, 2014, resulting in an increase of $232 thousand in the provision for loan losses for the year ending December 31, 2014.  Impaired loans had a principal balance of $2.0 million with a valuation allowance of $1.0 million as of December 31, 2013, resulting in an increase of $853 thousand in the provision for loan losses for the year ending December 31, 2013.

OREO, which is measured by the lower of carrying or fair value less costs to sell, had a net carrying amount of $3.1 million at December 31, 2014.  The net carrying amount reflects the outstanding balance of $3.1 million net of a valuation allowance of $2 thousand at December 31, 2014.  OREO had a net carrying amount of $538 thousand at December 31, 2013.  The net carrying amount reflects the outstanding balance of $732 thousand, net of a valuation allowance of $194 thousand at December 31, 2013, which resulted in a write down of $2 thousand for the year ended December 31, 2013.

FAIR VALUE OF FINANCIAL INSTRUMENTS

The following methods and assumptions were used to estimate the fair value of each class of financial instruments:

Cash, Due From and Interest-Bearing Deposits in Other Financial Institutions

For those short-term instruments that generally mature in 90 days or less, the carrying value approximates fair value of which non interest-bearing deposits are classified as Level 1 and interest-bearing deposits with the FHLBNY and FRBNY are classified as Level 1, and time deposits are classified as Level 2.

FHLB and FRB Stock

It is not practicable to determine the fair value of FHLBNY and FRBNY stock due to restrictions on its transferability.

Loans Receivable

For variable-rate loans that reprice frequently, fair values approximate carrying values.  The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality.  Loans are classified as Level 3.  The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.  Loans held for sale are classified as Level 2.

Loans Held for Sale

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale are classified as Level 2.

Deposits

The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.

The fair value of certificates of deposits is estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of the weighted-average expected monthly maturities and classified as Level 2.

Securities Sold Under Agreements to Repurchase

These instruments bear both variable and fixed rates of interest.  Therefore, the carrying value approximates fair value for the variable rate instruments and the fair value of fixed rate instruments is based on discounted cash flows to maturity.  These are classified as Level 2.

FHLBNY Term Advances

These instruments bear a stated rate of interest to maturity and, therefore, the fair value is based on discounted cash flows to maturity and classified as Level 2.

Commitments to Extend Credit

The fair value of commitments to extend credit is based on fees currently charged to enter into similar agreements, the counter-party's credit standing and discounted cash flow analysis.  The fair value of these commitments to extend credit approximates the recorded amounts of the related fees and is not material at December 31, 2014 and 2013.

Accrued Interest Receivable and Payable

For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with.
 
The carrying amounts and estimated fair values of other financial instruments, at December 31, 2014 and December 31, 2013, are as follows (amounts in thousands):

  
Fair Value Measurements at December 31, 2014 Using
 
Financial assets:
 
Carrying Amount
  
Quoted Prices
in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
  
Estimated
Fair Value (1)
 
Cash and due from financial institutions
 
$
28,130
  
$
28,130
  
$
-
  
$
-
  
$
28,130
 
Interest-bearing deposits in other financial institutions
  
1,033
   
1,033
   
-
   
-
   
1,033
 
Trading assets
  
549
   
549
   
-
   
-
   
549
 
Securities available for sale
  
280,507
   
31,219
   
249,288
   
-
   
280,507
 
Securities held to maturity
  
5,831
   
-
   
6,197
   
-
   
6,197
 
FHLBNY and FRBNY stock
  
5,535
   
-
   
-
   
-
   
N/A
 
Loans, net
  
1,107,888
   
-
   
-
   
1,135,590
   
1,135,590
 
Loans held for sale
  
665
   
-
   
665
   
-
   
665
 
Accrued interest receivable
  
4,185
   
145
   
1,295
   
2,745
   
4,185
 
                     
Financial liabilities:
                    
Deposits:
                    
Demand, savings, and insured money market accounts
 
$
1,068,171
  
$
1,068,171
  
$
-
  
$
-
  
$
1,068,171
 
Time deposits
  
211,843
   
-
   
212,397
   
-
   
212,397
 
Securities sold under agreements to repurchase
  
29,652
   
-
   
30,853
   
-
   
30,853
 
FHLBNY overnight advances
  
30,830
   
-
   
30,832
   
-
   
30,832
 
FHLBNY term advances
  
19,310
   
-
   
20,235
   
-
   
20,235
 
Accrued interest payable
  
237
   
15
   
222
   
-
   
237
 
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
 
  
Fair Value Measurements at December 31, 2013 Using
 
Financial Assets:
 
Carrying Amount
  
Quoted Prices
in Active Markets
for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
  
Estimated Fair Value (1)
 
Cash and due from financial institutions
 
$
31,600
  
$
31,600
  
$
-
  
$
-
  
$
31,600
 
Interest-bearing deposits in other financial institutions
  
20,009
   
20,009
   
-
   
-
   
20,009
 
Trading assets
  
366
   
366
   
-
   
-
   
366
 
Securities available for sale
  
346,016
   
38,541
   
307,475
   
-
   
346,016
 
Securities held to maturity
  
6,495
   
-
   
6,930
   
-
   
6,930
 
FHLBNY and FRBNY stock
  
4,482
   
-
   
-
   
-
   
N/A
 
Loans, net
  
983,090
   
-
   
-
   
1,008,826
   
1,008,826
 
Loans held for sale
  
695
   
-
   
695
   
-
   
695
 
Accrued interest receivable
  
4,166
   
145
   
1,468
   
2,553
   
4,166
 
                     
Financial liabilities:
                    
Deposits:
                    
Demand, savings, and insured money market accounts
 
$
1,021,764
  
$
1,021,764
  
$
-
  
$
-
  
$
1,021,764
 
Time deposits
  
244,492
   
-
   
245,482
   
-
   
245,482
 
Securities sold under agreements to repurchase
  
32,701
   
-
   
33,636
   
-
   
33,636
 
FHLBNY Advances
  
25,243
   
-
   
26,064
   
-
   
26,064
 
Accrued interest payable
  
336
   
15
   
170
   
151
   
336
 
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
XML 64 R68.htm IDEA: XBRL DOCUMENT v2.4.1.9
PENSION PLAN AND OTHER BENEFIT PLANS, Amounts Recognized, Assumptions Used, Target and Actual Allocation, Fair Value, Estimated Future Benefit Payments, and Other Disclosures (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]      
Net actuarial (gain) loss $ 8,481,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax $ (6,487,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax $ 3,624,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
Recognized actuarial loss (681,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax (1,624,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax (1,431,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
Amortization of prior service cost 90,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax 83,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax 83,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
Total recognized in other comprehensive income (loss) (before tax effect) 7,890,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax (8,028,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax 2,276,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
Defined Contribution Profit Sharing, Savings and Investment Plan [Member]      
Defined Contribution Plan Disclosure [Line Items]      
Number of annual service hours required for eligibility (in hours) 1000 hours    
Total expense 620,000us-gaap_DefinedContributionPlanCostRecognized
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember		 521,000us-gaap_DefinedContributionPlanCostRecognized
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember		 393,000us-gaap_DefinedContributionPlanCostRecognized
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember
Chemung common stock included in defined contribution plan assets (in shares) 170,714chmg_DefinedContributionPlanAssetsEntityCommonStock
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember		 178,133chmg_DefinedContributionPlanAssetsEntityCommonStock
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember		 189,337chmg_DefinedContributionPlanAssetsEntityCommonStock
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionProfitSharingSavingsAndInvestmentPlanMember
Defined Contribution Supplemental Executive Retirement Plan [Member]      
Defined Contribution Plan Disclosure [Line Items]      
Total expense 213,000us-gaap_DefinedContributionPlanCostRecognized
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionSupplementalExecutiveRetirementPlanMember		 155,000us-gaap_DefinedContributionPlanCostRecognized
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionSupplementalExecutiveRetirementPlanMember		  
Balance in the plan 550,000chmg_DefinedContributionPlanBalanceOutstanding
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionSupplementalExecutiveRetirementPlanMember		 337,000chmg_DefinedContributionPlanBalanceOutstanding
/ us-gaap_DefinedContributionPlanNameAxis
= chmg_DefinedContributionSupplementalExecutiveRetirementPlanMember		  
Pension Plan [Member]      
Amount recognized in accumulated other comprehensive income [Abstract]      
Net actuarial loss 17,388,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 9,843,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Prior service cost (benefit) 15,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 22,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Total before tax effects 17,403,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 9,865,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Accumulated benefit obligation 38,700,000us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 31,200,000us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Principal actuarial assumptions used in determining projected benefit obligation [Abstract]      
Discount rate (in hundredths) 4.09%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Assumed rate of future compensation increase (in hundredths) 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Net periodic benefit cost [Abstract]      
Service cost 1,045,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,195,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,074,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Interest cost 1,738,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,587,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,606,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Expected return on plan assets (3,174,000)us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (2,824,000)us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (2,743,000)us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Amortization of net loss/ Recognized actuarial loss 649,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,579,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,410,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Amortization of prior service cost (benefit) 7,000us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 14,000us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 14,000us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Net periodic cost 265,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,551,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,361,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]      
Net actuarial (gain) loss 8,195,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (6,367,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 3,365,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Recognized actuarial loss (649,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (1,579,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (1,410,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Amortization of prior service cost (7,000)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (14,000)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (14,000)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Total recognized in other comprehensive income (loss) (before tax effect) 7,539,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (7,960,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 1,941,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) 7,804,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 (6,409,000)chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 3,302,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 1,475,000us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Prior service cost recognition 7,000us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Weighted-average assumptions for net periodic cost [Abstract]      
Discount rate (in hundredths) 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 4.95%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Expected long-term rate of return on assets (in hundredths) 7.75%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 7.75%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 8.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Assumed rate of future compensation increase (in hundredths) 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Target allocations of plan assets [Abstract]      
Percentage of plan assets (in hundredths) 100.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 100.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 7.75%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 7.75%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 8.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 43,336,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 41,782,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 37,239,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]      
2015 1,761,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
2016 1,849,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
2017 1,949,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
2018 2,052,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
2019 2,114,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
2020-2024 11,949,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Minimum [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Evaluation period of expected long-term return on plan assets 3 years    
Pension Plan [Member] | Maximum [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Evaluation period of expected long-term return on plan assets 5 years    
Pension Plan [Member] | Carrying Value [Member] | Carrying Value [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 43,336,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 41,782,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Pension Plan [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 39,305,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 38,749,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 4,031,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 3,033,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Cash [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 2.50%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 0.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 20.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 1.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 2.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 2.50%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Cash [Member] | Carrying Value [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 626,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 982,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Pension Plan [Member] | Cash [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 626,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 982,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Cash [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Cash [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= us-gaap_CashMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Alternative Assets [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 7.50%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 0.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 10.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 2.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 3.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 7.50%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_AlternativeAssetsMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Equity Securities - U.S. Companies [Member] | Carrying Value [Member] | Carrying Value [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 28,011,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_EquitySecuritiesDomesticMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		 27,170,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_EquitySecuritiesDomesticMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_CarryingReportedAmountFairValueDisclosureMember		  
Pension Plan [Member] | Equity Securities - U.S. Companies [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 28,011,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_EquitySecuritiesDomesticMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		 27,170,000us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_EquitySecuritiesDomesticMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
/ us-gaap_FairValueByMeasurementBasisAxis
= us-gaap_EstimateOfFairValueFairValueDisclosureMember		  
Pension Plan [Member] | Equity Securities - U.S. Companies [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_EquitySecuritiesDomesticMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
/ us-gaap_FairValueByMeasurementBasisAxis
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/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 60.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_LargeCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 50.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_LargeCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 54.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_LargeCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 10.30%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_LargeCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Mid-Cap Domestic Equities [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 10.60%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 0.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 20.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 14.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 8.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 10.60%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_MidCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Small-Cap Domestic Equities [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 10.80%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 0.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 15.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 3.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 3.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 10.80%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_SmallCapDomesticEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | International Equities [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 10.30%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 0.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 25.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 4.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 4.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 10.30%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_InternationalEquitiesMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Pension Plan [Member] | Intermediate Fixed Income [Member]      
Weighted-average assumptions for net periodic cost [Abstract]      
Expected long-term rate of return on assets (in hundredths) 4.70%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocations of plan assets [Abstract]      
Target allocation, minimum (in hundredths) 20.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Target allocation, maximum (in hundredths) 50.00%us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Percentage of plan assets (in hundredths) 26.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		 26.00%us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		  
Expected long-term rate of return on assets (in hundredths) 4.70%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis
= chmg_IntermediateFixedIncomeMember
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_PensionPlansDefinedBenefitMember		    
Defined Benefit Health Care Plan [Member]      
Amount recognized in accumulated other comprehensive income [Abstract]      
Net actuarial loss 322,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 148,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Prior service cost (benefit) (531,000)us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (628,000)us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Total before tax effects (209,000)us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (480,000)us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		  
Principal actuarial assumptions used in determining projected benefit obligation [Abstract]      
Discount rate (in hundredths) 4.09%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Health care cost trend: Initial (in hundredths) 7.00%chmg_DefinedBenefitPlanHealthCareCostTrendRateAssumedObligationForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 8.00%chmg_DefinedBenefitPlanHealthCareCostTrendRateAssumedObligationForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 9.00%chmg_DefinedBenefitPlanHealthCareCostTrendRateAssumedObligationForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Health care cost trend: Ultimate (in hundredths) 5.00%chmg_DefinedBenefitPlanUltimateHealthCareObligationCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 5.00%chmg_DefinedBenefitPlanUltimateHealthCareObligationCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 5.00%chmg_DefinedBenefitPlanUltimateHealthCareObligationCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Year ultimate cost trend reached 2018 2018 2018
Net periodic benefit cost [Abstract]      
Service cost 39,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 44,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 39,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Interest cost 72,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 66,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 71,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Amortization of net loss/ Recognized actuarial loss 3,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 10,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 1,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Amortization of prior service cost (benefit) (97,000)us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (97,000)us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (97,000)us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Net periodic cost 17,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 23,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 14,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]      
Net actuarial (gain) loss 177,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (61,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 178,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Recognized actuarial loss (3,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (10,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (1,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Amortization of prior service cost 97,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 97,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 97,000us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Total recognized in other comprehensive income (loss) (before tax effect) 271,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 26,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 274,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) 288,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 49,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 288,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Increase in unrecognized net loss 174,000chmg_OtherComprehensiveIncomeDefinedBenefitPlansIncreaseDecreaseInNetUnamortizedGainLossArisingDuringPeriodNetOfTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Unrecognized net gain or loss increase threshold percentage for amortization of obligation (in hundredths) 10.00%chmg_TotalUnrecognizedNetLossIncreasedPercentageOfObligationAmortizationThreshold
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Average future working lifetime of active participants 14 years 10 months 20 days    
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 10,000us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Prior service cost recognition (97,000)us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Effect of a 1% increase in health care trend rate on [Abstract]      
Benefit obligation 5,000us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnAccumulatedPostretirementBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 15,000us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnAccumulatedPostretirementBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 4,000us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnAccumulatedPostretirementBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Total service and interest cost 0us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnServiceAndInterestCostComponents
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnServiceAndInterestCostComponents
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointIncreaseOnServiceAndInterestCostComponents
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Effect of a 1% decrease in health care trend rate on [Abstract]      
Benefit obligation (6,000)us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnAccumulatedPostretirementBenefitObligation1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (23,000)us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnAccumulatedPostretirementBenefitObligation1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (5,000)us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnAccumulatedPostretirementBenefitObligation1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Total service and interest cost 0us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnServiceAndInterestCostComponents1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (2,000)us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnServiceAndInterestCostComponents1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 (1,000)us-gaap_DefinedBenefitPlanEffectOfOnePercentagePointDecreaseOnServiceAndInterestCostComponents1
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Weighted-average assumptions for net periodic cost [Abstract]      
Discount rate (in hundredths) 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 4.95%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Health care cost trend: Initial (in hundredths) 8.00%us-gaap_DefinedBenefitPlanHealthCareCostTrendRateAssumedForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 9.00%us-gaap_DefinedBenefitPlanHealthCareCostTrendRateAssumedForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 10.00%us-gaap_DefinedBenefitPlanHealthCareCostTrendRateAssumedForNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Health care cost trend: Ultimate (in hundredths) 5.00%us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Year ultimate reached 2018 2018 2018
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]      
2015 201,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
2016 176,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
2017 140,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
2018 150,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
2019 159,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
2020-2024 652,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Estimated employer contributions in next fiscal year 201,000us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember		    
Executive Supplemental Pension Plan [Member]      
Amount recognized in accumulated other comprehensive income [Abstract]      
Net actuarial loss 275,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 194,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Prior service cost (benefit) 0us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Total before tax effects 275,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 194,000us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Accumulated benefit obligation 1,200,000us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 1,000,000us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		  
Principal actuarial assumptions used in determining projected benefit obligation [Abstract]      
Discount rate (in hundredths) 4.09%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Assumed rate of future compensation increase (in hundredths) 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Net periodic benefit cost [Abstract]      
Service cost 38,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 40,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 35,000us-gaap_DefinedBenefitPlanServiceCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Interest cost 55,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 48,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 51,000us-gaap_DefinedBenefitPlanInterestCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Amortization of net loss/ Recognized actuarial loss 29,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 34,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 20,000us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Net periodic cost 122,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 122,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 106,000us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]      
Net actuarial (gain) loss 110,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (59,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 81,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Recognized actuarial loss (29,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (34,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (20,000)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Total recognized in other comprehensive income (loss) (before tax effect) 81,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 (93,000)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 61,000us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) 203,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 29,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 167,000chmg_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAmountRecognizedInNetBenefitCostAndOtherComprehensiveIncomeLossBeforeTax
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 50,000us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
Prior service cost recognition 0us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
Weighted-average assumptions for net periodic cost [Abstract]      
Discount rate (in hundredths) 4.92%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 4.26%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 4.95%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Assumed rate of future compensation increase (in hundredths) 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 5.00%us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Fair value plan assets by asset class [Abstract]      
Fair value of plan assets 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		 0us-gaap_DefinedBenefitPlanFairValueOfPlanAssets
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]      
2015 75,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
2016 75,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
2017 75,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
2018 116,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
2019 116,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
2020-2024 580,000us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
Estimated employer contributions in next fiscal year $ 75,000us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear
/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis
= us-gaap_OtherPensionPlansPostretirementOrSupplementalPlansDefinedBenefitMember		    
XML 65 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 66 R7.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Increase (Decrease) in Shareholders' Equity [Roll Forward]      
Distribution of shares of treasury stock for directors' deferred compensation (in shares) 3,467chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationShares 3,356chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationShares 3,240chmg_DistributionOfSharesOfTreasuryStockForDirectorsDeferredCompensationShares
Distribution of shares of treasury stock granted for employee restricted stock awards (in shares) 11,279chmg_DistributionOfTreasuryStockForEmployeeRestrictedStockAwardsShares 8,087chmg_DistributionOfTreasuryStockForEmployeeRestrictedStockAwardsShares 10,760chmg_DistributionOfTreasuryStockForEmployeeRestrictedStockAwardsShares
Forfeit of shares of restricted stock awards (in shares)   1,797us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited  
Cash dividends declared (in dollars per share) $ 1.04us-gaap_CommonStockDividendsPerShareDeclared $ 1.04us-gaap_CommonStockDividendsPerShareDeclared $ 1.00us-gaap_CommonStockDividendsPerShareDeclared
Distribution of shares of treasury stock for directors' compensation (in shares) 8,385chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationShares 7,969chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationShares 10,238chmg_DistributionOfSharesOfTreasuryStockForDirectorsCompensationShares
Distribution of shares of treasury stock for employee compensation (in shares) 3,595us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation 4,116us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation 3,453us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation
Sale of shares of treasury stock (in shares)   2,369us-gaap_StockIssuedDuringPeriodSharesTreasuryStockReissued 10,100us-gaap_StockIssuedDuringPeriodSharesTreasuryStockReissued
Purchase of shares of treasury stock (in shares)   3,094us-gaap_TreasuryStockSharesAcquired 25,468us-gaap_TreasuryStockSharesAcquired
XML 67 R3.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
ASSETS    
Securities held to maturity, estimated fair value $ 6,197us-gaap_HeldToMaturitySecuritiesFairValue $ 6,930us-gaap_HeldToMaturitySecuritiesFairValue
Shareholders' equity:    
Common stock, par value (in dollars per share) $ 0.01us-gaap_CommonStockParOrStatedValuePerShare $ 0.01us-gaap_CommonStockParOrStatedValuePerShare
Common stock, shares authorized (in shares) 10,000,000us-gaap_CommonStockSharesAuthorized 10,000,000us-gaap_CommonStockSharesAuthorized
Common stock, shares issued (in shares) 5,310,076us-gaap_CommonStockSharesIssued 5,310,076us-gaap_CommonStockSharesIssued
Treasury stock, at cost (in shares) 680,948us-gaap_TreasuryStockShares 707,674us-gaap_TreasuryStockShares
XML 68 R17.htm IDEA: XBRL DOCUMENT v2.4.1.9
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES
 12 Months Ended
Dec. 31, 2014
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES [Abstract]  
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES
(9)            FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES

