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Share Name | Share Symbol | Market | Type |
---|---|---|---|
Tompkins Financial Corporation | AMEX:TMP | AMEX | Common Stock |
Price Change | % Change | Share Price | High Price | Low Price | Open Price | Shares Traded | Last Trade | |
---|---|---|---|---|---|---|---|---|
3.20 | 5.88% | 57.58 | 57.72 | 54.69 | 54.69 | 93,617 | 22:30:00 |
Tompkins Financial Corporation (TMP–NYSE Amex)
Tompkins Financial Corporation reported diluted earnings per share of $0.76 (adjusted for 10% stock dividend approved on January 27, 2010; refer to footnote1) for the fourth quarter of 2009, an 11.8% increase over the $0.68 reported for the fourth quarter of 2008. Net income of $8.2 million for the fourth quarter of 2009, represented an increase of 12.9% over the $7.3 million reported for the same period in 2008.
Full year diluted earnings per share1 of $2.96 were at an all time high and represent a 6.5% increase over the $2.78 reported for the twelve months ended December 31, 2008. Full year net income was $31.8 million in 2009 up 6.7%, compared to $29.8 million in 2008.
Selected highlights for the fourth quarter and year-to-date period are included below:
Stephen S. Romaine, President and CEO stated, “We are obviously pleased to report record earnings in a year when the financial services industry has seen significant turmoil and when many in our industry have reported losses. As good as our 2009 results were, comparison of growth in diluted earnings per share between 2009 and 2008 would have been even stronger if certain non-recurring items were excluded from 2009 and 2008 year to date results.” These non-recurring items included: $1.4 million of expense ($0.07 per diluted share) related to the FDIC’s special deposit insurance assessment, which negatively impacted 2009 earnings; and $1.6 million ($0.09 per diluted share) of pre-tax revenue related to the VISA IPO in the first quarter of 2008, which had a favorable impact on 2008 year to date earnings. Please refer to the attached non-GAAP disclosure table for additional details on these items.
Further details on the Company’s performance are discussed below. For the year-to-date period, growth in average assets and average liabilities and growth in certain revenue and expense categories were impacted by the May 2008 acquisition of Sleepy Hollow Bancorp.
Net interest income for the fourth quarter of 2009 was $27.9 million, up 12.5% from the same quarter last year. Net interest income was also up 4.2% over the third quarter of 2009, representing our 11th consecutive quarter of increased net interest income. Net interest income for the year ended December 31, 2009 was $107.0 million, an increase of 18.4% over the prior year. Growth in average earning assets and deposits has contributed to the increase in net interest income in 2009. Total loans were $1.9 billion at December 31, 2009, up 5.4% from December 31, 2008; while total deposits were $2.4 billion at quarter end, up 14.3% from the same period in 2008. The net interest margin for the fourth quarter of 2009 was 3.89%, unchanged from the fourth quarter of 2008, and down slightly from the 3.91% reported for the third quarter of 2009.
The provision for loan and lease losses increased to $2.8 million in the fourth quarter of 2009, compared to $2.1 million in the fourth quarter of 2008. The full year provision for loan and lease losses totaled $9.3 million in 2009, up from $5.4 million in 2008. An increase in net charge-offs, nonperforming loans and general economic conditions all contributed to the increased provision expense this year. Mr. Romaine commented, “Like most banks, we have seen deteriorating trends in asset quality; however, our levels of nonperforming assets and net charge-offs remain well below national averages. It is also encouraging that approximately 57% of our nonperforming loans were less than 30 days past due as of year end 2009. We remain diligent in our monitoring of the credit portfolio, as we recognize that a continuation or worsening of the current economic situation may result in further stress on the portfolio.”
Annualized net charge-offs for the three months ended December 31, 2009, represented 0.25% of average loans compared to 0.17% for the three months ended December 31, 2008. The Company’s net charge-off ratio compares favorably to the most recent Federal Reserve Board peer group2 ratio of 1.46%. Nonperforming assets represented 1.12% of total assets as of December 31, 2009 (up from 0.56% at December 31, 2008), which compares to a Federal Reserve Board peer group1 ratio of 3.30%. The Company’s allowance for loan and lease losses totaled $24.4 million at December 31, 2009, which represented 1.27% of total loans, an increase of 24 basis points from a ratio of 1.03% at year-end 2008.
