Chemung Financial 10K 2002 Annual report | CHMG Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Bad

New words: Abatement, ability, accelerated, accompanying, account, accounted, accounting, accreted, accrual, accumulated, achieved, achieving, actuarial, Additionally, adequacy, adequate, adjusted, adjustment, administered, advance, advanced, advantage, affect, affiliate, affiliated, age, ago, agreed, agreement, al, ALCO, alerting, alternative, altogether, America, announced, anticipate, anticipated, anticipating, APB, applied, apply, applying, approach, aproximately, arise, arising, asAvailable, asHeld, assessing, assessment, asset, assumed, assuming, assumption, assurance, atDecember, attached, attributable, attributed, audit, audited, auditing, auditor, August, auto, automobile, aware, Baa, Bad, baking, banning, basic, bel, BHC, BIF, billion, blanket, bond, borrower, bove, brought, Budget, built, calendar, call, callable, called, capacity, captive, card, care, careful, carefully, carryback, carryforward, categorized, caution, CD, CDI, certify, certifying, checkcard, cial, clarify, closely, closing, coinsurance, collectio, combating, comfortable, comment, Commission, commitment, committed, complementary, complex, compliance, comply, component, comprised, comprising, concluded, Condensed, conform, conforming, conformity, conjunction, connection, considerable, consideration, consisted, consistent, consisting, constructing, construed, contingent, continue, continued, continuing, contract, contractual, contributory, converted, cooperation, core, corollary, corrective, coverage, create, critical, curve, customer, dealer, decided, declaration, declared, decline, declining, decrease, decreased, deduct, deductible, deduction, deed, deferred, defined, dental, department, depository, depreciation, design, designated, designed, detail, deteriorated, devote, difficult, direct, directed, discontinued, discount, discounted, discretionary, Disposal, dispose, Diversification, divided, division, donation, downgraded, drug, earlier, earliest, economy, education, Efficiency, eligibility, eligible, eliminated, eliminating, Empire, enacted, enactment, encourage, encouraged, encumbered, enforcement, enhance, enhanced, ensure, enter, entered, entity, environment, equal, equipment, erosion, essentially, evaluated, evaluating, evaluation, evidence, evidenced, examination, examining, exceeded, exempt, exemption, exhaustive, existence, existing, expedient, expense, expertise, expire, exposed, exposure, expressed, extend, extended, extending, extension, extensive, extent, extremely, facing, fact, factor, Failure, fair, fairly, fall, family, FASB, favorable, FDIC, fewer, FICO, fiduciary, filer, FIN, final, finan, fixed, floor, fluctuate, foreclosure, foregoing, foreseeable, formal, formula, forward, framework, Franchise, fraud, FRB, free, frequent, frequently, FTE, fulfilled, fully, furniture, gain, gaining, gathering, geographical, GLB, goodwill, governmental, grew, growing, Guarantor, guidance, guideline, half, hand, harbor, headingLiquidity, health, hedging, higher, highly, hyperlink, identical, impact, impacted, impacting, impai, implementing, important, impose, imposed, incentive, inception, incident, incidental, increase, increased, incur, incurred, indefinite, indirect, individual, individually, inflation, Info, inherent, initiate, insider, insignificant, installment, instituted, institution, instrument, intangible, integral, integrity, intended, intent, interchange, intercompany, Internet, interpretation, interpretative, inventory, involve, involved, involving, IRA, IRS, Issuable, issuance, issue, issued, issuer, issuing, judgement, July, key, KPMG, Land, large, larger, largest, laundering, leasehold, leaving, length, leverage, leveraging, liability, lieu, light, likelihood, likewise, line, liquid, liquidity, Litigation, living, LLC, LLP, longer, Loundsberry, low, lowance, lower, lowered, MAE, mainframe, mandatory, margin, matching, maximum, measured, measuring, medical, member, merchant, Merger, met, method, minimum, misleading, misstatement, modeled, moderate, modify, monitor, monitored, monthly, Moody, movable, multiplied, NASD, national, nationally, nature, necessarily, negatively, ninety, nonaffiliated, nonbanking, noncontributory, noncontrolling, nonpublic, northern, notification, November, NY, NYSBD, objective, obligation, observable, obtain, occurrence, ofapproximately, offset, ongoing, open, opinion, oral, ordinary, overnight, oversee, ow, parent, partially, partnership, PATRIOT, pay, payable, payment, payoff, penalty, Pennsylvania, percent, pertinent, pledged, point, portrayal, pose, postretirement, practical, precision, predict, preference, preferred, preparation, prepared, prepay, prescription, presence, prevailing, primarily, primary, principal, principally, privacy, Private, product, profit, program, prohibit, prolonged, prominent, prompt, proper, properly, proposed, provision, prudently, public, quality, quoted, range, reaching, reader, readily, Realization, realized, recapitalized, recent, Reclassification, reclassified, recognition, recognize, recognized, reconciled, recovered, reduce, reduced, reduction, refinance, refinancing, Reform, regulatory, relevant, reliance, remaining, render, repay, repayment, represent, representing, reprice, repricing, request, rescission, Rese, residual, Resolution, respond, restore, retained, retaining, retired, retiree, retroactively, revenue, revise, rimarily, rment, role, Rule, rve, safeguarded, safety, SALLIE, satisfy, scrutinize, SEC, securi, segment, settled, Shareholder, sheet, shock, short, showing, shown, shrinkage, significant, significantly, slightly, SLM, smaller, sound, southern, speak, Sr, stable, Standard, standby, standing, statute, statutory, steadily, steady, strategic, strength, strong, substandard, substantial, substantially, succeeding, suffering, sufficient, sum, supervised, supervising, supervision, supervisory, Supplemental, support, supported, supporting, symbol, tangible, targeted, taxation, ted, temporary, term, test, TheAvailable, thereto, thousand, thrift, tier, Title, toAppendix, tolerance, traditional, training, transaction, transfer, treated, trend, troubled, true, twelve, typically, ultimate, unable, unanticipated, unauthorized, uncertain, uncertainty, undercapitalized, underlying, understanding, undertaken, underwriting, undistributed, undue, unearned, unfavorable, unfunded, United, unpaid, unrealized, unrecognized, unrelated, untrue, unused, unusual, unusually, USA, utilized, valuation, variable, variety, vary, vault, verifying, VIE, voluntary, wage, warran, weak, website, whistleblower, wide, worsen, worsened, worth, write, writedown, writing, written, wrote, Zone

Removed: absolute, attention, Comparative, criteria, Graph, immaterial, IV, Listing, Personnel, research, response, Tryon

Name	State of Incorporation
Chemung Canal Trust Company	New York

CFS Group, Inc.	New York

Chemung Financial (CHMG) 10-K2002 FY Annual report

Content analysis