The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2014 and 2013.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance (amounts in thousands):
 
2014
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
30,830
   
0.32
%
 
January 2, 2015
 
-
 
 
10,000
   
4.60
%
 
December 22, 2016
 
-
 
 
4,138
   
3.90
%
 
October 19, 2017
 
January 19, 2015
 
 
3,103
   
2.91
%
 
December 4, 2017
 
March 3, 2015
 
 
2,069
   
3.05
%
 
January 2, 2018
 
April 1, 2015
 
$
50,140
 
 
 
1.73
%
 
 
 
 
 
 
2013
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,033
   
3.20
%
 
June 18,2014
 
-
 
 
775
   
3.05
%
 
October 2, 2014
 
-
 
 
4,134
   
3.84
%
 
October 20, 2014
 
January 20, 2014
 
 
10,000
   
4.60
%
 
December 22, 2016
 
-
 
 
4,134
   
3.90
%
 
October 19, 2017
 
January 19, 2014
 
 
3,100
   
2.91
%
 
December 4, 2017
 
March 4, 2014
 
 
2,067
   
3.05
%
 
January 2, 2018
 
April 1, 2014
 
$
 25,243
 
 
 
3.93
%
 
 
 
 
 
 
Each advance is payable at its maturity date, with a prepayment penalty for term advances.  The advances were collateralized by $152.7 million and $145.1 million of first mortgage loans under a blanket lien arrangement at December 31, 2014 and 2013, respectively.  Based on this collateral and the Corporation’s holdings of FHLBNY stock, the Corporation is eligible to borrow up to a total of $86.0 million at year-end 2014.
 
XML 69 R1.htm IDEA: XBRL DOCUMENT v2.4.1.9
Document and Entity Information (USD $)
 12 Months Ended
Dec. 31, 2014
Mar. 13, 2015
Jun. 30, 2014
Document and Entity Information [Abstract]      
Entity Registrant Name CHEMUNG FINANCIAL CORP    
Entity Central Index Key 0000763563    
Current Fiscal Year End Date --12-31    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Filer Category Accelerated Filer    
Entity Public Float     $ 100,470,741dei_EntityPublicFloat
Entity Common Stock, Shares Outstanding   4,647,320dei_EntityCommonStockSharesOutstanding  
Document Fiscal Year Focus 2014    
Document Fiscal Period Focus FY    
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2014    
XML 70 R18.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES
 12 Months Ended
Dec. 31, 2014
INCOME TAXES [Abstract]  
INCOME TAXES
(10)            INCOME TAXES

For the years ended December 31, 2014, 2013 and 2012, income tax expense attributable to income from operations consisted of the following (amounts in thousands):

Current:
 
2014
  
2013
  
2012
 
State
 
$
606
  
$
395
  
$
530
 
Federal
  
5,366
   
3,548
   
4,208
 
   
5,972
   
3,943
   
4,738
 
Deferred expense/(benefit)
  
(2,263
)
  
(121
)
  
647
 
  
$
3,709
  
$
3,822
  
$
5,385
 

Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows (amounts in thousands):

  
2014
  
2013
  
2012
 
Tax computed at statutory rate
 
$
4,034
  
$
4,268
  
$
5,578
 
Tax-exempt interest
  
(456
)
  
(483
)
  
(506
)
Dividend exclusion
  
(60
)
  
(46
)
  
(40
)
State taxes, net of Federal impact
  
227
   
188
   
439
 
Nondeductible interest expense
  
8
   
11
   
16
 
Other items, net
  
(44
)
  
(116
)
  
(102
)
Income tax expense
 
$
3,709
  
$
3,822
  
$
5,385
 
 
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2014 and 2013, are presented below (amounts in thousands):

 
 
2014
  
2013
 
Deferred tax assets:
 
  
 
Allowance for loan losses
 
$
5,182
  
$
4,889
 
Accrual for employee benefit plans
  
709
   
754
 
Depreciation
  
1,010
   
431
 
Deferred compensation and directors' fees
  
1,076
   
947
 
Purchase accounting adjustment – deposits
  
65
   
137
 
Purchase accounting adjustment – loans
  
259
   
340
 
Purchase accounting adjustment - fixed assets
  
221
   
224
 
Accounting for defined benefit pension and other benefit plans
  
6,624
   
3,691
 
Trust preferred impairment write down
  
540
   
742
 
Nonaccrued interest
  
617
   
626
 
Accrued expense
  
1,580
   
-
 
Other
  
456
   
647
 
    Total gross deferred tax assets
  
18,339
   
13,428
 

Deferred tax liabilities:
    
Deferred loan fees and costs
  
910
   
929
 
Prepaid pension
  
5,179
   
5,435
 
Net unrealized gains on securities available for sale
  
1,359
   
3,929
 
Discount accretion
  
410
   
352
 
Core deposit intangible
  
1,479
   
1,556
 
Other
  
153
   
144
 
    Total gross deferred tax liabilities
  
9,490
   
12,345
 
      Net deferred tax asset
 
$
8,849
  
$
1,083
 

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the loss carryback period. A valuation allowance is recognized when it is more likely than not that some portion of the deferred tax assets will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax assets, the level of historical taxable income and projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.  Based on its assessment, management determined that no valuation allowance is necessary.

As of December 31, 2014, December 31, 2013 and December 31, 2012 the Corporation did not have any unrecognized tax benefits.

The Corporation accounts for interest and penalties related to uncertain tax positions as part of its provision for Federal and State income taxes.  As of December 31, 2014, 2013 and 2012, the Corporation did not accrue any interest or penalties related to its uncertain tax positions.

The Corporation is not currently subject to examinations by Federal taxing authorities for the years prior to 2010 and for New York State taxing authorities for the years prior to 2010.
XML 71 R80.htm IDEA: XBRL DOCUMENT v2.4.1.9
BRANCH ACQUISITION (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended 1 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Nov. 30, 2013
Branch
Nov. 23, 2013
Assets acquired and deposits assumed [Abstract]          
Gain from bargain purchase $ 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount $ 470us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount $ 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount    
Bank of America Branch Offices [Member]          
Assets acquired and deposits assumed [Abstract]          
Cash, net         170,904us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Loans         1,240us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialAssets
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Bank premises and equipment         4,081us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Core deposit intangible asset         2,155us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Other assets         350us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Total assets acquired         178,730us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Deposits assumed         177,749chmg_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposit
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Time deposit premium         263chmg_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedTimeDepositPremium
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Other liabilities         718us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Total liabilities assumed         178,730us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember
Number of branches acquired       6chmg_NumberOfBranchesAcquired
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember		  
Gain from bargain purchase $ 470us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount
/ us-gaap_BusinessAcquisitionAxis
= chmg_BankOfAmericaMember		        
Bank of America Branch Offices [Member] | Core Deposit Intangibles [Member]          
Assets acquired and deposits assumed [Abstract]          
Amortization period 7 years        
XML 72 R4.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Interest and Dividend Income:      
Loans, including fees $ 47,139us-gaap_InterestAndFeeIncomeLoansAndLeases $ 45,136us-gaap_InterestAndFeeIncomeLoansAndLeases $ 45,298us-gaap_InterestAndFeeIncomeLoansAndLeases
Taxable securities 5,043us-gaap_InterestIncomeSecuritiesTaxable 4,391us-gaap_InterestIncomeSecuritiesTaxable 5,357us-gaap_InterestIncomeSecuritiesTaxable
Tax exempt securities 967us-gaap_InterestIncomeSecuritiesTaxExempt 1,100us-gaap_InterestIncomeSecuritiesTaxExempt 1,268us-gaap_InterestIncomeSecuritiesTaxExempt
Interest-bearing deposits 64us-gaap_InterestIncomeDepositsWithFinancialInstitutions 36us-gaap_InterestIncomeDepositsWithFinancialInstitutions 153us-gaap_InterestIncomeDepositsWithFinancialInstitutions
Total interest and dividend income 53,213us-gaap_InterestAndDividendIncomeOperating 50,663us-gaap_InterestAndDividendIncomeOperating 52,076us-gaap_InterestAndDividendIncomeOperating
Interest Expense:      
Deposits 2,043us-gaap_InterestExpenseDeposits 2,350us-gaap_InterestExpenseDeposits 3,181us-gaap_InterestExpenseDeposits
Borrowed funds 754us-gaap_InterestExpenseBorrowings 824us-gaap_InterestExpenseBorrowings 1,059us-gaap_InterestExpenseBorrowings
Securities sold under agreements to repurchase 848us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase 858us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase 994us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase
Total interest expense 3,645us-gaap_InterestExpense 4,032us-gaap_InterestExpense 5,234us-gaap_InterestExpense
Net interest income 49,568us-gaap_InterestIncomeExpenseNet 46,631us-gaap_InterestIncomeExpenseNet 46,842us-gaap_InterestIncomeExpenseNet
Provision for loan losses 3,981us-gaap_ProvisionForLoanAndLeaseLosses 2,755us-gaap_ProvisionForLoanAndLeaseLosses 828us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for loan losses 45,587us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 43,876us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 46,014us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Other operating income:      
Wealth management group fee income 7,747us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities 7,344us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities 6,827us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities
Service charges on deposit accounts 5,281us-gaap_FeesAndCommissionsDepositorAccounts 4,706us-gaap_FeesAndCommissionsDepositorAccounts 4,241us-gaap_FeesAndCommissionsDepositorAccounts
Net gains on securities transactions 6,869us-gaap_GainLossOnSaleOfSecuritiesNet 16us-gaap_GainLossOnSaleOfSecuritiesNet 301us-gaap_GainLossOnSaleOfSecuritiesNet
Net impairment loss on investment securities 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (29)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
Net gain on sales of loans held for sale 301us-gaap_GainLossOnSalesOfLoansNet 503us-gaap_GainLossOnSalesOfLoansNet 484us-gaap_GainLossOnSalesOfLoansNet
Casualty gains 0chmg_CasualtyGain 0chmg_CasualtyGain 790chmg_CasualtyGain
Net gains (losses) on sales of other real estate owned (64)us-gaap_GainsLossesOnSalesOfOtherRealEstate 28us-gaap_GainsLossesOnSalesOfOtherRealEstate (45)us-gaap_GainsLossesOnSalesOfOtherRealEstate
Gain from bargain purchase 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount 470us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount 0us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount
Income from bank owned life insurance 78us-gaap_BankOwnedLifeInsuranceIncome 84us-gaap_BankOwnedLifeInsuranceIncome 87us-gaap_BankOwnedLifeInsuranceIncome
Other 6,544us-gaap_NoninterestIncomeOtherOperatingIncome 4,955us-gaap_NoninterestIncomeOtherOperatingIncome 4,503us-gaap_NoninterestIncomeOtherOperatingIncome
Total other operating income 26,756us-gaap_NoninterestIncome 18,077us-gaap_NoninterestIncome 17,188us-gaap_NoninterestIncome
Other operating expenses:      
Salaries and wages 21,315chmg_SalariesAndIncentiveCompensation 19,365chmg_SalariesAndIncentiveCompensation 18,918chmg_SalariesAndIncentiveCompensation
Pension and other employee benefits 5,733us-gaap_PensionAndOtherPostretirementBenefitExpense 5,939us-gaap_PensionAndOtherPostretirementBenefitExpense 5,624us-gaap_PensionAndOtherPostretirementBenefitExpense
Net occupancy expenses 7,098us-gaap_OccupancyNet 5,501us-gaap_OccupancyNet 5,164us-gaap_OccupancyNet
Furniture and equipment expenses 2,972us-gaap_EquipmentExpense 2,326us-gaap_EquipmentExpense 2,205us-gaap_EquipmentExpense
Data processing expense 6,393us-gaap_InformationTechnologyAndDataProcessing 4,750us-gaap_InformationTechnologyAndDataProcessing 4,421us-gaap_InformationTechnologyAndDataProcessing
Professional services 1,597us-gaap_ProfessionalFees 928us-gaap_ProfessionalFees 1,443us-gaap_ProfessionalFees
Legal settlements 4,250us-gaap_LegalFees 0us-gaap_LegalFees 0us-gaap_LegalFees
Amortization of intangible assets 1,310us-gaap_AmortizationOfIntangibleAssets 921us-gaap_AmortizationOfIntangibleAssets 1,047us-gaap_AmortizationOfIntangibleAssets
Marketing and advertising expense 1,079us-gaap_MarketingAndAdvertisingExpense 1,033us-gaap_MarketingAndAdvertisingExpense 1,068us-gaap_MarketingAndAdvertisingExpense
Other real estate owned expenses 247us-gaap_ForeclosedRealEstateExpense 194us-gaap_ForeclosedRealEstateExpense 328us-gaap_ForeclosedRealEstateExpense
FDIC insurance 1,116us-gaap_FederalDepositInsuranceCorporationPremiumExpense 866us-gaap_FederalDepositInsuranceCorporationPremiumExpense 807us-gaap_FederalDepositInsuranceCorporationPremiumExpense
Loan expense 811us-gaap_LoanPortfolioExpense 779us-gaap_LoanPortfolioExpense 788us-gaap_LoanPortfolioExpense
Merger and acquisition related expenses 115us-gaap_BusinessCombinationAcquisitionRelatedCosts 1,387us-gaap_BusinessCombinationAcquisitionRelatedCosts 30us-gaap_BusinessCombinationAcquisitionRelatedCosts
Other 6,441us-gaap_OtherNoninterestExpense 5,411us-gaap_OtherNoninterestExpense 4,952us-gaap_OtherNoninterestExpense
Total other operating expenses 60,477us-gaap_NoninterestExpense 49,400us-gaap_NoninterestExpense 46,795us-gaap_NoninterestExpense
Income (loss) before income tax expense 11,866us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 12,553us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 16,407us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense 3,709us-gaap_IncomeTaxExpenseBenefit 3,822us-gaap_IncomeTaxExpenseBenefit 5,385us-gaap_IncomeTaxExpenseBenefit
Net income $ 8,157us-gaap_NetIncomeLoss $ 8,731us-gaap_NetIncomeLoss $ 11,022us-gaap_NetIncomeLoss
Weighted average shares outstanding (in shares) 4,683us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted 4,660us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted 4,641us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted
Basic and diluted earnings per share (in dollars per share) $ 1.74us-gaap_EarningsPerShareBasicAndDiluted $ 1.87us-gaap_EarningsPerShareBasicAndDiluted $ 2.38us-gaap_EarningsPerShareBasicAndDiluted
XML 73 R12.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES
(4)            LOANS AND ALLOWANCE FOR LOAN LOSSES

The composition of the loan portfolio, net of deferred loan fees is summarized as follows (amounts in thousands):

  
December 31, 2014
  
December 31, 2013
 
Commercial and agricultural:
    
Commercial and industrial
 
$
165,385
  
$
144,787
 
Agricultural
  
1,021
   
576
 
Commercial mortgages:
        
Construction
  
54,831
   
27,440
 
Commercial mortgages
  
397,762
   
345,707
 
Residential mortgages
  
196,809
   
195,997
 
Consumer loans:
        
Credit cards
  
1,654
   
1,756
 
Home equity lines and loans
  
99,354
   
95,905
 
Indirect consumer loans
  
184,763
   
164,846
 
Direct consumer loans
  
19,995
   
18,852
 
Total loans, net of deferred loan fees
 
$
1,121,574
  
$
995,866
 
Interest receivable on loans
  
2,780
   
2,597
 
Total recorded investment in loans
 
$
1,124,354
  
$
998,463
 

Residential mortgages held for sale as of December 31, 2014 and 2013 totaling $0.7 million and $0.7 million, respectively, are not included in the above table.