Noninterest income for the fourth quarter of 2009 was $12.1 million, up 17.5% from the same period in 2008. Year-to-date 2009 noninterest income was $46.2 million, roughly flat in comparison to the same period in 2008. As previously mentioned, year-to-date 2008 noninterest income included nonrecurring income of $1.6 million related to the VISA IPO. Full year and quarterly results for 2009 were favorably impacted by net mark-to-market gains on assets and liabilities carried at fair value. Increased residential mortgage origination volumes in 2009 resulted in higher gains on sale of loans, both in the fourth quarter and full year periods in 2009.
Noninterest expenses for the fourth quarter 2009 were $24.9 million, up 9.7% from the same period last year. For the year to date period, noninterest expenses were $96.6 million, an increase of 11.0% over the same period in 2008. Higher FDIC insurance costs were the most significant contributor to the higher expense levels in 2009. FDIC insurance expense, included in other noninterest expense, totaled $1.6 million in the fourth quarter of 2009 compared to $378,000 in the fourth quarter of 2008. For the year to date period, FDIC expense was $5.0 million in 2009, versus $933,000 in 2008. FDIC insurance expense for the year to date period in 2009 includes a special assessment of $1.4 million in the second quarter. Salary and wages, pensions and employee benefits, and occupancy expenses were directly impacted by the May 2008 Sleepy Hollow acquisition with the addition of five staffed branches.
Mr. Romaine concluded, “The challenges facing our industry in this current economic climate are unprecedented. We recognize that maintaining a strong capital base is more important than ever to allow for future growth and the management of risk. We are pleased that we continue to grow equity through retained earnings, and in 2009, we were able to further supplement capital through a private placement offering of Trust Preferred Securities that added over $20 million in regulatory capital.” Capital levels at December 31, 2009, remain comfortably above the regulatory minimums to be considered “well capitalized”, with a ratio of Tier 1 capital to average assets of 7.4%; and a ratio of total capital to risk-weighted assets of 12.1%. These ratios are improved from 6.7% and 10.6%, respectively, at December 31, 2008.
Tompkins Financial Corporation operates 45 banking offices in the New York State markets served by the Company's subsidiary banks - Tompkins Trust Company, The Bank of Castile, and Mahopac National Bank. Through its community banking subsidiaries, the Company provides traditional banking services, and offers a full range of money management services through Tompkins Investment Services (a division of Tompkins Trust Company). The Company offers insurance services through its Tompkins Insurance Agencies, Inc. subsidiary, an independent agency serving individuals and business clients throughout New York State. The Company offers fee-based financial planning and wealth management services through its AM&M Financial Services, Inc. subsidiary. AM&M Financial Services, Inc. is also the parent company to Ensemble Financial Services, Inc., an independent broker dealer and leading outsourcing company for financial planners and investment advisors. Each Tompkins subsidiary operates with a community focus, meeting the unique needs of the communities served.
"Safe Harbor" Statement under the Private Securities Litigation Reform of 1995:
This press release may include forward-looking statements with respect to revenue sources, growth, market risk, and corporate objectives. The Company assumes no duty, and specifically disclaims any obligation, to update forward-looking statements, and cautions that these statements are subject to numerous assumptions, risks, and uncertainties, all of which could change over time. Actual results could differ materially from forward-looking statements.