Residential mortgages totaling $152.7 million at December 31, 2014 and $145.1 million at December 31, 2013 were pledged under a blanket collateral agreement for the Corporation's line of credit with the FHLBNY.

The Corporation's concentrations of credit risk by loan type are reflected in the preceding table.  The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above.

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2014, 2013 and 2012, respectively (amounts in thousands):
 
  
December 31, 2014
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
-
  
$
12,776
 
Charge Offs:
  
(444
)
  
(2,229
)
  
(97
)
  
(1,508
)
  
-
   
(4,278
)
Recoveries:
  
385
   
156
   
32
   
634
   
-
   
1,207
 
Net (charge offs) recoveries
  
(59
)
  
(2,073
)
  
(65
)
  
(874
)
  
-
   
(3,071
)
Provision
  
(460
)
  
2,156
   
120
   
2,165
   
-
   
3,981
 
Ending balance
 
$
1,460
  
$
6,326
  
$
1,572
  
$
4,328
  
$
-
  
$
13,686
 

  
December 31, 2013
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
1,708
  
$
4,428
  
$
1,565
  
$
2,706
  
$
26
  
$
10,433
 
Charge Offs:
  
(186
)
  
(44
)
  
(124
)
  
(1,139
)
  
-
   
(1,493
)
Recoveries:
  
537
   
98
   
65
   
381
   
-
   
1,081
 
Net recoveries (charge offs)
  
351
   
54
   
(59
)
  
(758
)
  
-
   
(412
)
Provision
  
(80
)
  
1,761
   
11
   
1,089
   
(26
)
  
2,755
 
Ending balance
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
-
  
$
12,776
 

  
December 31, 2012
 
Allowance for loan losses
 
Commercial, and Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
3,143
  
$
2,570
  
$
1,310
  
$
2,193
  
$
443
  
$
9,659
 
Reclassification of acquired loan discount
  
74
   
50
   
-
   
-
   
-
   
124
 
Charge Offs:
  
(181
)
  
(335
)
  
(83
)
  
(674
)
  
-
   
(1,273
)
Recoveries:
  
802
   
55
   
-
   
238
   
-
   
1,095
 
Net recoveries (charge offs)
  
621
   
(280
)
  
(83
)
  
(436
)
  
-
   
(178
)
Provision
  
(2,130
)
  
2,088
   
338
   
949
   
(417
)
  
828
 
Ending balance
 
$
1,708
  
$
4,428
  
$
1,565
  
$
2,706
  
$
26
  
$
10,433
 

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
 
Allowance for loan losses
Commercial
and
Agricultural
 
Commercial Mortgages
 
Residential Mortgages
 
Consumer Loans
 
Total
 
Ending allowance balance attributable to loans:
     
Individually evaluated for impairment
 
$
89
  
$
1,145
  
$
-
  
$
1
  
$
1,235
 
Collectively evaluated for impairment
  
1,335
   
5,145
   
1,550
   
4,327
   
12,357
 
Loans acquired with deteriorated credit quality
  
36
   
36
   
22
   
-
   
94
 
Total ending allowance balance
 
$
1,460
  
$
6,326
  
$
1,572
  
$
4,328
  
$
13,686
 

 
December 31, 2013
 
Allowance for loan losses
Commercial
and
Agricultural
 
Commercial Mortgages
 
Residential Mortgages
 
Consumer Loans
 
Total
 
Ending allowance balance attributable to loans:
     
Individually evaluated for impairment
 
$
576
  
$
466
  
$
-
  
$
4
  
$
1,046
 
Collectively evaluated for impairment
  
1,403
   
4,407
   
1,497
   
3,033
   
10,340
 
Loans acquired with deteriorated credit quality
  
-
   
1,370
   
20
   
-
   
1,390
 
Total ending allowance balance
 
$
1,979
  
$
6,243
  
$
1,517
  
$
3,037
  
$
12,776
 

  
December 31, 2014
 
Loans:
 
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
 
Loans individually evaluated for impairment
 
$
1,452
  
$
13,712
  
$
254
  
$
486
  
$
15,904
 
Loans collectively evaluated for  impairment
  
164,748
   
438,246
   
196,783
   
306,042
   
1,105,819
 
Loans acquired with deteriorated credit quality
  
620
   
1,761
   
250
   
-
   
2,631
 
Total ending loans balance
 
$
166,820
  
$
453,719
  
$
197,287
  
$
306,528
  
$
1,124,354
 

  
December 31, 2013
 
Loans:
 
Commercial
and
Agricultural
  
Commercial Mortgages
  
Residential Mortgages
  
Consumer Loans
  
Total
 
Loans individually evaluated for impairment
 
$
2,946
  
$
10,703
  
$
117
  
$
131
  
$
13,897
 
Loans collectively evaluated for  impairment
  
142,108
   
354,636
   
196,147
   
281,979
   
974,870
 
Loans acquired with deteriorated credit quality
  
678
   
8,757
   
261
   
-
   
9,696
 
Total ending loans balance
 
$
145,732
  
$
374,096
  
$
196,525
  
$
282,110
  
$
998,463
 
 
The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2014 and December 31, 2013, the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

  
December 31, 2014
  
December 31, 2013
 
  
Unpaid Principal Balance
  
Recorded Investment
  
Allowance for Loan Losses Allocated
  
Unpaid Principal Balance
  
Recorded Investment
  
Allowance for Loan Losses Allocated
 
With no related allowance recorded:
            
Commercial and agricultural:
            
Commercial and industrial
 
$
1,359
  
$
1,364
  
$
-
  
$
1,906
  
$
1,909
  
$
-
 
Commercial mortgages:
                        
Construction
  
1,927
   
1,910
   
-
   
2,329
   
2,319
   
-
 
Commercial mortgages
  
7,803
   
7,708
   
-
   
7,406
   
7,439
   
-
 
Residential mortgages
  
253
   
253
   
-
   
117
   
117
   
-
 
Consumer loans:
                        
Home equity lines and loans
  
429
   
432
   
-
   
71
   
73
   
-
 
With an allowance recorded:
                        
Commercial and agricultural:
                        
Commercial and industrial
  
89
   
89
   
89
   
1,037
   
1,037
     
Commercial mortgages:
                      
576
 
Commercial mortgages
  
4,210
   
4,094
   
1,145
   
951
   
945
     
Consumer loans:
                      
466
 
Home equity lines and loans
  
54
   
54
   
1
   
58
   
58
   
4
 
Total
 
$
16,124
  
$
15,904
  
$
1,235
  
$
13,875
  
$
13,897
  
$
1,046
 

  
December 31, 2014
  
December 31, 2013
  
December 31, 2012
 
  
Average Recorded Investment
  
Interest Income Recognized (1)
  
Average Recorded Investment
  
Interest Income Recognized (1)
  
Average Recorded Investment
  
Interest Income Recognized (1)
 
With no related allowance recorded:
            
Commercial and agricultural:
            
Commercial and industrial
 
$
1,463
  
$
40
  
$
1,605
  
$
71
  
$
481
  
$
1
 
Commercial mortgages:
                        
Construction
  
2,104
   
102
   
3,364
   
95
   
73
   
1
 
Commercial mortgages
  
7,492
   
259
   
5,991
   
249
   
1,990
   
10
 
Residential mortgages
  
141
   
1
   
125
   
-
   
106
   
-
 
Consumer loans:
                        
Home equity lines & loans
  
143
   
6
   
47
   
2
   
30
   
-
 
With an allowance recorded:
                        
Commercial and agricultural:
                        
Commercial and industrial
  
502
   
-
   
719
   
-
   
1,831
   
-
 
Commercial mortgages:
                        
Construction
  
-
   
-
   
-
   
-
   
4
   
-
 
Commercial mortgages
  
1,611
   
41
   
867
   
-
   
872
   
-
 
Residential mortgages
  
-
   
-
   
-
   
-
   
64
   
-
 
Consumer loans:
                        
Home equity lines and loans
  
56
   
4
   
47
   
3
   
-
   
-
 
Direct consumer loans
  
-
   
-
   
3
   
-
   
-
   
-
 
Total
 
$
13,512
  
$
453
  
$
12,768
  
$
421
  
$
5,451
  
$
12
 
(1)  Cash basis interest income approximates interest income recognized.

The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2014 and December 31, 2013 (amounts in thousands):
 
December 31, 2014
  
Current
  
30-89 Days Past Due
  
90 Days or more Past Due and accruing
  
Loans acquired with deteriorated credit quality
  
Non-Accrual (1)
  
Total
 
Commercial and agricultural:
            
Commercial and industrial
 
$
164,109
  
$
756
  
$
-
  
$
620
  
$
312
  
$
165,797
 
Agricultural
  
1,023
   
-
   
-
   
-
   
-
   
1,023
 
Commercial mortgages:
                        
Construction
  
53,371
   
-
   
1,446
   
-
   
150
   
54,967
 
Commercial mortgages
  
391,096
   
3,064
   
-
   
1,761
   
2,831
   
398,752
 
Residential mortgages
  
191,089
   
2,333
   
-
   
250
   
3,615
   
197,287
 
Consumer loans:
                        
Credit cards
  
1,641
   
5
   
8
   
-
   
-
   
1,654
 
Home equity lines and loans
  
98,340
   
736
   
-
   
-
   
515
   
99,591
 
Indirect consumer loans
  
183,103
   
1,789
   
-
   
-
   
325
   
185,217
 
Direct consumer loans
  
19,988
   
48
   
-
   
-
   
30
   
20,066
 
Total
 
$
1,103,760
  
$
8,731
  
$
1,454
  
$
2,631
  
$
7,778
  
$
1,124,354
 

(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.

December 31, 2013
  
Current
  
30-89 Days Past Due
  
90 Days or more Past Due and accruing
  
Loans acquired with deteriorated credit quality
  
Non-Accrual (1)
  
Total
 
Commercial and agricultural:
            
Commercial and industrial
 
$
143,100
  
$
29
  
$
-
  
$
678
  
$
1,348
  
$
145,155
 
Agricultural
  
577
   
-
   
-
   
-
   
-
   
577
 
Commercial mortgages:
                        
Construction
  
24,742
   
-
   
1,454
   
774
   
540
   
27,510
 
Commercial mortgages
  
335,123
   
1,138
   
-
   
7,983
   
2,342
   
346,586
 
Residential mortgages
  
187,448
   
5,458
   
-
   
261
   
3,358
   
196,525
 
Consumer loans:
                        
Credit cards
  
1,729
   
9
   
19
   
-
   
-
   
1,757
 
Home equity lines and loans
  
95,349
   
150
   
-
   
-
   
635
   
96,134
 
Indirect consumer loans
  
163,810
   
1,235
   
-
   
-
   
249
   
165,294
 
Direct consumer loans
  
18,830
   
50
   
-
   
-
   
45
   
18,925
 
Total
 
$
970,708
  
$
8,069
  
$
1,473
  
$
9,696
  
$
8,517
  
$
998,463
 

(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.

Troubled Debt Restructurings:

A modification of a loan may result in classification as a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession.  The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan.

As of December 31, 2014, 2013 and 2012, the Corporation has a recorded investment in troubled debt restructurings of $9.7 million, $7.9 million, and $5.7 million, respectively.  There were specific reserves of $0.3 million allocated for troubled debt restructurings at December 31, 2014 and December 31, 2013, respectively, and no specific reserves allocated at December 31, 2012.  As of December 31, 2014, troubled debt restructurings totaling $8.7 were accruing interest under the modified terms and $1.0 million were on non-accrual status.  As of December 31, 2013, troubled debt restructurings totaling $6.8 million were accruing interest under the modified terms and $1.1 million were on non-accrual status.  As of December 31, 2012, troubled debt restructurings totaling $5.4 million were accruing interest under the modified terms and $0.4 million were on non-accrual status.  The Corporation has committed additional amounts totaling up to less than $0.1 million and $0.2 million as of December 31, 2014 and December 31, 2013, respectively, to customers with outstanding loans that are classified as troubled debt restructurings. The Corporation did not commit to lend any additional amounts to customers with outstanding loans that were classified as troubled debt restructurings as of December 31, 2012.

During the years ended December 31, 2014, 2013 and 2012, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk or a permanent reduction of the recorded investment in the loan.

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2014, 2013 and 2012 (amounts in thousands):

December 31, 2014
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
4
  
$
1,028
  
$
1,028
 
Commercial mortgages:
            
Commercial mortgages
  
4
   
2,666
   
2,623
 
Residential mortgages
  
1
   
149
   
150
 
Consumer loans:
            
Home equity lines and loans
  
1
   
366
   
366
 
Total
  
10
  
$
4,209
  
$
4,167
 

December 31, 2013
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
5
  
$
1,343
  
$
1,343
 
Commercial mortgages:
            
Construction
  
1
   
326
   
326
 
Commercial mortgages
  
1
   
133
   
133
 
Consumer loans:
            
Home equity lines and loans
  
3
   
134
   
134
 
Total
  
10
  
$
1,936
  
$
1,936
 

December 31, 2012
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Troubled debt restructurings:
      
Commercial and agricultural:
      
Commercial and industrial
  
4
  
$
1,307
  
$
1,307
 
Commercial mortgages:
            
Construction
  
1
   
251
   
251
 
Commercial mortgages
  
3
   
3,872
   
3,872
 
Total
  
8
  
$
5,430
  
$
5,430
 

The troubled debt restructurings described above increased the allowance for loan losses by $0.2 million and resulted in less than $0.1 million in charge offs during the twelve months ended December 31, 2014.  The troubled debt restructurings described above increased the allowance for loan losses by $0.1 million and resulted in no charge offs during the year ended December 31, 2013.  The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in no charge offs during the year ended December 31, 2012.

There were no payment defaults on any loans previously modified as troubled debt restructurings during the years ended December 31, 2014, December 31, 2013 or December 31, 2012, within twelve months following the modification.  A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans.  The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry.  Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually.

For the retail loans, which include residential mortgages, indirect and direct consumer loans, home equity lines and loans, and credit cards, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly.  The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position as some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.  Loans listed as not rated are included in groups of homogeneous loans.  Based on the analyses performed as of December 31, 2014 and December 31, 2013, the risk category of the recorded investment of loans by class of loans is as follows (amounts in thousands):

  
December 31, 2014
 
  
Not Rated
  
Pass
  
Loans
acquired with deteriorated credit quality
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
Commercial and
  agricultural:
              
Commercial and industrial
 
$
-
  
$
158,140
  
$
620
  
$
3,695
  
$
3,306
  
$
36
  
$
165,797
 
Agricultural
  
-
   
1,023
   
-
   
-
   
-
   
-
   
1,023
 
Commercial mortgages:
                            
Construction
  
-
   
51,525
   
-
   
3,292
   
150
   
-
   
54,967
 
Commercial mortgages
  
-
   
365,448
   
1,761
   
20,871
   
10,266
   
406
   
398,752
 
Residential mortgages
  
193,422
   
-
   
250
   
-
   
3,615
   
-
   
197,287
 
Consumer loans
                            
Credit cards
  
1,654
   
-
   
-
   
-
   
-
   
-
   
1,654
 
Home equity lines and loans
  
99,076
   
-
   
-
   
-
   
515
   
-
   
99,591
 
Indirect consumer loans
  
184,940
   
-
   
-
   
-
   
277
   
-
   
185,217
 
Direct consumer loans
  
20,045
   
-
   
-
   
-
   
21
   
-
   
20,066
 
Total
 
$
499,137
  
$
576,136
  
$
2,631
  
$
27,858
  
$
18,150
  
$
442
  
$
1,124,354
 


  
December 31, 2013
 
  
Not Rated
  
Pass
  
Loans
acquired with deteriorated credit quality
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
Commercial and
  agricultural:
              
Commercial and industrial
 
$
-
  
$
133,615
  
$
678
  
$
5,117
  
$
4,724
  
$
1,021
  
$
145,155
 
Agricultural
  
-
   
577
   
-
   
-
   
-
   
-
   
577
 
Commercial mortgages:
                            
Construction
  
-
   
23,087
   
774
   
2,783
   
866
   
-
   
27,510
 
Commercial mortgages
  
-
   
313,956
   
7,983
   
13,611
   
11,036
   
-
   
346,586
 
Residential mortgages
  
192,995
   
-
   
261
   
-
   
3,269
   
-
   
196,525
 
Consumer loans
                            
Credit cards
  
1,757
   
-
   
-
   
-
   
-
   
-
   
1,757
 
Home equity lines and loans
  
95,422
   
-
   
-
   
-
   
712
   
-
   
96,134
 
Indirect consumer loans
  
165,045
   
-
   
-
   
-
   
249
   
-
   
165,294
 
Direct consumer loans
  
18,880
   
-
   
-
   
-
   
45
   
-
   
18,925
 
Total
 
$
474,099
  
$
471,235
  
$
9,696
  
$
21,511
  
$
20,901
  
$
1,021
  
$
998,463
 

The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity.  The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2014 and December 31, 2013 (amounts in thousands):

 
December 31, 2014
 
  
Consumer Loans
 
 
Residential Mortgages
 
Credit Card
 
Home Equity Lines and Loans
 
Indirect Consumer Loans
 
Other Direct Consumer Loans
 
Performing
 
$
193,672
  
$
1,654
  
$
99,076
  
$
184,892
  
$
20,036
 
Non-Performing
  
3,615
   
-
   
515
   
325
   
30
 
  
$
197,287
  
$
1,654
  
$
99,591
  
$
185,217
  
$
20,066
 

 
December 31, 2013
 
  
Consumer Loans
 
 
Residential Mortgages
 
Credit Card
 
Home Equity Lines and Loans
 
Indirect Consumer Loans
 
Other Direct Consumer Loans
 
Performing
 
$
193,167
  
$
1,757
  
$
95,499
  
$
165,045
  
$
18,880
 
Non-Performing
  
3,358
   
-
   
635
   
249
   
45
 
Total
 
$
196,525
  
$
1,757
  
$
96,134
  
$
165,294
  
$
18,925
 
 
At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower.  These loans are classified as PCI loans.  The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year.  These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.