1 Share and per share data in this press release have been retroactively adjusted to reflect a 10% stock dividend approved on January 27, 2010 and payable on February 15, 2010, to shareholders of record on February 5, 2010. 2 Federal Reserve peer ratio as of September 30, 2009, includes banks and bank holding companies with consolidated assets between $3 billion and $10 billion. Tompkins Financial Corporation – Condensed Consolidated Statements of Condition (Unaudited) (In thousands, except share data) (Unaudited) As of As of ASSETS 12/31/2009 12/31/2008 Cash and noninterest bearing balances due from banks $ 43,686 $ 48,133 Interest bearing balances due from banks 1,676 4,116 Money market funds 100 100 Cash and Cash Equivalents 45,462 52,349 Trading securities, at fair value 31,718 38,101 Available-for-sale securities, at fair value 948,811 764,093 Held-to-maturity securities, fair value of $46,340 at December 31, 2009 and $55,064 at December 31, 2008 44,825 54,453 Loans and leases, net of unearned income and deferred costs and fees 1,914,818 1,817,531 Less: Allowance for loan and lease losses 24,350 18,672 Net Loans and Leases 1,890,468 1,798,859 Bank premises and equipment, net 46,650 46,613 Corporate owned life insurance 35,953 34,804 Goodwill 41,589 41,479 Other intangible assets, net 4,864 5,299 Accrued interest and other assets 62,920 31,672 Total Assets $ 3,153,260 $ 2,867,722 LIABILITIES Deposits: Interest bearing: Checking, savings and money market $ 1,183,145 $ 980,011 Time 794,738 703,107 Noninterest bearing 461,981 450,889 Total Deposits 2,439,864 2,134,007 Federal funds purchased and securities sold under agreements to repurchase, fair value of $5,500 at December 31, 2009 and $16,170 at December 31, 2008 192,784 196,304 Other borrowings 208,965 274,791 Trust preferred debentures, fair value of $11,335 at December 31, 2009 and $12,179 at December 31, 2008 25,056 3,888 Other liabilities 41,583 39,371 Total Liabilities 2,908,252 2,648,361 Equity Tompkins Financial Corporation shareholders' equity: Common Stock - par value $.10 per share, authorized 25,000,000 shares Issued: 9,772,365 at December 31, 2009; and 9,727,418 at December 31,2008
977 973 Additional paid-in capital 155,590 152,842 Retained earnings 92,402 73,779 Accumulated other comprehensive loss (3,087 ) (7,602 ) Treasury stock, at cost - 81,723 shares at December 31, 2009, and 76,881 at December 31, 2008. (2,326 ) (2,083 ) Total Tompkins Financial Corporation Shareholders' Equity 243,556 217,909 Noncontrolling interest 1,452 1,452 Total Equity 245,008 219,361 Total Liabilities and Equity $ 3,153,260 $ 2,867,722
Tompkins Financial Corporation – Condensed Consolidated Statements of Income (Unaudited)
(In thousands, except per share data) Three months ended Twelve months ended 12/31/2009 12/31/2008 12/31/2009 12/31/2008 INTEREST AND DIVIDEND INCOME Loans 27,359 26,931 107,452 102,840 Due from banks 12 9 27 133 Federal funds sold 4 0 15 115 Money market funds 1 10 36 246 Trading securities 313 406 1,362 1,923 Available-for-sale securities 9,321 8,674 36,089 33,635 Held-to-maturity securities 417 503 1,814 1,891 Total Interest and Dividend Income 37,427 36,533 146,795 140,783 INTEREST EXPENSE Deposits: Time certificates of deposits of $100,000 or more 1,286 1,883 5,442 9,039 Other deposits 4,340 5,825 18,769 25,489 Federal funds purchased and securities sold under agreements to repurchase 1,565 1,734 6,254 7,496 Other borrowings 2,339 2,288 9,293 8,369 Total Interest Expense 9,530 11,730 39,758 50,393 Net Interest Income 27,897 24,803 107,037 90,390 Less: Provision for loan/lease losses 2,758 2,105 9,288 5,428 Net Interest Income After Provision for Loan/Lease Losses 25,139 22,698 97,749 84,962 NONINTEREST INCOME Investment services income 3,502 3,451 13,328 14,179 Insurance commissions and fees 2,870 2,833 12,307 11,607 Service charges on deposit accounts 2,451 2,529 9,312 10,192 Card services income 980 844 3,664 3,338 Other service charges 539 661 1,937 2,657 Mark-to-market (loss) gain on trading securities (150 ) 983 204 811 Mark-to-market gain (loss) on liabilities held at fair value 502 (1,839 ) 1,263 (2,001 ) Increase in cash surrender value of corporate owned life insurance 316 361 1,090 1,448 Gains on sale of loans 202 15 1,357 105 Gain on VISA stock redemption 0 0 0 1,639 Other income 712 440 1,549 1,583 Net other-than temporary impairment losses 0 0 (146 ) 0 Net realized gain on available-for-sale securities 218 53 348 477 Total Noninterest Income 12,142 10,331 46,213 46,035 NONINTEREST EXPENSES Salary and wages 10,597 10,787 40,459 40,140 Pension and other employee benefits 3,281 2,555 13,367 10,307 Net occupancy expense of bank premises 1,668 1,753 7,135 6,839 Furniture and fixture expense 1,101 1,045 4,462 4,197 Marketing expense 1,004 812 3,778 3,581 Professional fees 906 904 3,307 3,011 Software licensing and maintenance 920 460 2,812 2,503 FDIC insurance 1,648 378 4,976 933 Cardholder expense 410 305 1,532 1,225 Amortization of intangible assets 213 306 915 906 Other operating expense 3,183 3,423 13,874 13,414 Total Noninterest Expenses 24,931 22,728 96,617 87,056 Income Before Income Tax Expense 12,350 10,301 47,345 43,941 Income Tax Expense 4,104 2,994 15,383 13,810 Net Income attributable to Noncontrolling Interests and Tompkins Financial Corporation 8,246 7,307 31,962 30,131 Less: Net income attributable to noncontrolling interests 32 33 131 297 Net Income Attributable to Tompkins Financial Corporation $ 8,214 $ 7,274 $ 31,831 $ 29,834 Basic Earnings Per Share1 $ 0.77 $ 0.68 $ 2.98 $ 2.81 Diluted Earnings Per Share1 $ 0.76 $ 0.68 $ 2.96 $ 2.78During the twelve months ended December 31, 2009, $2.0 million of gross other-than-temporary impairment losses on debt securities available-for-sale were recognized, of which $1.9 million, were recognized in accumulated other comprehensive income, net of tax.
Tompkins Financial Corporation Average Consolidated Balance Sheet and Net Interest Analysis (Unaudited) Quarter Ended YTD Period Ended YTD Period Ended Dec-09 Dec-09 Dec-08 Average Average Average Average Average Average Balance Yield/ Balance Yield/ Balance Yield/ (Dollar amounts in thousands) (QTD) Interest Rate (YTD) Interest Rate (YTD) Interest Rate ASSETS Interest-earning assets Interest-bearing balances due from banks $ 38,639 $ 12 0.12 % $ 17,017 $27 0.16 % $ 6,239 $ 133 2.13 % Money market funds 10,255 1 0.04 % 17,130 36 0.21 % 9,064 233 2.57 % Securities (1) U.S. Government Securities 783,422 8,208 4.16 % 721,438 31,812 4.41 % 615,234 29,130 4.73 % Trading Assets 32,741 313 3.79 % 35,067 1,362 3.88 % 43,331 1,923 4.44 % State and municipal (2) 107,087 1,603 5.94 % 111,253 6,715 6.04 % 110,551 6,648 6.01 % Other Securities (2) 39,541 544 5.46 % 40,984 1,957 4.78 % 40,110 2,251 5.61 % Total securities 962,791 10,668 4.40 % 908,742 41,846 4.60 % 809,226 39,952 4.94 % Federal Funds Sold 11,210 4 0.14 % 8,542 15 0.18 % 5,258 115 2.19 % Loans, net of unearned income (3) Real Estate Loans 1,315,835 19,032 5.74 % 1,284,063 75,479 5.88 % 1,166,532 71,732 6.15 % Commercial Loans (2) 481,802 6,705 5.52 % 466,076 25,461 5.46 % 346,453 24,419 7.05 % Consumer Loans 87,414 1,558 7.07 % 87,283 6,083 6.97 % 85,350 6,118 7.17 % Direct Lease Financing (2) 12,323 183 5.89 % 13,031 784 6.02 % 14,381 877 