The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2014 to December 31, 2014 (amounts in thousands):
 
  
Balance at
December 31, 2013
  
Income Accretion
  
All Other Adjustments
  
Balance at
December 31, 2014
 
Contractually required principal and interest
 
$
11,230
  
$
-
  
$
(7,609
)
 
$
3,621
 
Contractual cash flows not expected to be collected (non accretable discount)
  
(543
)
  
-
   
(27
)
  
(570
)
Cash flows expected to be collected
  
10,687
   
-
   
(7,636
)
  
3,051
 
Interest component of expected cash flows (accretable yield)
  
(991
)
  
515
   
56
   
(420
)
Fair value of loans acquired with deteriorating credit quality
 
$
9,696
  
$
515
  
$
(7,580
)
 
$
2,631
 
XML 74 R11.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES
 12 Months Ended
Dec. 31, 2014
SECURITIES [Abstract]  
SECURITIES
(3)            SECURITIES

Amortized cost and estimated fair value of securities available for sale at December 31, 2014 and 2013 are as follows (amounts in thousands):

  
2014
  
2013
 
  
Amortized Cost
  
Estimated Fair Value
  
Amortized Cost
  
Estimated Fair Value
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
180,535
  
$
181,673
  
$
187,098
  
$
188,106
 
Mortgage-backed securities, residential
  
60,787
   
61,660
   
104,069
   
104,356
 
Collateralized mortgage obligations
  
335
   
338
   
1,001
   
1,015
 
Obligations of states and political subdivisions
  
30,677
   
31,451
   
37,339
   
38,376
 
Corporate bonds and notes
  
1,502
   
1,533
   
2,879
   
2,946
 
SBA loan pools
  
1,296
   
1,304
   
1,471
   
1,488
 
Trust preferred securities
  
1,906
   
2,028
   
1,898
   
2,034
 
Corporate stocks
  
285
   
520
   
444
   
7,695
 
Total
 
$
277,323
  
$
280,507
  
$
336,199
  
$
346,016
 

Gross unrealized gains and losses on securities available for sale at December 31, 2014 and 2013, were as follows (amounts in thousands):

  
2014
  
2013
 
  
Unrealized
  
Unrealized
  
Unrealized
  
Unrealized
 
  
Gains
  
Losses
  
Gains
  
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
1,300
  
$
162
  
$
1,914
  
$
906
 
Mortgage-backed securities, residential
  
892
   
19
   
1,037
   
750
 
Collateralized mortgage obligations
  
3
   
-
   
14
   
-
 
Obligations of states and political subdivisions
  
802
   
28
   
1,059
   
22
 
Corporate bonds and notes
  
35
   
4
   
76
   
9
 
SBA loan pools
  
11
   
3
   
17
   
-
 
Trust preferred securities
  
122
   
-
   
136
   
-
 
Corporate stocks
  
235
   
-
   
7,253
   
2
 
Total
 
$
3,400
  
$
216
  
$
11,506
  
$
1,689
 

The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately (amounts in thousands):

  
December 31, 2014
 
  
Amortized
  
Fair
 
  
Cost
  
Value
 
 Within one year
 
$
37,087
  
$
37,552
 
After one, but within five years
  
172,100
   
173,534
 
After five, but within ten years
  
5,433
   
5,599
 
After ten years
  
-
   
-
 
Mortgage-backed securities, residential
  
60,787
   
61,660
 
Collateralized mortgage obligations
  
335
   
338
 
SBA loan pools
  
1,296
   
1,304
 
Total
 
$
277,038
  
$
279,987
 

Actual maturities may differ from contractual maturities above because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

The proceeds from sales and calls of securities resulting in gains or losses are listed below (amounts in thousands):

  
2014
  
2013
  
2012
 
Proceeds
 
$
36,258
  
$
2,650
  
$
26,210
 
Gross gains
 
$
6,869
  
$
16
  
$
301
 
Tax expense
 
$
2,641
  
$
6
  
$
116
 

Amortized cost and estimated fair value of securities held to maturity at December 31, 2014 and 2013 are as follows (amounts in thousands):

 
2014
 
2013
 
 
Amortized
Cost
 
Estimated Fair Value
 
Amortized
Cost
 
Estimated Fair Value
 
Obligations of states and political subdivisions
 
$
5,175
  
$
5,535
  
$
5,472
  
$
5,891
 
Time deposits with other financial institutions
  
656
   
662
   
1,023
   
1,039
 
  
$
5,831
  
$
6,197
  
$
6,495
  
$
6,930
 
 
Gross unrealized gains and losses on securities held to maturity at December 31, 2014 and 2013, were as follows (amounts in thousands):

 
2014
 
2013
 
 
Unrealized
 
Unrealized
 
Unrealized
 
Unrealized
 
 
Gains
 
Losses
 
Gains
 
Losses
 
Obligations of states and political subdivisions
 
$
360
  
$
-
  
$
419
  
$
-
 
Time deposits with other financial institutions
  
6
   
-
   
16
   
-
 
Total
 
$
366
  
$
-
  
$
435
  
$
-
 

There were no sales of securities held to maturity in 2014 or 2013.

The contractual maturity of securities held to maturity is as follows at December 31, 2014 (amounts in thousands):

 
December 31, 2014
 
 
Amortized
 
Fair
 
 
Cost
 
Value
 
Within one year
 
$
2,629
  
$
2,658
 
After one, but within five years
  
2,199
   
2,390
 
After five, but within ten years
  
1,003
   
1,149
 
After ten years
  
-
   
-
 
Total
 
$
5,831
  
$
6,197
 

The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2014 and December 31, 2013 by aggregated major security type and length of time in a continuous unrealized position (amounts in thousands):

  
Less than 12 months
  
12 months or longer
  
Total
 
 
2014
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
57,512
  
$
108
  
$
4,945
  
$
54
  
$
62,457
  
$
162
 
Mortgage-backed securities, residential
  
11,051
   
19
   
-
   
-
   
11,051
   
19
 
Obligations of states and political subdivisions
  
4,625
   
22
   
1,056
   
6
   
5,681
   
28
 
Corporate bonds and notes
  
-
   
-
   
243
   
4
   
243
   
4
 
SBA loan pools
  
276
   
1
   
316
   
2
   
592
   
3
 
Total temporarily impaired securities
 
$
73,464
  
$
150
  
$
6,560
  
$
66
  
$
80,024
  
$
216
 

  
Less than 12 months
  
12 months or longer
  
Total
 
 
2013
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
83,840
  
$
867
  
$
1,978
  
$
39
  
$
85,818
  
$
906
 
Mortgage-backed securities, residential
  
63,115
   
750
   
-
   
-
   
63,115
   
750
 
Obligations of states and political subdivisions
  
4,589
   
22
   
-
   
-
   
4,589
   
22
 
Corporate bonds and notes
  
238
   
9
   
-
   
-
   
238
   
9
 
Corporate stocks
  
-
   
-
   
2
   
2
   
2
   
2
 
Total temporarily impaired securities
 
$
151,782
  
$
1,648
  
$
1,980
  
$
41
  
$
153,762
  
$
1,689
 

Other-Than-Temporary-Impairment

As of December 31, 2014, the majority of the Corporation’s unrealized losses in the investment securities portfolio related to obligations of U.S. Government and U.S. Government sponsored enterprises and mortgage-backed securities.  Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at December 31, 2014.

During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $600 thousand.  Total proceeds from the sale of this CDO, was $600 thousand resulting in a slight loss.  The Corporation recognized $29 thousand of additional credit loss in OTTI during 2013.  This CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” regarding the ability of banks to hold these types of securities and based on current market conditions.

The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2014, 2013 and 2012 (amounts in thousands):

  
2014
  
2013
  
2012
 
Beginning balance, January 1,
 
$
1,939
  
$
3,506
  
$
3,506
 
Amounts related to credit loss for which other-than-temporary impairment was not previously recognized
  
-
   
-
   
-
 
Additions/Subtractions:
            
Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis
  
-
   
-
   
-
 
Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security
  
-
   
-
   
-
 
Reductions for previous credit losses realized on securities sold during the year
  
-
   
(1,596
)
  
-
 
Reductions for previous credit losses realized on securities liquidated during the year
  
(1,939
)
  
-
   
-
 
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized
  
-
   
29
   
-
 
Ending balance, December 31,
 
$
-
  
$
1,939
  
$
3,506
 

During the first quarter of 2014, the Corporation received notice that one CDO consisting of a pool of trust preferred securities was liquidated and recorded $500 thousand in other operating income during the first quarter of 2014 to reflect proceeds received from the liquidation.  The Corporation does not own any other CDO’s in its investment securities portfolio.

The fair value of securities pledged to secure public funds on deposit or for other purposes as required by law was $190.7 million at December 31, 2014 and $188.9 million at December 31, 2013.

The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2014 and 2013. (amounts in thousands)

  
2014
  
2013
 
  
Amortized Cost
  
Fair Value
  
Amortized Cost
  
Fair Value
 
Obligations of U.S. Government and U. S. Government sponsored enterprises
 
$
36,195
  
$
36,641
  
$
33,746
  
$
34,369
 
Mortgage-backed securities, residential
  
7,934
   
8,350
   
11,802
   
12,365
 
Collateralized mortgage obligations
  
48
   
48
   
205
   
207
 
Total
 
$
44,177
  
$
45,039
  
$
45,753
  
$
46,941
 

There are no securities of a single issuer (other than securities of U.S. Government sponsored enterprises) that exceed 10% of shareholders' equity at December 31, 2014 or 2013.

The Corporation has an equity investment in Cephas Capital Partners, L.P.  This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. As of December 31, 2014 and 2013, these investments totaled $0.7 million and $1.0 million, respectively, are included in other assets, and are accounted for under the equity method of accounting.
XML 75 R23.htm IDEA: XBRL DOCUMENT v2.4.1.9
PARENT COMPANY FINANCIAL INFORMATION
 12 Months Ended
Dec. 31, 2014
PARENT COMPANY FINANCIAL INFORMATION [Abstract]  
PARENT COMPANY FINANCIAL INFORMATION
(15)            PARENT COMPANY FINANCIAL INFORMATION

Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting) (amounts in thousands):

BALANCE SHEETS - DECEMBER 31
 
2014
  
2013
 
Assets:
    
Cash on deposit with subsidiary bank
 
$
3,200
  
$
2,686
 
Investment in subsidiary - Chemung Canal Trust Company
  
128,081
   
133,557
 
Investment in subsidiary - CFS Group, Inc.
  
908
   
779
 
Dividends receivable from subsidiary bank
  
1,204
   
1,195
 
Securities available for sale, at estimated fair value
  
346
   
343
 
Other assets
  
1,129
   
1,254
 
Total assets
 
$
134,868
  
$
139,814
 
Liabilities and shareholders' equity:
        
Dividends payable
  
1,204
   
1,195
 
Other liabilities
  
36
   
41
 
Total liabilities
  
1,240
   
1,236
 
Shareholders' equity:
        
Total shareholders' equity
  
133,628
   
138,578
 
Total liabilities and shareholders' equity
 
$
134,868
  
$
139,814
 

STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
 
2014
  
2013
  
2012
 
Dividends from subsidiary bank
 
$
4,805
  
$
4,778
  
$
4,573
 
Interest and dividend income
  
10
   
9
   
7
 
Other income
  
-
   
132
   
150
 
Operating expenses
  
261
   
324
   
331
 
Income before impact of subsidiaries' undistributed earnings
  
4,554
   
4,595
   
4,399
 
Equity in undistributed earnings of Chemung Canal Trust Company
  
3,307
   
3,873
   
6,411
 
Equity in undistributed earnings of CFS Group, Inc.
  
129
   
139
   
54
 
Income before income tax
  
7,990
   
8,607
   
10,864
 
Income tax benefit
  
(167
)
  
(124
)
  
(158
)
Net Income
 
$
8,157
  
$
8,731
  
$
11,022
 

STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
 
2014
  
2013
  
2012
 
Cash flows from operating activities:
      
Net Income
 
$
8,157
  
$
8,731
  
$
11,022
 
Adjustments to reconcile net income to net cash provided by operating activities:
            
Equity in undistributed earnings of Chemung Canal Trust Company
  
(3,307
)
  
(3,873
)
  
(6,411
)
Equity in undistributed earnings of CFS Group, Inc.
  
(129
)
  
(139
)
  
(54
)
Change in dividend receivable
  
(9
)
  
(1,195
)
  
1,141
 
Change in other assets
  
126
   
558
   
765
 
Change in other liabilities
  
110
   
79
   
48
 
Expense related to employee stock compensation
  
117
   
112
   
80
 
Expense related to restricted stock units for directors' deferred compensation plan
  
94
   
99
   
87
 
Expense to employee restricted stock awards
  
151
   
131
   
80
 
Net cash provided by operating activities
  
5,310
   
4,503
   
6,758
 
Cash flow from financing activities:
            
Cash dividends paid
  
(4,796
)
  
(3,583
)
  
(5,714
)
Purchase of treasury stock
  
-
   
(93
)
  
(636
)
Sale of treasury stock
  
-
   
71
   
258
 
Net cash used in financing activities
  
(4,796
)
  
(3,605
)
  
(6,092
)
Increase in cash and cash equivalents
  
514
   
898
   
666
 
Cash and cash equivalents at beginning of year
  
2,686
   
1,788
   
1,122
 
Cash and cash equivalents at end of year
 
$
3,200
  
$
2,686
  
$
1,788
 
XML 76 R19.htm IDEA: XBRL DOCUMENT v2.4.1.9
PENSION PLAN AND OTHER BENEFIT PLANS
 12 Months Ended
Dec. 31, 2014
PENSION PLAN AND OTHER BENEFIT PLANS [Abstract]  
PENSION PLAN AND OTHER BENEFIT PLANS
(11)            PENSION PLAN AND OTHER BENEFIT PLANS

Pension Plan

The Corporation has a noncontributory defined benefit pension plan covering a majority of employees.  The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.

The Corporation uses a December 31 measurement date for its pension plan.

The Corporation amended the Defined Benefit Pension Plan during 2010.  New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2014 and 2013 (amounts in thousands):

Change in projected benefit obligation:
 
2014
  
2013
 
Benefit obligation at beginning of year
 
$
36,186
  
$
38,051
 
Service cost
  
1,045
   
1,195
 
Interest cost
  
1,738
   
1,587
 
Actuarial (gain) loss
  
8,064
   
(3,269
)
Benefits paid
  
(1,489
)
  
(1,378
)
Benefit obligation at end of year
 
$
45,544
  
$
36,186
 

Change in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
41,782
  
$
37,239
 
Actual return on plan assets
  
3,043
   
5,921
 
Employer contributions
  
-
   
-
 
Benefits paid
  
(1,489
)
  
(1,378
)
Fair value of plan assets at end of year
 
$
43,336
  
$
41,782
 
         
Funded status
 
$
(2,207
)
 
$
5,596
 

Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

  
2014
  
2013
 
Net actuarial loss
 
$
17,388
  
$
9,843
 
Prior service cost
  
15
   
22
 
Total before tax effects
 
$
17,403
  
$
9,865
 

The accumulated benefit obligation at December 31, 2014 and 2013 was $38.7 million and $31.2 million, respectively.

The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2014, 2013 and 2012 were as follows:

  
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%

Components of net periodic benefit cost and other amounts recognized in other comprehensive income (loss) in 2014, 2013 and 2012 consist of the following (amounts in thousands):

Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost, benefits earned during the year
 
$
1,045
  
$
1,195
  
$
1,074
 
Interest cost on projected benefit obligation
  
1,738
   
1,587
   
1,606
 
Expected return on plan assets
  
(3,174
)
  
(2,824
)
  
(2,743
)
Amortization of net loss
  
649
   
1,579
   
1,410
 
Amortization of  prior service cost
  
7
   
14
   
14
 
Net periodic cost
 
$
265
  
$
1,551
  
$
1,361
 

Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
8,195
  
$
(6,367
)
 
$
3,365
 
Recognized loss
  
(649
)
  
(1,579
)
  
(1,410
)
Amortization of prior service cost
  
(7
)
  
(14
)
  
(14
)
Total recognized in other comprehensive (loss) income (before tax effect)
 
$
7,539
  
$
(7,960
)
 
$
1,941
 
Total recognized in net benefit cost and other comprehensive (loss) income (before tax effect)
 
$
7,804
  
$
(6,409
)
 
$
3,302
 

Amounts expected to be recognized in net periodic cost during 2015
  
Loss recognition
 
$
1,475
 
Prior service cost recognition
 
$
7
 

The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows:
 
  
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Expected long-term rate of return on assets
  
7.75
%
  
7.75
%
  
8.00
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%

The Corporation changes important assumptions whenever changing conditions warrant. At December 31, 2014, the Corporation adopted the Retirement Plan 2014 (RP-2014) and Mortality Projection 2014 (MP-2014) mortality tables, which were finalized by the Society of Actuaries in October 2014 and reflected improved life expectancies and an expectation that this trend will continue. The discount rate is evaluated at least annually and the expected long-term return on plan assets will typically be revised every three to five years, or as conditions warrant.  Other material assumptions include the compensation increase rates, rates of employee terminations, and rates of participant mortality.

The Corporation's overall investment strategy is to achieve a mix of investments for long-term growth and for near-term benefit payments with a wide diversification of asset types.  The target allocations for plan assets are shown in the table below. Equity securities primarily include investments in common or preferred shares of both U.S. and international companies. Debt securities include U.S. Treasury and Government bonds as well as U.S. Corporate bonds.  Other investments may consist of mutual funds, money market funds and cash & cash equivalents.  While no significant changes in the asset allocations are expected during 2014, the Corporation may make changes at any time.

The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
 
Target Allocation 2014
  
Percentage of Plan Assets at December 31,
  
Expected Long-Term Rate of Return
 
    
2014
  
2013
   
Large cap domestic equities
  
30% - 60
%
  
50
%
  
54
%
  
10.3
%
Mid-cap domestic equities
  
0% - 20
%
  
14
%
  
8
%
  
10.6
%
Small-cap domestic equities
  
0% - 15
%
  
3
%
  
3
%
  
10.8
%
International equities
  
0% - 25
%
  
4
%
  
4
%
  
10.3
%
Intermediate fixed income
  
20% - 50
%
  
26
%
  
26
%
  
4.7
%
Alternative assets
  
0% - 10
%
  
2
%
  
3
%
  
7.5
%
Cash
  
0% - 20
%
  
1
%
  
2
%
  
2.5
%
Total
      
100
%
  
100
%
    

The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk.  The focus is on long-term capital appreciation and income generation. The Corporation maintains an Investment Policy Statement ("IPS") that guides the investment allocation in the plan.  The IPS describes the target asset allocation positions as shown in the table above.

The Corporation has appointed an Employee Pension and Profit Sharing Committee to manage the general philosophy, objectives and process of the plan. The Employee Pension and Profit Sharing Committee meets with the Investment Manager periodically to review the plan's performance and to ensure that the current investment allocation is within the guidelines set forth in the IPS.  Only the Employee Pension and Profit Sharing Committee, in consultation with the Investment Manager, can make adjustments to maintain target ranges and for any permanent changes to the IPS.  Quarterly, the Board of Directors' Trust and Employee Benefits Committee reviews the performance of the plan with the Investment Manager.

As of December 31, 2014 and 2013, the Corporation's pension plan did not hold any direct investment in the Corporation's common stock.

The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan:

Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date.  The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

Discounted cash flows are calculated using spread and optionality.  During times when trading is more liquid, broker quotes are used (if available) to validate the model.  Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.

The fair value of the plan assets at December 31, 2014 and 2013, by asset class are as follows (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Plan Assets
 
Carrying Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
626
  
$
626
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
28,011
   
28,011
   
-
   
-
 
International companies
  
856
   
856
   
-
   
-
 
                 
Mutual funds
  
7,111
   
7,111
   
-
   
-
 
                 
Debt securities:
                
U.S. Treasuries/Government bonds
  
2,701
   
2,701
   
-
   
-
 
U.S. Corporate bonds
  
3,775
   
-
   
3,775
   
-
 
Foreign bonds, notes & debentures
  
256
   
-
   
256
   
-
 
Total plan assets
 
$
43,336
  
$
39,305
  
$
4,031
  
$
-
 

  
Fair Value Measurement at December 31, 2013 Using
 
Plan Assets
 
Carrying Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
982
  
$
982
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
27,170
   
27,170
   
-
   
-
 
                 
Mutual funds
  
7,288
   
7,288
   
-
   
-
 
                 
Debt securities:
                
U.S. Treasuries/Government bonds
  
3,309
   
3,309
   
-
   
-
 
U.S. Corporate bonds
  
2,771
   
-
   
2,771
   
-
 
Foreign bonds, notes & debentures
  
262
   
-
   
262
   
-
 
Total plan assets
 
$
41,782
  
$
38,749
  
$
3,033
  
$
-
 

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan (amounts in thousands):

Calendar Year
 
Future Expected Benefit Payments
 
2015
 
$
1,761
 
2016
 
$
1,849
 
2017
 
$
1,949
 
2018
 
$
2,052
 
2019
 
$
2,114
 
2020-2024
 
$
11,949
 

The Corporation does not expect to contribute to the plan during 2015.  Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements.

For tax planning, financial planning, cash flow management or cost reduction purposes the Corporation may increase, accelerate, decrease or delay contributions to the plan to the extent permitted by law.

Defined Contribution Profit Sharing, Savings and Investment Plan

The Corporation also sponsors a defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes discretionary matching and profit sharing contributions to the plan for employees hired prior to July 1, 2010 based on the financial results of the Corporation.  The Corporation also contributes to a non-discretionary 401K plan which covers all eligible employees hired after July 1, 2010.  Expense related to both plans totaled $620 thousand, $521 thousand, and $393 thousand for the years ended December 31, 2014, 2013 and 2012, respectively.  The plan's assets at December 31, 2014, 2013 and 2012 include 170,714, 178,113 and 189,337 shares, respectively, of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.

Defined Benefit Health Care Plan

The Corporation uses a December 31 measurement date for its postretirement medical benefits plan.

The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2014 and 2013 (amounts in thousands):

Changes in accumulated postretirement benefit obligation:
 
2014
  
2013
 
Accumulated postretirement benefit obligation - beginning of year
 
$
1,490
  
$
1,534
 
Service cost
  
39
   
44
 
Interest cost
  
72
   
66
 
Participant contributions
  
84
   
74
 
Actuarial (gain) loss
  
177
   
(61
)
Benefits paid
  
(199
)
  
(167
)
Accumulated postretirement benefit obligation at end of year
 
$
1,663
  
$
1,490
 

Change in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
-
  
$
-
 
Employer contribution
  
115
   
93
 
Plan participants’ contributions
  
84
   
74
 
Benefits paid
  
(199
)
  
(167
)
Fair value of plan assets at end of year
 
$
-
  
$
-
 
         
Funded status
 
$
(1,663
)
 
$
(1,490
)

Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

  
2014
  
2013
 
Net actuarial loss
 
$
322
  
$
148
 
Prior service benefit
  
(531
)
  
(628
)
Total before tax effects
 
$
(209
)
 
$
(480
)

Weighted-average assumption for disclosure as of December 31,
 
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Health care cost trend: Initial
  
7.00
%
  
8.00
%
  
9.00
%
Health care cost trend: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate cost trend reached
  
2018
   
2018
   
2018
 

The components of net periodic postretirement benefit cost for the years ended December 31, 2014, 2013 and 2012 are as follows (amounts in thousands):

Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost
 
$
39
  
$
44
  
$
39
 
Interest cost
  
72
   
66
   
71
 
Amortization of  prior service benefit
  
(97
)
  
(97
)
  
(97
)
Recognized actuarial loss
  
3
   
10
   
1
 
Net periodic postretirement cost
 
$
17
  
$
23
  
$
14
 

Other changes in plan assets and benefit obligations recognized  in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
177
  
$
(61
)
 
$
178
 
Recognized actuarial loss
  
(3
)
  
(10
)
  
(1
)
Amortization of  prior service benefit
  
97
   
97
   
97
 
Total recognized in other comprehensive income (loss) (before tax effect)
 
$
271
  
$
26
  
$
274
 
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect)
 
$
288
  
$
49
  
$
288
 

During 2014 the plan's total unrecognized net loss increased by $174 thousand.  Because the total unrecognized net gain or loss in the plan exceeds 10% of the accumulated postretirement benefit obligation, the excess will be amortized over the average future working lifetime of active plan participants.  As of January 1, 2014 the average future working lifetime of active participants was 14.89 years.  Actual results for 2015 will depend on the 2015 actuarial valuation of the plan.

Amounts expected to be recognized in net periodic cost during 2015:
  
Loss recognition
 
$
10
 
Prior service cost recognition
 
$
(97
)

Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects (amounts in thousands):

Effect of a 1% increase in health care trend rate on:
 
2014
  
2013
  
2012
 
Benefit obligation
 
$
5
  
$
15
  
$
4
 
Total service and interest cost
 
$
-
  
$
-
  
$
-
 

Effect of a 1% decrease in health care trend rate on:
 
2014
  
2013
  
2012
 
Benefit obligation
 
$
(6
)
 
$
(23
)
 
$
(5
)
Total service and interest cost
 
$
-
  
$
(2
)
 
$
(1
)
 
Weighted-average assumptions for net periodic cost as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Health care cost trend: Initial
  
8.00
%
  
9.00
%
  
10.00
%
Health care cost tread: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate reached
  
2018
   
2018
   
2018
 

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten (amounts in thousands):
 
Calendar Year
 
Future Estimated Benefit Payments
 
2015
 
$
201
 
2016
 
$
176
 
2017
 
$
140
 
2018
 
$
150
 
2019
 
$
159
 
2020-2024
 
$
652
 

The Corporation’s policy is to contribute the amount required to fund postretirement benefits as they become due to retirees.  The amount expected to be required in contributions to the plan during 2015 is $201 thousand.

Executive Supplemental Pension Plan

The Corporation also sponsors an Executive Supplemental Pension Plan for certain current and former executive officers to restore certain pension benefits that may be reduced due to limitations under the Internal Revenue Code.  The benefits under this plan are unfunded as of December 31, 2014 and 2013.

The Corporation uses a December 31 measurement date for its Executive Supplemental Pension Plan.

The following table presents Executive Supplemental Pension plan status at December 31, 2014 and 2013 (amounts in thousands):

Change in projected benefit obligation:
 
2014
  
2013
 
Benefit obligation at beginning of year
 
$
1,116
  
$
1,162
 
Service cost
  
38
   
40
 
Interest cost
  
55
   
48
 
Actuarial (gain) loss
  
110
   
(59
)
Benefits paid
  
(75
)
  
(75
)
Projected benefit obligation at end of year
 
$
1,244
  
$
1,116
 

Changes in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
-
  
$
-
 
Employer contributions
  
75
   
75
 
Benefits paid
  
(75
)
  
(75
)
Fair value of plan assets at end of year
 
$
-
  
$
-
 
         
Unfunded status
 
$
(1,244
)
 
$
(1,116
)

Amounts recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):
 
  
2014
  
2013
 
Net actuarial loss
 
$
275
  
$
194
 
Prior service cost
  
-
   
-
 
Total before tax effects
 
$
275
  
$
194
 

Accumulated benefit obligation at December 31, 2014 and 2013 was $1.2 million and $1.0 million, respectively.

Weighted-average assumption for disclosure as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%

The components of net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 are as follows (amounts in thousands):

Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost
 
$
38
  
$
40
  
$
35
 
Interest cost
  
55
   
48
   
51
 
Recognized actuarial loss
  
29
   
34
   
20
 
  Net periodic postretirement benefit cost
 
$
122
  
$
122
  
$
106
 


Other changes in plan assets and benefit obligation recognized in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
110
  
$
(59
)
 
$
81
 
Recognized actuarial loss
  
(29
)
  
(34
)
  
(20
)
Total recognized in other comprehensive income (loss) (before tax effect)
 
$
81
  
$
(93
)
 
$
61
 
             
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect)
 
$
203
  
$
29
  
$
167
 

Amounts expected to be recognized in net periodic cost during 2015:
  
Loss recognition
 
$
50
 
Prior service cost recognition
 
$
-
 
 
Weighted-average assumptions for net periodic cost as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Salary scale
  
5.00
%
  
5.00
%
  
5.00
%

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan (amounts in thousands):

Calendar Year
 
Future Estimated Benefit Payments
 
2015
 
$
75
 
2016
 
$
75
 
2017
 
$
75
 
2018
 
$
116
 
2019
 
$
116
 
2020-2024
 
$
580
 

The Corporation expects to contribute $75 thousand to the plan during 2015. Corporation contributions are equal to the benefit payments to plan participants.

Defined Contribution Supplemental Executive Retirement Plan

The Corporation also sponsors a Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers, which was initiated in 2012.  The plan is unfunded as of December 31, 2014 and is intended to provide nonqualified deferred compensation benefits payable at retirement, disability, death or certain other events.  The balance in the plan as of December 31, 2014 and December 31, 2013 was $550 thousand and $337 thousand, respectively.  A total of $213 thousand and $155 thousand was expensed during the years ended December 31, 2014 and 2013, respectively  In addition to each participants account being credited with the annual company contribution, each account will receive a quarterly interest credit that will equal the average yield on five year U.S. Treasury Notes.
XML 77 R15.htm IDEA: XBRL DOCUMENT v2.4.1.9
DEPOSITS
 12 Months Ended
Dec. 31, 2014
DEPOSITS [Abstract]  
DEPOSITS
(7)            DEPOSITS

A summary of deposits at December 31, 2014 and 2013 is as follows (amounts in thousands):

  
2014
  
2013
 
Non-interest-bearing demand deposits
 
$
366,298
  
$
351,222
 
Interest-bearing demand deposits
  
110,819
   
114,679
 
Insured money market accounts
  
392,871
   
361,095
 
Savings deposits
  
198,183
   
194,768
 
Time deposits
  
211,843
   
244,492
 
  
$
1,280,014
  
$
1,266,256
 

Scheduled maturities of time deposits at December 31, 2014, are summarized as follows (amounts in thousands):

Year
  
2015
 
$
155,295
 
2016
  
34,803
 
2017
  
9,486
 
2018
  
4,775
 
2019
  
5,851
 
2020 and thereafter
  
1,633
 
  
$
211,843
 
 
Time deposits that meet or exceed the FDIC Insurance limit of $250,000 at December 31, 2014 and 2013 were $42.8 million and $37.7 million, respectively.
 
Time deposits include certificates of deposit in denominations of $100 thousand or more aggregating $80.5 million and $88.8 million at December 31, 2014 and 2013, respectively. Interest expense on such certificates was $0.5 million, $0.8 million and $1.2 million for 2014, 2013 and 2012, respectively.

Maturities of time deposits in denominations of $100 thousand or more outstanding at December 31, 2014 are summarized as follows (amounts in thousands):

3 months or less
 
$
31,484
 
Over 3 through 6 months
  
15,286
 
Over 6 through 12 months
  
17,842
 
Over 12 months
  
15,845
 
  
$
80,457
 
XML 78 R60.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES, CREDIT QUALITY INDICATOR (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Financing receivable by credit quality indicator [Abstract]    
Loans $ 1,124,354us-gaap_NotesReceivableNet $ 998,463us-gaap_NotesReceivableNet
Deteriorated Loans Transferred in [Abstract]    
Contractually required principal and interest, beginning of period 11,230us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition  
Contractually required principal and interest, income accretion 0chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesContractuallyRequiredPaymentsReceivableIncomeAccretion  
Contractually required principal and interest, all other adjustments (7,609)chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableOtherAdjustments  
Contractually required principal and interest, end of period 3,621us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition  
Contractual cash flows not expected to be collected (nonaccretable discount), beginning of period (543)us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference  
Contractual cash flows not expected to be collected (nonaccretable discount), income accretion 0chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedIncomeAccretion  
Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments (27)chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedOtherAdjustments  
Contractual cash flows not expected to be collected (nonaccretable discount), end of period (570)us-gaap_CertainLoansAcquiredInTransferNonaccretableDifference  
Cash flows expected to be collected, beginning of period 10,687us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition  
Cash flows expected to be collected, income accretion 0chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsExpectedToBeCollectedIncomeAccretion  
Cash flows expected to be collected, all other adjustments (7,636)chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedOtherAdjustments  
Cash flows expected to be collected, end of period 3,051us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition  
Interest component of expected cash flows (accretable yield), beginning of period (991)us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield  
Interest component of expected cash flows (accretable yield), income accretion 515us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion  
Interest component of expected cash flows (accretable yield), all other adjustments 56chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldOtherAdjustments  
Interest component of expected cash flows (accretable yield, end of period (420)us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield  
Fair value of loans acquired with deteriorating credit quality, beginning of period 9,696us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue  
Fair value of loans acquired with deteriorating credit quality, income accretion 515chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesContractuallyRequiredPaymentsReceivableAtFairValueIncomeAccretion  
Fair value of loans acquired with deteriorating credit quality, all other adjustments (7,580)chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesContractuallyRequiredPaymentsReceivableAtFairValueOtherAdjustments  
Fair value of loans acquired with deteriorating credit quality, end of period 2,631us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue  
Commercial and Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 166,820us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 145,732us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 165,797us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 145,155us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,023us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 577us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 453,719us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 374,096us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 54,967us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 27,510us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 398,752us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 346,586us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 197,287us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 196,525us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 306,528us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 282,110us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,654us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 1,757us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 99,591us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 96,134us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 185,217us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 165,294us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 20,066us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 18,925us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
Not Rated [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 499,137us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 474,099us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 193,422us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 192,995us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,654us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 1,757us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 99,076us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 95,422us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 184,940us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 165,045us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Not Rated [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 20,045us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember		 18,880us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_NotRatedMember
Pass [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 576,136us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 471,235us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 158,140us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 133,615us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,023us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 577us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 51,525us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 23,087us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 365,448us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 313,956us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Pass [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PassMember
Loans Acquired With Deteriorated Credit Quality [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 2,631us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 9,696us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 620us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 678us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 774us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,761us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 7,983us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 250us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 261us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Loans Acquired With Deteriorated Credit Quality [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= chmg_LoansAcquiredWithDeterioratedCreditQualityMember
Special Mention [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 27,858us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 21,511us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 3,695us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 5,117us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 3,292us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 2,783us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 20,871us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 13,611us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Special Mention [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SpecialMentionMember
Substandard [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 18,150us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 20,901us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 3,306us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 4,724us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 150us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 866us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 10,266us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 11,036us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 3,615us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 3,269us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 515us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 712us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 277us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 249us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Substandard [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 21us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember		 45us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_SubstandardMember
Doubtful [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 442us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 1,021us-gaap_NotesReceivableNet
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Commercial and Industrial [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 36us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 1,021us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Agricultural [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Construction [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Commercial Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 406us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Doubtful [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_DoubtfulMember
Performing [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 193,672us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember		 193,167us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember
Performing [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 1,654us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember		 1,757us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember
Performing [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 99,076us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember		 95,499us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember
Performing [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 184,892us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember		 165,045us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember
Performing [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 20,036us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember		 18,880us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_PerformingFinancingReceivableMember
Non-Performing [Member] | Residential Mortgages [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 3,615us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember		 3,358us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember
Non-Performing [Member] | Credit Cards [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember		 0us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember
Non-Performing [Member] | Home Equity Lines and Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 515us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember		 635us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember
Non-Performing [Member] | Indirect Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans 325us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember
Non-Performing [Member] | Direct Consumer Loans [Member]    
Financing receivable by credit quality indicator [Abstract]    
Loans $ 30us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember		 $ 45us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
/ us-gaap_InternalCreditAssessmentAxis
= us-gaap_NonperformingFinancingReceivableMember
XML 79 R13.htm IDEA: XBRL DOCUMENT v2.4.1.9
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2014
PREMISES AND EQUIPMENT [Abstract]  
PREMISES AND EQUIPMENT
(5)PREMISES AND EQUIPMENT

Premises and equipment at December 31, 2014 and 2013 are as follows (amounts in thousands):

  
2014
  
2013
 
Land
 
$
4,803
  
$
4,803
 
Buildings
  
35,067
   
34,379
 
Projects in progress
  
132
   
-
 
Equipment and furniture
  
40,088
   
34,920
 
Leasehold improvements
  
6,094
   
6,041
 
   
86,184
   
80,143
 
Less accumulated depreciation and amortization
  
53,897
   
50,104
 
  
$
32,287
  
$
30,039
 

Depreciation expense was $3.9 million, $3.2 million and $2.9 million for 2014, 2013 and 2012, respectively.

Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $2.0 million, $1.3 million, and $1.1 million for 2014, 2013, and 2012, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows (amounts in thousands):

Year
 
Estimated Expense
 
2015
 
$
1,429
 
2016
  
1,166
 
2017
  
1,143
 
2018
  
1,147
 
2019
  
834
 
2020 and thereafter
  
4,154
 
Total
 
$
9,873
 

Capital Leases: The Corporation leases certain buildings under capital leases.  The lease arrangements require monthly payments through 2030.

The Corporation has included these leases in premises and equipment as follows:

  
2014
  
2013
 
Buildings
 
$
3,537
  
$
-
 
Accumulated depreciation
  
-
   
-
 
  
$
3,537
  
$
-
 

The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2014 (amounts in thousands):

Year
 
Amount
 
2015
 
$
234
 
2016
  
234
 
2017
  
234
 
2018
  
234
 
2019
  
234
 
2020 and thereafter
  
2,644
 
Total minimum lease payments
  
3,814
 
Less amount representing interest
  
838
 
Present value of net minimum lease payments
 
$
2,976
 
XML 80 R14.htm IDEA: XBRL DOCUMENT v2.4.1.9
GOODWILL AND INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2014
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
GOODWILL AND INTANGIBLE ASSETS
(6)            GOODWILL AND INTANGIBLE ASSETS

The changes in goodwill included in the core banking segment during the years ended December 31, 2014 and 2013 were as follows (amounts in thousands):

  
2014
  
2013
 
Beginning of year
 
$
21,824
  
$
21,824
 
Acquired goodwill
  
-
   
-
 
End of year
 
$
21,824
  
$
21,824
 

Acquired intangible assets were as follows at December 31, 2014 and 2013 (amounts in thousands):

 
At December 31, 2014
 
At December 31, 2013
 
 
Balance Acquired
 
Accumulated Amortization
 
Balance Acquired
 
Accumulated Amortization
 
Core deposit intangibles
 
$
5,975
  
$
3,279
  
$
5,975
  
$
2,338
 
Other customer relationship intangibles
  
5,633
   
3,262
   
6,063
   
3,323
 
Total
 
$
11,608
  
$
6,541
  
$
12,038
  
$
5,661
 

Aggregate amortization expense was $1.3 million, $0.9 million and $1.0 million for 2014, 2013 and 2012, respectively.

The remaining estimated aggregate amortization expense at December 31, 2014 is listed below (amounts in thousands):

Year
 
Estimated Expense
 
2015
 
$
1,136
 
2016
  
986
 
2017
  
859
 
2018
  
734
 
2019
  
609
 
2020 and thereafter
  
743
 
Total
 
$
5,067
 
XML 81 R16.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
 12 Months Ended
Dec. 31, 2014
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE [Abstract]  
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
(8)            SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2014, 2013 and 2012 is as follows (amounts in thousands):

  
2014
  
2013
  
2012
 
Balance at December 31
 
$
29,652
  
$
32,701
  
$
32,711
 
Maximum month-end balance
 
$
31,914
  
$
32,701
  
$
38,284
 
Average balance during year
 
$
30,667
  
$
31,102
  
$
34,534
 
Weighted-average interest rate at December 31
  
2.82
%
  
2.93
%
  
3.02
%
Average interest rate paid during year
  
2.77
%
  
2.76
%
  
2.88
%

Information concerning outstanding securities repurchase agreements as of December 31, 2014 is summarized as follows (amounts in thousands):
 
Remaining Term to Final Maturity (1)
 
Repurchase Liability
  
Accrued Interest Payable
  
Weighted Average Rate
  
Estimated Fair Value of Collateral Securities (2)
 
Within 90 days
 
$
9,652
  
$
-
   
0.10
%
 
$
16,682
 
After 90 days but within one year
  
-
   
-
   
-
%
  
-
 
After one year but within five years
  
20,000
   
63
   
4.13
%
  
23,530
 
After five years but within ten years
  
-
   
-
   
-
%
  
-
 
Total
 
$
29,652
  
$
63
   
2.82
%
 
$
40,212
 
 
(1)At December 31, 2014, the securities repurchase agreements were non-callable with a weighted-average rate of 3.10%, and a weighted-average term to maturity of approximately 1.9 years.
(2)Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $342 thousand at December 31, 2014.
XML 82 R64.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Summary of securities sold under agreements to repurchase [Abstract]      
Balance at December 31 $ 29,652us-gaap_SecuritiesSoldUnderAgreementsToRepurchase $ 32,701us-gaap_SecuritiesSoldUnderAgreementsToRepurchase $ 32,711us-gaap_SecuritiesSoldUnderAgreementsToRepurchase
Maximum month-end balance 31,914chmg_SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthEndBalance 32,701chmg_SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthEndBalance 38,284chmg_SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthEndBalance
Average balance during year 30,667chmg_SecuritiesSoldUnderRepurchaseAgreementsAverageBalanceDuringYear 31,102chmg_SecuritiesSoldUnderRepurchaseAgreementsAverageBalanceDuringYear 34,534chmg_SecuritiesSoldUnderRepurchaseAgreementsAverageBalanceDuringYear
Weighted-average interest rate, period end (in hundredths) 2.82%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate [1] 2.93%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate 3.02%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
Average interest rate paid during period (in hundredths) 2.77%chmg_AssetsSoldUnderAgreementsToRepurchaseAverageInterestRatePaidDuringYear 2.76%chmg_AssetsSoldUnderAgreementsToRepurchaseAverageInterestRatePaidDuringYear 2.88%chmg_AssetsSoldUnderAgreementsToRepurchaseAverageInterestRatePaidDuringYear
Repurchase Liability 29,652us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability [1]    
Accrued Interest Payable 63chmg_AssetsSoldUnderAgreementsToRepurchaseAccruedInterestPayable [1]    
Weighted Average Rate (in hundredths) 2.82%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate [1] 2.93%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate 3.02%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
Estimated Fair Value of Collateral Securities 40,212us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure [1],[2]    
Accrued interest receivable included in fair value of repurchase agreements 342chmg_SecuritiesSoldUnderRepurchaseAgreementsAccruedInterestReceivable    
Within 90 Days [Member]      
Summary of securities sold under agreements to repurchase [Abstract]      
Weighted-average interest rate, period end (in hundredths) 0.10%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_MaturityWithin90DaysMember		 [1]    
Repurchase Liability 9,652us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_MaturityWithin90DaysMember		 [1]    
Accrued Interest Payable 0chmg_AssetsSoldUnderAgreementsToRepurchaseAccruedInterestPayable
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_MaturityWithin90DaysMember		 [1]    
Weighted Average Rate (in hundredths) 0.10%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_MaturityWithin90DaysMember		 [1]    
Estimated Fair Value of Collateral Securities 16,682us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_MaturityWithin90DaysMember		 [1],[2]    
After 90 Days But Within One Year [Member]      
Summary of securities sold under agreements to repurchase [Abstract]      
Weighted-average interest rate, period end (in hundredths) 0.00%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= us-gaap_MaturityOver90DaysMember		 [1]    
Repurchase Liability 0us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= us-gaap_MaturityOver90DaysMember		 [1]    
Accrued Interest Payable 0chmg_AssetsSoldUnderAgreementsToRepurchaseAccruedInterestPayable
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= us-gaap_MaturityOver90DaysMember		 [1]    
Weighted Average Rate (in hundredths) 0.00%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= us-gaap_MaturityOver90DaysMember		 [1]    
Estimated Fair Value of Collateral Securities 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= us-gaap_MaturityOver90DaysMember		 [1],[2]    
After One Year But Within Five Years [Member]      
Summary of securities sold under agreements to repurchase [Abstract]      
Weighted-average interest rate, period end (in hundredths) 4.13%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterOneYearButWithinFiveYearsMember		 [1]    
Repurchase Liability 20,000us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterOneYearButWithinFiveYearsMember		 [1]    
Accrued Interest Payable 63chmg_AssetsSoldUnderAgreementsToRepurchaseAccruedInterestPayable
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterOneYearButWithinFiveYearsMember		 [1]    
Weighted Average Rate (in hundredths) 4.13%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterOneYearButWithinFiveYearsMember		 [1]    
Estimated Fair Value of Collateral Securities 23,530us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterOneYearButWithinFiveYearsMember		 [1],[2]    
After Five Years But Within Ten Years [Member]      
Summary of securities sold under agreements to repurchase [Abstract]      
Weighted-average interest rate, period end (in hundredths) 0.00%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterFiveYearsButWithinTenYearsMember		 [1]    
Repurchase Liability 0us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterFiveYearsButWithinTenYearsMember		 [1]    
Accrued Interest Payable 0chmg_AssetsSoldUnderAgreementsToRepurchaseAccruedInterestPayable
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterFiveYearsButWithinTenYearsMember		 [1]    
Weighted Average Rate (in hundredths) 0.00%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterFiveYearsButWithinTenYearsMember		 [1]    
Estimated Fair Value of Collateral Securities $ 0us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis
= chmg_AfterFiveYearsButWithinTenYearsMember		 [1],[2]    
Without Call Provisions [Member]      
Summary of securities sold under agreements to repurchase [Abstract]      
Weighted-average interest rate, period end (in hundredths) 3.10%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseAxis
= chmg_WithoutCallProvisionsMember		    
Weighted Average Rate (in hundredths) 3.10%us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate
/ us-gaap_AssetsSoldUnderAgreementsToRepurchaseAxis
= chmg_WithoutCallProvisionsMember		    
Weight average remaining term to maturity 1 year 10 months 24 days    
[1] At December 31, 2014, the securities repurchase agreements were non-callable with a weighted-average rate of 3.10%, and a weighted-average term to maturity of approximately 1.9 years.
[2] Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $342 thousand at December 31, 2014.
XML 83 R66.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Current [Abstract]      
State $ 606,000us-gaap_CurrentStateAndLocalTaxExpenseBenefit $ 395,000us-gaap_CurrentStateAndLocalTaxExpenseBenefit $ 530,000us-gaap_CurrentStateAndLocalTaxExpenseBenefit
Federal 5,366,000us-gaap_CurrentFederalTaxExpenseBenefit 3,548,000us-gaap_CurrentFederalTaxExpenseBenefit 4,208,000us-gaap_CurrentFederalTaxExpenseBenefit
Current income tax expense (benefit), Total 5,972,000us-gaap_CurrentIncomeTaxExpenseBenefit 3,943,000us-gaap_CurrentIncomeTaxExpenseBenefit 4,738,000us-gaap_CurrentIncomeTaxExpenseBenefit
Deferred expense/(benefit) (2,263,000)us-gaap_DeferredIncomeTaxExpenseBenefit (121,000)us-gaap_DeferredIncomeTaxExpenseBenefit 647,000us-gaap_DeferredIncomeTaxExpenseBenefit
Income tax expense 3,709,000us-gaap_IncomeTaxExpenseBenefit 3,822,000us-gaap_IncomeTaxExpenseBenefit 5,385,000us-gaap_IncomeTaxExpenseBenefit
Reconciliation of income tax expense [Abstract]      
Tax computed at statutory rate 4,034,000us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate 4,268,000us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate 5,578,000us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
Tax-exempt interest (456,000)us-gaap_IncomeTaxReconciliationTaxExemptIncome (483,000)us-gaap_IncomeTaxReconciliationTaxExemptIncome (506,000)us-gaap_IncomeTaxReconciliationTaxExemptIncome
Dividend exclusion (60,000)us-gaap_IncomeTaxReconciliationDeductionsDividends (46,000)us-gaap_IncomeTaxReconciliationDeductionsDividends (40,000)us-gaap_IncomeTaxReconciliationDeductionsDividends
State taxes, net of Federal impact 227,000us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes 188,000us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes 439,000us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes
Nondeductible interest expense 8,000us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther 11,000us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther 16,000us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther
Other items, net (44,000)us-gaap_IncomeTaxReconciliationOtherAdjustments (116,000)us-gaap_IncomeTaxReconciliationOtherAdjustments (102,000)us-gaap_IncomeTaxReconciliationOtherAdjustments
Income tax expense 3,709,000us-gaap_IncomeTaxExpenseBenefit 3,822,000us-gaap_IncomeTaxExpenseBenefit 5,385,000us-gaap_IncomeTaxExpenseBenefit
Deferred tax assets [Abstract]      
Allowance for loan losses 5,182,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses 4,889,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses  
Accrual for employee benefit plans 709,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits 754,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits  
Depreciation 1,010,000us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment 431,000us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment  
Deferred compensation and directors' fees 1,076,000chmg_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsDirectorsCompensation 947,000chmg_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsDirectorsCompensation  
Purchase accounting adjustment - deposits 65,000chmg_DeferredTaxAssetPurchaseAccountingAdjustmentDeposits 137,000chmg_DeferredTaxAssetPurchaseAccountingAdjustmentDeposits  
Purchase accounting adjustment - loans 259,000chmg_DeferredTaxAssetsPurchaseAccountingAdjustmentLoans 340,000chmg_DeferredTaxAssetsPurchaseAccountingAdjustmentLoans  
Purchase accounting adjustment - fixed assets 221,000chmg_DeferredTaxAssetsPurchaseAccountingAdjustmentFixedAssets 224,000chmg_DeferredTaxAssetsPurchaseAccountingAdjustmentFixedAssets  
Accounting for defined benefit pension and other benefit plans 6,624,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsOther 3,691,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsOther  
Trust preferred impairment write-down 540,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses 742,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses  
Nonaccrued interest 617,000chmg_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsNonaccruedInterest 626,000chmg_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsNonaccruedInterest  
Accrued expense 1,580,000us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities 0us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities  
Other 456,000us-gaap_DeferredTaxAssetsOther 647,000us-gaap_DeferredTaxAssetsOther  
Total gross deferred tax assets 18,339,000us-gaap_DeferredTaxAssetsGross 13,428,000us-gaap_DeferredTaxAssetsGross  
Deferred tax liabilities [Abstract]      
Deferred loan fees and costs 910,000us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts 929,000us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts  
Prepaid pension 5,179,000us-gaap_DeferredTaxLiabilitiesPrepaidExpenses 5,435,000us-gaap_DeferredTaxLiabilitiesPrepaidExpenses  
Net unrealized gains on securities available for sale 1,359,000chmg_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale 3,929,000chmg_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale  
Discount accretion 410,000chmg_DeferredTaxLiabilitiesDeferredExpenseDiscountAccretion 352,000chmg_DeferredTaxLiabilitiesDeferredExpenseDiscountAccretion  
Core deposit intangible 1,479,000us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets 1,556,000us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets  
Other 153,000us-gaap_DeferredTaxLiabilitiesOther 144,000us-gaap_DeferredTaxLiabilitiesOther  
Total gross deferred tax liabilities 9,490,000us-gaap_DeferredIncomeTaxLiabilities 12,345,000us-gaap_DeferredIncomeTaxLiabilities  
Net deferred tax asset 8,849,000us-gaap_DeferredTaxAssetsLiabilitiesNet 1,083,000us-gaap_DeferredTaxAssetsLiabilitiesNet  
Unrecognized tax benefits 0us-gaap_UnrecognizedTaxBenefits 0us-gaap_UnrecognizedTaxBenefits 0us-gaap_UnrecognizedTaxBenefits
Accrued interest or penalties related to uncertain tax positions $ 0us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued $ 0us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued $ 0us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued
XML 84 R63.htm IDEA: XBRL DOCUMENT v2.4.1.9
DEPOSITS (Details) (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Summary of deposits [Abstract]      
Non-interest-bearing demand deposits $ 366,298,000us-gaap_NoninterestBearingDepositLiabilities $ 351,222,000us-gaap_NoninterestBearingDepositLiabilities  
Interest-bearing demand deposits 110,819,000us-gaap_DepositsNegotiableOrderOfWithdrawalNOW 114,679,000us-gaap_DepositsNegotiableOrderOfWithdrawalNOW  
Insured money market accounts 392,871,000us-gaap_DepositsMoneyMarketDeposits 361,095,000us-gaap_DepositsMoneyMarketDeposits  
Savings deposits 198,183,000us-gaap_DepositsSavingsDeposits 194,768,000us-gaap_DepositsSavingsDeposits  
Time deposits 211,843,000us-gaap_TimeDeposits 244,492,000us-gaap_TimeDeposits  
Total deposits 1,280,014,000us-gaap_Deposits 1,266,256,000us-gaap_Deposits  
Scheduled maturities of time deposits [Abstract]      
2015 155,295,000us-gaap_TimeDepositMaturitiesYearOne    
2016 34,803,000us-gaap_TimeDepositMaturitiesYearTwo    
2017 9,486,000us-gaap_TimeDepositMaturitiesYearThree    
2018 4,775,000us-gaap_TimeDepositMaturitiesYearFour    
2019 5,851,000us-gaap_TimeDepositMaturitiesYearFive    
2020 and thereafter 1,633,000us-gaap_TimeDepositMaturitiesAfterYearFive    
Time deposits 211,843,000us-gaap_TimeDeposits 244,492,000us-gaap_TimeDeposits  
FDIC Insurance limit 250,000chmg_FDICInsuranceLimit 250,000chmg_FDICInsuranceLimit 250,000chmg_FDICInsuranceLimit
Time deposits meeting or exceeding FDIC Insurance limit 42,800,000chmg_TimeDepositsMeetingOrExceedingFDICInsuranceLimit 37,700,000chmg_TimeDepositsMeetingOrExceedingFDICInsuranceLimit  
Interest expense on time deposits 500,000us-gaap_InterestExpenseTimeDeposits 800,000us-gaap_InterestExpenseTimeDeposits 1,200,000us-gaap_InterestExpenseTimeDeposits
Maturities of time deposits in denominations of $100,000 or more [Abstract]      
3 months or less 31,484,000us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess    
Over 3 through 6 months 15,286,000us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths    
Over 6 through 12 months 17,842,000us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months    
Over 12 months 15,845,000us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months    
Time deposits, $100,000 or more $ 80,457,000us-gaap_TimeDeposits100000OrMore $ 88,800,000us-gaap_TimeDeposits100000OrMore  
XML 85 R34.htm IDEA: XBRL DOCUMENT v2.4.1.9
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2014
DEPOSITS [Abstract]  
Summary of Deposits
A summary of deposits at December 31, 2014 and 2013 is as follows (amounts in thousands):