6.10 % Total loans, net of unearned income 1,897,374 27,478 5.74 % 1,850,453 107,807 5.83 % 1,612,716 103,146 6.40 % Total interest-earning assets 2,920,269 38,163 5.18 % 2,801,884 149,731 5.34 % 2,442,503 143,592 5.88 % Other assets 212,330 207,123 190,517 Total assets 3,132,599 3,009,007 2,633,020 LIABILITIES & SHAREHOLDERS' EQUITY Deposits Interest-bearing deposits Interest bearing checking, savings & money market 1,193,092 2,062 0.69 % 1,128,648 8,694 0.77 % 906,404 12,983 1.43 % Time Dep > $100,000 329,448 1,286 1.55 % 303,761 5,442 1.79 % 282,547 9,039 3.20 % Time Dep < $100,000 423,607 2,072 1.94 % 420,351 9,223 2.19 % 384,903 12,273 3.19 % Brokered Time Dep < $100,000 45,372 206 1.81 % 43,218 852 1.97 % 7,580 233 3.07 % Total interest-bearing deposits 1,991,518 5,626 1.12 % 1,895,978 24,211 1.28 % 1,581,434 34,528 2.18 % Federal funds purchased & securities sold under agreements to repurchase 198,607 1,565 3.12 % 190,975 6,254 3.27 % 203,385 7,496 3.69 % Other borrowings 195,477 1,976 4.01 % 204,467 8,206 4.01 % 192,144 8,216 4.28 % Trust Preferred Debentures 23,395 363 6.15 % 17,311 1,087 6.28 % 2,552 153 6.00 % Total interest-bearing liabilities 2,408,997 9,530 1.57 % 2,308,731 39,758 1.72 % 1,979,515 50,393 2.55 % Non-interest bearing deposits 437,224 427,025 407,336 Accrued expenses and other liabilities 41,202 40,242 35,384 Total liabilities 2,887,423 2,775,998 2,422,235 Tompkins Financial Corporation Shareholders' Equity 243,635 231,498 207,382 Noncontrolling Interest 1,541 1,511 3,403 Total shareholders' equity 245,176 233,009 210,785 Total liabilities and shareholders' equity $ 3,132,599 $ 3,009,007 $ 2,633,020 Interest rate spread 3.61 % 3.62 % 3.33 % Net interest income/margin on earning assets 28,633 3.89 % 109,973 3.92 % 93,163 3.81 % Tax Equivalent Adjustment (736 ) (2,936 ) (2,773 ) Net interest income per consolidated Financial statements $ 27,897 $107,037 $ 90,390 (1) Average balances and yields on available-for-sale securities are based on historical amortized cost. (2) Interest income includes the tax effects of taxable-equivalent adjustments using a combined New York State and Federal effective income tax rate of 40% to increase tax exempt interest income to taxable-equivalent basis. (3) Nonaccrual loans are included in the average asset totals presented above. Payments received on nonaccrual loans have been recognized as disclosed in Note 1 of the consolidated financial statements. Tompkins Financial Corporation - Summary Financial Data (Unaudited) (In thousands, except per share data) Quarter-Ended Year-Ended Dec-09 Sep-09 Jun-09 Mar-09 Dec-08 Dec-09 Period End Balance Sheet Securities $ 1,025,354 $ 928,874 $ 923,758 $ 989,914 $ 856,647 $ 1,025,354 Loans and leases, net of unearned income and deferred costs and fees 1,914,818 1,882,321 1,841,198 1,811,792 1,817,531 1,914,818 Allowance for loan and lease losses 24,350 22,800 21,319 19,980 18,672 24,350 Total assets 3,153,260 3,088,039 2,968,057 2,993,312 2,867,722 3,153,260 Total deposits 2,439,864 2,397,431 2,288,809 2,335,937 2,134,007 2,439,864 Federal funds purchased and securities sold under agreements to repurchase 192,784 192,099 189,993 182,744 196,304 192,784 Other borrowings 208,965 194,795 194,754 206,056 274,791 208,965 Trust Preferred Debentures 25,056 23,018 23,017 4,101 3,888 25,056 Shareholders' Equity 245,008 241,647 229,308 227,385 219,361 245,008 Average Balance Sheet Average earning assets $ 2,920,269 $ 2,792,319 $ 2,778,425 $ 2,714,669 $ 2,613,324 $ 2,801,884 Average assets 3,132,599 2,999,961 2,982,077 2,919,147 2,813,158 3,009,007 Average interest-bearing liabilities 2,408,997 2,289,144 2,295,454 2,235,793 1,691,860 2,308,731 Average equity 245,176 233,535 230,117 222,957 212,608 233,009 Share data Weighted average shares outstanding (basic) 1 10,702,447 10,693,698 10,679,709 10,671,693 10,651,495 10,686,989 Weighted average shares outstanding (diluted) 1 10,752,737 10,763,374 10,763,784 10,756,903 10,758,394 10,759,302 Period-end shares outstanding 9,739,719 9,722,834 9,720,440 9,699,828 9,694,772 9,739,719 Book value per share1 $ 22.87 $ 22.59 $ 21.45 $ 21.31 $ 20.57 $ 22.87 Income Statement Net interest income $ 27,897 $ 26,780 $ 26,509 $ 25,851 $ 24,803 $ 107,037 Provision for loan/lease losses 2,758 2,127 2,367 2,036 2,105 9,288 Noninterest income 12,142 11,600 11,538 10,933 10,331 46,213 Noninterest expense 24,931 23,723 24,674 23,289 22,728 96,617 Income tax expense 4,104 4,037 3,526 3,716 2,995 15,383 Net income attributable to Tompkins Financial 8,214 8,460 7,447 7,710 7,274 31,831 Noncontrolling interest 32 33 33 33 32 131 Basic earnings per share1 $ 0.77 $ 0.79 $ 0.70 $ 0.72 $ 0.68 $ 2.98 Diluted earnings per share1 $ 0.76 $ 0.79 $ 0.69 $ 0.72 $ 0.68 $ 2.96 Asset Quality Net charge-offs $ 1,208 $ 646 $ 1,028 $ 728 $ 739 $ 3,610 Nonaccrual loans and leases 31,289 25,837 24,662 15,478 15,798 31,289 Loans and leases 90 days past due and accruing 369 579 1,073 677 161 369 Troubled debt restructurings not included above 3,265 0 0 0 69 3,265 Total nonperforming loans and leases 34,923 26,416 25,735 16,155 16,028 34,923 OREO 299 440 68 103 110 299 Nonperforming assets 35,222 26,856 25,803 16,258 16,138 35,222 Credit Quality Net loan and lease losses/ average loans and leases * 0.25 % 0.14 % 0.23 % 0.16 % 0.17 % 0.20 % Nonperforming loans and leases/loans andLeases
1.82 % 1.40 % 1.40 % 0.89 % 0.88 % 1.82 % Nonperforming assets/assets 1.12 % 0.87 % 0.87 % 0.54 % 0.56 % 1.12 % Allowance/nonperforming loans and leases 69.72 % 86.31 % 82.84 % 123.68 % 116.50 % 69.72 % Allowance/loans and leases 1.27 % 1.21 % 1.16 % 1.10 % 1.03 % 1.27 % Capital Adequacy (period-end) Tier 1 capital / average assets 7.44 % 7.47 % 7.30 % 6.70 % 6.70 % 7.44 % Total capital / risk-weighted assets 12.14 % 11.89 % 11.70 % 10.80 % 10.60 % 12.14 % Profitability Return on average assets * 1.04 % 1.12 % 1.00 % 1.07 % 1.03 % 1.06 % Return on average equity * 13.29 % 14.37 % 12.98 % 14.02 % 13.61 % 13.66 % Net interest margin (TE) * 3.89 % 3.91 % 3.93 % 3.97 % 3.89 % 3.92 % * Quarterly ratios have been annualized Quarter-Ended Year-Ended Non-GAAP Disclosure Dec-09 Sep-09 Jun-09 Mar-09 Dec-08 Dec-09 Reported net income $ 8,214 $ 8,460 $ 7,447 $ 7,710 $ 7,274 $ 31,831 Adjustments: FDIC special insurance assessment(after-tax)
0 0 822 0 0 822 Subtotal adjustments 0 0 822 0 0 822 Adjusted net income 8,214 8,460 8,269 7,710 7,274 32,653 Weighted average shares outstanding (diluted) 1 10,752,737 10,760,912 10,763,794 10,756,903 10,758,394 10,759,302 Adjusted diluted earnings per share1 $ 0.76 $ 0.79 $ 0.77 $ 0.72 $ 0.68 $ 3.03 Year-to-date period ended Non-GAAP Disclosure Dec-09 Dec-08 Reported net income $ 31,831 $ 29,834 Adjustments: Proceeds and accrual adjustment from VISA IPO (after-tax) 0 (983 ) FDIC special insurance assessment (after-tax) 822 0 Subtotal adjustments 822 (983 ) Adjusted net income 32,653 28,851 Weighted average shares outstanding (diluted) 1 10,759,302 10,718,842 Adjusted diluted earnings per share1 $ 3.03 $ 2.69 1 Share and per share data in this press release have been retroactively adjusted to reflect a 10% stock dividend approved on January 27, 2010 and payable on February 15, 2010, to shareholders of record on February 5, 2010.
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