  
2014
  
2013
 
Non-interest-bearing demand deposits
 
$
366,298
  
$
351,222
 
Interest-bearing demand deposits
  
110,819
   
114,679
 
Insured money market accounts
  
392,871
   
361,095
 
Savings deposits
  
198,183
   
194,768
 
Time deposits
  
211,843
   
244,492
 
  
$
1,280,014
  
$
1,266,256
 
Scheduled Maturities of Time Deposits
Scheduled maturities of time deposits at December 31, 2014, are summarized as follows (amounts in thousands):

Year
  
2015
 
$
155,295
 
2016
  
34,803
 
2017
  
9,486
 
2018
  
4,775
 
2019
  
5,851
 
2020 and thereafter
  
1,633
 
  
$
211,843
 
Maturities of Time Deposits in Denominations
Maturities of time deposits in denominations of $100 thousand or more outstanding at December 31, 2014 are summarized as follows (amounts in thousands):

3 months or less
 
$
31,484
 
Over 3 through 6 months
  
15,286
 
Over 6 through 12 months
  
17,842
 
Over 12 months
  
15,845
 
  
$
80,457
 
XML 86 R51.htm IDEA: XBRL DOCUMENT v2.4.1.9
SECURITIES, SECURITIES HELD TO MATURITY (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Amortized cost and estimated fair value of securities held to maturity [Abstract]    
Amortized Cost $ 5,831us-gaap_HeldToMaturitySecurities $ 6,495us-gaap_HeldToMaturitySecurities
Estimated Fair Value 6,197us-gaap_HeldToMaturitySecuritiesFairValue 6,930us-gaap_HeldToMaturitySecuritiesFairValue
Unrealized Gains 366us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain 435us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
Unrealized Losses 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
Amortized Cost [Abstract]    
Within One Year 2,629us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount  
After One, But Within Five Years 2,199us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount  
After Five, But Within Ten Years 1,003us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount  
After Ten Years 0us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount  
Amortized Cost 5,831us-gaap_HeldToMaturitySecurities 6,495us-gaap_HeldToMaturitySecurities
Fair Value [Abstract]    
Within One Year 2,658us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue  
After One, But Within Five Years 2,390us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue  
After Five, But Within Ten Years 1,149us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue  
After Ten Years 0us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue  
Fair Value 6,197us-gaap_HeldToMaturitySecuritiesFairValue 6,930us-gaap_HeldToMaturitySecuritiesFairValue
Obligations of States and Political Subdivisions [Member]    
Amortized cost and estimated fair value of securities held to maturity [Abstract]    
Amortized Cost 5,175us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,472us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Estimated Fair Value 5,535us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,891us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Unrealized Gains 360us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 419us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Unrealized Losses 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Amortized Cost [Abstract]    
Amortized Cost 5,175us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,472us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Fair Value [Abstract]    
Fair Value 5,535us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 5,891us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Time Deposits with Other Financial Institutions [Member]    
Amortized cost and estimated fair value of securities held to maturity [Abstract]    
Amortized Cost 656us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 1,023us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
Estimated Fair Value 662us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 1,039us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
Unrealized Gains 6us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 16us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
Unrealized Losses 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 0us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
Amortized Cost [Abstract]    
Amortized Cost 656us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 1,023us-gaap_HeldToMaturitySecurities
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
Fair Value [Abstract]    
Fair Value $ 662us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember		 $ 1,039us-gaap_HeldToMaturitySecuritiesFairValue
/ us-gaap_DebtSecurityAxis
= chmg_TimeDepositsWithOtherFinancialInstitutionsMember
XML 87 R21.htm IDEA: XBRL DOCUMENT v2.4.1.9
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]  
RELATED PARTY TRANSACTIONS
(13)            RELATED PARTY TRANSACTIONS

Members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners (more than 10% interest), were customers of, and had loans and other transactions with the Corporation.  These loans are summarized as follows for the years ended December 31, 2014 and 2013 (amounts in thousands):

  
2014
  
2013
 
Balance at beginning of year
 
$
26,408
  
$
25,390
 
New loans or additional advances
  
33,282
   
30,056
 
Repayments
  
(21,888
)
  
(29,038
)
Balance at end of year
 
$
37,802
  
$
26,408
 

Deposits from principal officers, directors, and their affiliates at year-end 2014 and 2013 were $12.0 million and $9.8 million, respectively.
XML 88 R26.htm IDEA: XBRL DOCUMENT v2.4.1.9
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS
 12 Months Ended
Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS
(18)            ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS

Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.

The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (amounts in thousands):

  
Unrealized Gains and Losses on Securities Available for Sale
  
Defined Benefit and Other Benefit Plans
  
Total
 
Balance at December 31, 2013
 
$
6,043
  
$
(5,888
)
 
$
155
 
Other comprehensive income (loss) before reclassification
  
146
   
(5,221
)
  
(5,075
)
Amounts reclassified from accumulated other comprehensive income (loss)
  
(4,229
)
  
364
   
(3,865
)
Net current period other comprehensive loss
  
(4,083
)
  
(4,857
)
  
(8,940
)
Balance at December 31, 2014
 
$
1,960
  
$
(10,745
)
 
$
(8,785
)

  
Unrealized Gains and Losses on Securities Available for Sale
  
Defined Benefit and Other Benefit Plans
  
Total
 
Balance at December 31, 2012
 
$
8,023
  
$
(10,830
)
 
$
(2,807
)
Other comprehensive income (loss) before reclassification
  
(1,988
)
  
3,994
   
2,006
 
Amounts reclassified from accumulated other comprehensive income (loss)
  
8
   
948
   
956
 
Net current period other comprehensive loss
  
(1,980
)
  
4,942
   
2,962
 
Balance at December 31, 2013
 
$
6,043
  
$
(5,888
)
 
$
155
 

The following is the reclassification out of accumulated other comprehensive income (loss) for the periods indicated (amounts in thousands):
 
Details about Accumulated Other Comprehensive Income (Loss) Components
Year Ended December 31,
 
Affected Line Item
 in the Statement Where
Net Income is Presented
   
2014
  
2013
  
Unrealized gains and losses on securities available for sale:
           
Reclassification adjustment for other-than-temporary losses realized in income
  
$
-
  
$
29
 
Total impairment losses
Realized gains on securities available for sale
   
(6,869
)
  
(16
)
Net gains on securities transactions
Tax effect
   
2,640
   
(5
)
Income tax benefit (expense)
Net of tax
   
(4,229
)
  
8
  
                 
Amortization of defined pension plan and other benefit plan items:
               
Prior service costs (a)
   
(90
)
  
(83
)
Pension and other employee benefits
Actuarial losses (a)
   
681
   
1,624
 
Pension and other employee benefits
Tax effect
   
(227
)
  
(593
)
Income tax benefit
Net of tax
   
364
   
948
  
Total reclassification for the period, net of tax
$
 
$
(3,865
)
 
$
956
  

(a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 89 R49.htm IDEA: XBRL DOCUMENT v2.4.1.9
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS (Details) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]  
Reserve requirement $ 1.4us-gaap_RestrictedCashAndCashEquivalents
XML 90 R41.htm IDEA: XBRL DOCUMENT v2.4.1.9
COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]  
Contractual Amounts of Financial Instruments with Off-Balance Sheet Risk
The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (amounts in thousands):
 
 
2014
 
2013
 
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
 
Commitments to make loans
 
$
23,756
  
$
11,082
  
$
21,049
  
$
7,893
 
Unused lines of credit
 
$
812
  
$
185,235
  
$
2,190
  
$
187,061
 
Standby letters of credit
 
$
-
  
$
16,747
  
$
-
  
$
17,290
 
XML 91 R5.htm IDEA: XBRL DOCUMENT v2.4.1.9
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]      
Net income $ 8,157us-gaap_NetIncomeLoss $ 8,731us-gaap_NetIncomeLoss $ 11,022us-gaap_NetIncomeLoss
Other comprehensive income (loss):      
Unrealized holding (losses) gains on securities available for sale 236us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax (3,229)us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax 411us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
Reclassification adjustment for other-than-temporary losses realized in net income 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAvailableforsaleSecurities 29us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAvailableforsaleSecurities 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAvailableforsaleSecurities
Reclassification adjustment gains realized in net income (6,869)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax (16)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax (301)us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
Net unrealized (losses) gains (6,633)us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax (3,216)us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax 110us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax
Tax effect 2,550us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent 1,236us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent (75)us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
Net of tax amount (4,083)us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent (1,980)us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent 35us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
Change in funded status of defined benefit pension plan and other benefit plans:      
Net gain (loss) arising during the period (8,481)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax 6,487us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax (3,624)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax
Reclassification adjustment for amortization of prior service costs (90)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax (83)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax (83)us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax
Reclassification adjustment for amortization of net actuarial loss 681us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax 1,624us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax 1,431us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax
Total before tax effect (7,890)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax 8,028us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax (2,276)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
Tax effect 3,033us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax (3,086)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax 875us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
Net of tax amount (4,857)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax 4,942us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax (1,401)us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
Total other comprehensive income (loss) (8,940)us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent 2,962us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent (1,366)us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
Comprehensive income (loss) $ (783)us-gaap_ComprehensiveIncomeNetOfTax $ 11,693us-gaap_ComprehensiveIncomeNetOfTax $ 9,656us-gaap_ComprehensiveIncomeNetOfTax
XML 92 R10.htm IDEA: XBRL DOCUMENT v2.4.1.9
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS
 12 Months Ended
Dec. 31, 2014
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]  
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS
(2)            RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS

The Corporation was in compliance with the reserve requirement with the Federal Reserve Bank of New York as of December 31, 2014.

The Corporation also maintains a pre-funded settlement account with a financial institution in the amount of $1.4 million for electronic funds transaction settlement purposes at December 31, 2014.
XML 93 R58.htm IDEA: XBRL DOCUMENT v2.4.1.9
LOANS AND ALLOWANCE FOR LOAN LOSSES, RECEIVABLES PAST DUE (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Aging of the recorded investment in loans past due [Abstract]    
Current $ 1,103,760us-gaap_FinancingReceivableRecordedInvestmentCurrent $ 970,708us-gaap_FinancingReceivableRecordedInvestmentCurrent
30-89 Days Past Due 8,731chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue 8,069chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
90 Days or more Past Due and accruing 1,454us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing 1,473us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
Loans acquired with deteriorated credit quality 2,631us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality 9,696us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
Non-Accrual 7,778us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus [1] 8,517us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus [2]
Total 1,124,354us-gaap_NotesReceivableNet 998,463us-gaap_NotesReceivableNet
Commercial and Agricultural [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 620us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 678us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Total 166,820us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember		 145,732us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndAgriculturalPortfolioSegmentMember
Commercial and Industrial [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 164,109us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 143,100us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
30-89 Days Past Due 756chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 29chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Loans acquired with deteriorated credit quality 620us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 678us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Non-Accrual 312us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [1] 1,348us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 [2]
Total 165,797us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember		 145,155us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_CommercialAndIndustrialMember
Agricultural [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 1,023us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 577us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
30-89 Days Past Due 0chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 0chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Non-Accrual 0us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 [1] 0us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 [2]
Total 1,023us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember		 577us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_AgriculturalMember
Commercial Mortgages [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 1,761us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 8,757us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Total 453,719us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 374,096us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Construction [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 53,371us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 24,742us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
30-89 Days Past Due 0chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 0chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
90 Days or more Past Due and accruing 1,446us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 1,454us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 774us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Non-Accrual 150us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [1] 540us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 [2]
Total 54,967us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember		 27,510us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateConstructionFinancingReceivableMember
Commercial Mortgages [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 391,096us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 335,123us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
30-89 Days Past Due 3,064chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 1,138chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Loans acquired with deteriorated credit quality 1,761us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 7,983us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Non-Accrual 2,831us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [1] 2,342us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 [2]
Total 398,752us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember		 346,586us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstateOtherReceivableMember
Residential Mortgages [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 191,089us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 187,448us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
30-89 Days Past Due 2,333chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 5,458chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Loans acquired with deteriorated credit quality 250us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 261us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Non-Accrual 3,615us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [1] 3,358us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 [2]
Total 197,287us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember		 196,525us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Consumer Loans [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Total 306,528us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember		 282,110us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Credit Cards [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 1,641us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 1,729us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
30-89 Days Past Due 5chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 9chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
90 Days or more Past Due and accruing 8us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 19us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Non-Accrual 0us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 [1] 0us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 [2]
Total 1,654us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember		 1,757us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerCreditCardFinancingReceivableMember
Home Equity Lines and Loans [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 98,340us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 95,349us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
30-89 Days Past Due 736chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 150chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Non-Accrual 515us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [1] 635us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 [2]
Total 99,591us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember		 96,134us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_HomeEquityLinesAndLoansMember
Indirect Consumer Loans [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 183,103us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 163,810us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
30-89 Days Past Due 1,789chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 1,235chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Non-Accrual 325us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 [1] 249us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 [2]
Total 185,217us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember		 165,294us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= chmg_IndirectConsumerLoansMember
Direct Consumer Loans [Member]    
Aging of the recorded investment in loans past due [Abstract]    
Current 19,988us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 18,830us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
30-89 Days Past Due 48chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 50chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
90 Days or more Past Due and accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
Loans acquired with deteriorated credit quality 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 0us-gaap_FinancingReceivableAcquiredWithDeterioratedCreditQuality
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
Non-Accrual 30us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 [1] 45us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 [2]
Total $ 20,066us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember		 $ 18,925us-gaap_NotesReceivableNet
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerOtherFinancingReceivableMember
[1] Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.
[2] Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.
XML 94 R69.htm IDEA: XBRL DOCUMENT v2.4.1.9
STOCK COMPENSATION (Details) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Restricted Stock [Member]      
Shares [Roll Forward]      
Nonvested, beginning of period (in shares) 20,639us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Granted (in shares) 11,279us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Vested (in shares) (5,490)us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Forfeited or cancelled (in shares) 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Nonvested, end of period (in shares) 26,428us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		 20,639us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		  
Weighted-Average Grant Date Fair Value [Roll Forward]      
Nonvested, beginning of period (in dollars per share) $ 27.17us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Granted (in dollars per share) $ 28.40us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Vested (in dollars per share) $ 26.09us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Forfeitures or cancelled (in dollars per share) $ 0us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Nonvested, end of period (in dollars per share) $ 27.92us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		 $ 27.17us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		  
Total unrecognized compensation cost related to nonvested shares granted under the Plan $ 718us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		    
Weighted-average period for recognition 3 years 11 months 12 days    
Total fair value of shares vested 152us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		 181us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue
/ us-gaap_AwardTypeAxis
= us-gaap_RestrictedStockMember		  
President and Chief Executive Officer [Member]      
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]      
Service period 12 months    
Directors and President and Chief Executive Officer [Member]      
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]      
Number of treasury shares reissued to fund stock compensation (in shares) 9,673us-gaap_DeferredCompensationArrangementWithIndividualSharesIssued
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember		 8,385us-gaap_DeferredCompensationArrangementWithIndividualSharesIssued
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember		 7,969us-gaap_DeferredCompensationArrangementWithIndividualSharesIssued
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember
Expense related to stock compensation recognized $ 271us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember		 $ 273us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember		 $ 217us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense
/ us-gaap_TitleOfIndividualAxis
= chmg_DirectorsAndPresidentAndChiefExecutiveOfficerMember
XML 95 R27.htm IDEA: XBRL DOCUMENT v2.4.1.9
SEGMENT REPORTING
 12 Months Ended
Dec. 31, 2014
SEGMENT REPORTING [Abstract]  
SEGMENT REPORTING
(19)            SEGMENT REPORTING

The Corporation manages its operations through two primary business segments:  core banking and wealth management services.  The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities.  The wealth management services segment provides revenues by providing trust and investment advisory services to clients.

Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments (amounts in thousands):

Year ended December 31, 2014
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
49,556
  
$
-
  
$
12
  
$
49,568
 
Provision for loan losses
  
3,981
   
-
   
-
   
3,981
 
Net interest income after provision for loan losses
  
45,575
   
-
   
12
   
45,587
 
Other operating income
  
18,186
   
7,746
   
824
   
26,756
 
Legal settlements
  
-
   
4,250
   
-
   
4,250
 
Other operating expenses
  
49,997
   
5,355
   
875
   
56,227
 
Income (loss) before income tax expense
  
13,764
   
(1,859
)
  
(39
)
  
11,866
 
Income tax expense (benefit)
  
4,507
   
(715
)
  
(83
)
  
3,709
 
Segment net income (loss)
 
$
9,257
  
$
(1,144
)
 
$
44
  
$
8,157
 
 
                
Segment assets
 
$
1,518,584
  
$
4,357
  
$
1,598
  
$
1,524,539
 

Year ended December 31, 2013
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
46,621
  
$
-
  
$
10
  
$
46,631
 
Provision for loan losses
  
2,755
   
-
   
-
   
2,755
 
Net interest income after provision for loan losses
  
43,866
   
-
   
10
   
43,876
 
Other operating income
  
9,913
   
7,344
   
820
   
18,077
 
Other operating expenses
  
43,136
   
5,480
   
784
   
49,400
 
Income before income tax expense
  
10,643
   
1,864
   
46
   
12,553
 
Income tax expense (benefit)
  
3,139
   
717
   
(34
)
  
3,822
 
Segment net income
 
$
7,504
  
$
1,147
  
$
80
  
$
8,731
 
 
                
Segment assets
 
$
1,469,482
  
$
4,943
  
$
1,718
  
$
1,476,143
 

Year ended December 31, 2012
 
Core Banking
  
Wealth Management Group
  
Holding Company and Other
  
Consolidated Totals
 
Net interest income
 
$
46,834
  
$
-
  
$
8
  
$
46,842
 
Provision for loan losses
  
828
   
-
   
-
   
828
 
Net interest income after provision for loan losses
  
46,006
   
-
   
8
   
46,014
 
Other operating income
  
9,597
   
6,827
   
764
   
17,188
 
Other operating expenses
  
40,550
   
5,389
   
856
   
46,795
 
Income (loss) before income tax expense
  
15,053
   
1,438
   
(84
)
  
16,407
 
Income tax expense (benefit)
  
4,954
   
553
   
(122
)
  
5,385
 
Segment net income
 
$
10,099
  
$
885
  
$
38
  
$
11,022
 
                 
Segment assets
 
$
1,240,752
  
$
5,156
  
$
2,252
  
$
1,248,160
 
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In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
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PENSION PLAN AND OTHER BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2014
Pension Plan [Member]  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in Benefit Obligation

Change in projected benefit obligation:
 
2014
  
2013
 
Benefit obligation at beginning of year
 
$
36,186
  
$
38,051
 
Service cost
  
1,045
   
1,195
 
Interest cost
  
1,738
   
1,587
 
Actuarial (gain) loss
  
8,064
   
(3,269
)
Benefits paid
  
(1,489
)
  
(1,378
)
Benefit obligation at end of year
 
$
45,544
  
$
36,186
 
Change in Plan Assets

Change in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
41,782
  
$
37,239
 
Actual return on plan assets
  
3,043
   
5,921
 
Employer contributions
  
-
   
-
 
Benefits paid
  
(1,489
)
  
(1,378
)
Fair value of plan assets at end of year
 
$
43,336
  
$
41,782
 
         
Funded status
 
$
(2,207
)
 
$
5,596
 
Amount Recognized in Accumulated Other Comprehensive Income
Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

  
2014
  
2013
 
Net actuarial loss
 
$
17,388
  
$
9,843
 
Prior service cost
  
15
   
22
 
Total before tax effects
 
$
17,403
  
$
9,865
 
Assumptions Used in Determining Benefit Obligation
The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2014, 2013 and 2012 were as follows:

  
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Components of Net Periodic Benefit Cost
Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost, benefits earned during the year
 
$
1,045
  
$
1,195
  
$
1,074
 
Interest cost on projected benefit obligation
  
1,738
   
1,587
   
1,606
 
Expected return on plan assets
  
(3,174
)
  
(2,824
)
  
(2,743
)
Amortization of net loss
  
649
   
1,579
   
1,410
 
Amortization of  prior service cost
  
7
   
14
   
14
 
Net periodic cost
 
$
265
  
$
1,551
  
$
1,361
 
Schedule of Other Amounts Recognized in Other Comprehensive Income
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
8,195
  
$
(6,367
)
 
$
3,365
 
Recognized loss
  
(649
)
  
(1,579
)
  
(1,410
)
Amortization of prior service cost
  
(7
)
  
(14
)
  
(14
)
Total recognized in other comprehensive (loss) income (before tax effect)
 
$
7,539
  
$
(7,960
)
 
$
1,941
 
Total recognized in net benefit cost and other comprehensive (loss) income (before tax effect)
 
$
7,804
  
$
(6,409
)
 
$
3,302
 
Amounts Expected to be Recognized in Net Periodic Cost
Amounts expected to be recognized in net periodic cost during 2015
  
Loss recognition
 
$
1,475
 
Prior service cost recognition
 
$
7
 
Assumptions Used in Determining Net Periodic Benefit Cost
The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows:
 
  
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Expected long-term rate of return on assets
  
7.75
%
  
7.75
%
  
8.00
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Target Assets Allocations
The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
 
Target Allocation 2014
  
Percentage of Plan Assets at December 31,
  
Expected Long-Term Rate of Return
 
    
2014
  
2013
   
Large cap domestic equities
  
30% - 60
%
  
50
%
  
54
%
  
10.3
%
Mid-cap domestic equities
  
0% - 20
%
  
14
%
  
8
%
  
10.6
%
Small-cap domestic equities
  
0% - 15
%
  
3
%
  
3
%
  
10.8
%
International equities
  
0% - 25
%
  
4
%
  
4
%
  
10.3
%
Intermediate fixed income
  
20% - 50
%
  
26
%
  
26
%
  
4.7
%
Alternative assets
  
0% - 10
%
  
2
%
  
3
%
  
7.5
%
Cash
  
0% - 20
%
  
1
%
  
2
%
  
2.5
%
Total
      
100
%
  
100
%
    
Fair Value of Plan Assets
The fair value of the plan assets at December 31, 2014 and 2013, by asset class are as follows (amounts in thousands):

  
Fair Value Measurement at December 31, 2014 Using
 
Plan Assets
 
Carrying Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
626
  
$
626
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
28,011
   
28,011
   
-
   
-
 
International companies
  
856
   
856
   
-
   
-
 
                 
Mutual funds
  
7,111
   
7,111
   
-
   
-
 
                 
Debt securities:
                
U.S. Treasuries/Government bonds
  
2,701
   
2,701
   
-
   
-
 
U.S. Corporate bonds
  
3,775
   
-
   
3,775
   
-
 
Foreign bonds, notes & debentures
  
256
   
-
   
256
   
-
 
Total plan assets
 
$
43,336
  
$
39,305
  
$
4,031
  
$
-
 

  
Fair Value Measurement at December 31, 2013 Using
 
Plan Assets
 
Carrying Value
  
Quoted Prices in Active Markets for Identical Assets
(Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
982
  
$
982
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
27,170
   
27,170
   
-
   
-
 
                 
Mutual funds
  
7,288
   
7,288
   
-
   
-
 
                 
Debt securities:
                
U.S. Treasuries/Government bonds
  
3,309
   
3,309
   
-
   
-
 
U.S. Corporate bonds
  
2,771
   
-
   
2,771
   
-
 
Foreign bonds, notes & debentures
  
262
   
-
   
262
   
-
 
Total plan assets
 
$
41,782
  
$
38,749
  
$
3,033
  
$
-
 
Estimated Benefit Payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan (amounts in thousands):

Calendar Year
 
Future Expected Benefit Payments
 
2015
 
$
1,761
 
2016
 
$
1,849
 
2017
 
$
1,949
 
2018
 
$
2,052
 
2019
 
$
2,114
 
2020-2024
 
$
11,949
 
Defined Benefit Health Care Plan [Member]  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in Benefit Obligation
Changes in accumulated postretirement benefit obligation:
 
2014
  
2013
 
Accumulated postretirement benefit obligation - beginning of year
 
$
1,490
  
$
1,534
 
Service cost
  
39
   
44
 
Interest cost
  
72
   
66
 
Participant contributions
  
84
   
74
 
Actuarial (gain) loss
  
177
   
(61
)
Benefits paid
  
(199
)
  
(167
)
Accumulated postretirement benefit obligation at end of year
 
$
1,663
  
$
1,490
 
Change in Plan Assets
Change in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
-
  
$
-
 
Employer contribution
  
115
   
93
 
Plan participants’ contributions
  
84
   
74
 
Benefits paid
  
(199
)
  
(167
)
Fair value of plan assets at end of year
 
$
-
  
$
-
 
         
Funded status
 
$
(1,663
)
 
$
(1,490
)
Amount Recognized in Accumulated Other Comprehensive Income
Amount recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):

  
2014
  
2013
 
Net actuarial loss
 
$
322
  
$
148
 
Prior service benefit
  
(531
)
  
(628
)
Total before tax effects
 
$
(209
)
 
$
(480
)
Weighted-Average Assumption for Disclosure of Health Care Cost Trend
Weighted-average assumption for disclosure as of December 31,
 
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Health care cost trend: Initial
  
7.00
%
  
8.00
%
  
9.00
%
Health care cost trend: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate cost trend reached
  
2018
   
2018
   
2018
 
Components of Net Periodic Benefit Cost
Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost
 
$
39
  
$
44
  
$
39
 
Interest cost
  
72
   
66
   
71
 
Amortization of  prior service benefit
  
(97
)
  
(97
)
  
(97
)
Recognized actuarial loss
  
3
   
10
   
1
 
Net periodic postretirement cost
 
$
17
  
$
23
  
$
14
 
Schedule of Other Amounts Recognized in Other Comprehensive Income
Other changes in plan assets and benefit obligations recognized  in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
177
  
$
(61
)
 
$
178
 
Recognized actuarial loss
  
(3
)
  
(10
)
  
(1
)
Amortization of  prior service benefit
  
97
   
97
   
97
 
Total recognized in other comprehensive income (loss) (before tax effect)
 
$
271
  
$
26
  
$
274
 
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect)
 
$
288
  
$
49
  
$
288
 
Amounts Expected to be Recognized in Net Periodic Cost

Amounts expected to be recognized in net periodic cost during 2015:
  
Loss recognition
 
$
10
 
Prior service cost recognition
 
$
(97
)
Effect of One-Percentage Point Change in Assumed Health Care Cost Trend Rates
Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects (amounts in thousands):

Effect of a 1% increase in health care trend rate on:
 
2014
  
2013
  
2012
 
Benefit obligation
 
$
5
  
$
15
  
$
4
 
Total service and interest cost
 
$
-
  
$
-
  
$
-
 

Effect of a 1% decrease in health care trend rate on:
 
2014
  
2013
  
2012
 
Benefit obligation
 
$
(6
)
 
$
(23
)
 
$
(5
)
Total service and interest cost
 
$
-
  
$
(2
)
 
$
(1
)
 
Weighted-Average Assumption for Net Periodic Cost
Weighted-average assumptions for net periodic cost as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Health care cost trend: Initial
  
8.00
%
  
9.00
%
  
10.00
%
Health care cost tread: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate reached
  
2018
   
2018
   
2018
 
Estimated Benefit Payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten (amounts in thousands):
 
Calendar Year
 
Future Estimated Benefit Payments
 
2015
 
$
201
 
2016
 
$
176
 
2017
 
$
140
 
2018
 
$
150
 
2019
 
$
159
 
2020-2024
 
$
652
 
Executive Supplemental Pension Plan [Member]  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in Benefit Obligation
Change in projected benefit obligation:
 
2014
  
2013
 
Benefit obligation at beginning of year
 
$
1,116
  
$
1,162
 
Service cost
  
38
   
40
 
Interest cost
  
55
   
48
 
Actuarial (gain) loss
  
110
   
(59
)
Benefits paid
  
(75
)
  
(75
)
Projected benefit obligation at end of year
 
$
1,244
  
$
1,116
 
Change in Plan Assets
Changes in plan assets:
 
2014
  
2013
 
Fair value of plan assets at beginning of year
 
$
-
  
$
-
 
Employer contributions
  
75
   
75
 
Benefits paid
  
(75
)
  
(75
)
Fair value of plan assets at end of year
 
$
-
  
$
-
 
         
Unfunded status
 
$
(1,244
)
 
$
(1,116
)
Amount Recognized in Accumulated Other Comprehensive Income
Amounts recognized in accumulated other comprehensive income (loss) at December 31, 2014 and 2013 consist of the following (amounts in thousands):
 
  
2014
  
2013
 
Net actuarial loss
 
$
275
  
$
194
 
Prior service cost
  
-
   
-
 
Total before tax effects
 
$
275
  
$
194
 
Assumptions Used in Determining Benefit Obligation
Weighted-average assumption for disclosure as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.09
%
  
4.92
%
  
4.26
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Components of Net Periodic Benefit Cost
Net periodic benefit cost
 
2014
  
2013
  
2012
 
Service cost
 
$
38
  
$
40
  
$
35
 
Interest cost
  
55
   
48
   
51
 
Recognized actuarial loss
  
29
   
34
   
20
 
  Net periodic postretirement benefit cost
 
$
122
  
$
122
  
$
106
 
Schedule of Other Amounts Recognized in Other Comprehensive Income
Other changes in plan assets and benefit obligation recognized in other comprehensive income (loss):
 
2014
  
2013
  
2012
 
Net actuarial (gain) loss
 
$
110
  
$
(59
)
 
$
81
 
Recognized actuarial loss
  
(29
)
  
(34
)
  
(20
)
Total recognized in other comprehensive income (loss) (before tax effect)
 
$
81
  
$
(93
)
 
$
61
 
             
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect)
 
$
203
  
$
29
  
$
167
 
Amounts Expected to be Recognized in Net Periodic Cost
Amounts expected to be recognized in net periodic cost during 2015:
  
Loss recognition
 
$
50
 
Prior service cost recognition
 
$
-
 
 
Assumptions Used in Determining Net Periodic Benefit Cost
Weighted-average assumptions for net periodic cost as of December 31,:
 
2014
  
2013
  
2012
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Salary scale
  
5.00
%
  
5.00
%
  
5.00
%
Estimated Benefit Payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan (amounts in thousands):

Calendar Year
 
Future Estimated Benefit Payments
 
2015
 
$
75
 
2016
 
$
75
 
2017
 
$
75
 
2018
 
$
116
 
2019
 
$
116
 
2020-2024
 
$
580
 
XML 100 R20.htm IDEA: XBRL DOCUMENT v2.4.1.9
STOCK COMPENSATION
 12 Months Ended
Dec. 31, 2014
STOCK COMPENSATION [Abstract]  
STOCK COMPENSATION
(12)            STOCK COMPENSATION

Board of Director’s Stock Compensation

Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director.  The common shares are distributed to the Corporation's individual board members from treasury shares of the Corporation on or about January 15 following the calendar year of service.

Additionally, the President and Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to board members not employed by the Corporation who have served for 12 months during the prior year.

During January 2015, 2014, and 2013, 9,673, 8,385 and 7,969 shares, respectively, were re-issued from treasury to fund the stock component of the directors' and the President and Chief Executive Officer’s compensation.  An expense of $271 thousand, $273 thousand and $217 thousand related to this compensation was recognized during the years 2014, 2013 and 2012, respectively.  This expense is accrued as shares are earned.

Restricted Stock Plan

Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's President and Chief Executive Officer.  Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

A summary of restricted stock activity as of December 31, 2014, and changes during the year ended is presented below:

  
Shares
  
Weighted–Average Grant Date Fair Value
 
Nonvested at December 31, 2013
  
20,639
  
$
27.17
 
Granted
  
11,279
   
28.40
 
Vested
  
(5,490
)
  
26.09
 
Forfeited or Cancelled
  
-
   
-
 
Nonvested at December 31, 2014
  
26,428
  
$
27.92
 

As of December 31, 2014, there was $718 thousand of total unrecognized compensation cost related to nonvested shares granted under the Plan.  The cost is expected to be recognized over a weighted-average period of 3.95 years.  The total fair value of shares vested during the years ended December 31, 2014 and 2013 were $152 thousand and $181 thousand, respectively.

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