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Champlain

Champlain, NY · Charter 11156

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Champlain

Champlain, NY · Charter 11156

Q2 2011

$15.1MAssets
$5.8MLoans
$13.9MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, up 64 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.18% of loans (-43 bps YoY).
  • Capital: net worth / assets of 7.58%, down 73 bps from a year ago.
  • Funding: loans stand at 41.96% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

0.55%+64 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-9 bps YoY

Efficiency Ratio (YTD, annualized)

85.50%-1,080 bps YoY

Net Worth / Assets

7.58%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.03%1.12%0.25%-0.09%-0.10%-0.85%0.67%0.55%+64 bps
Return on Equity-0.40%12.51%2.86%-1.05%-1.16%-10.52%9.09%7.26%+831 bps
Net Interest Margin2.68%2.70%2.86%2.83%2.92%3.11%2.79%2.74%-9 bps
Efficiency Ratio97.22%74.58%89.02%96.29%98.87%107.92%82.55%85.50%-1,080 bps
Growth
Asset Growth (YoY)20.97%16.20%17.22%17.53%-0.26%-4.15%9.51%5.27%-1,226 bps
Loan Growth (YoY)1.46%10.53%8.51%3.30%1.38%-5.51%-17.11%-17.07%-2,037 bps
Share Growth (YoY)14.21%8.57%10.05%11.37%8.19%4.76%20.73%14.60%+323 bps
Asset Quality
Delinquent Loans / Loans0.74%0.59%0.49%0.61%0.48%0.10%0.00%0.18%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.18%0.16%0.15%0.16%0.03%0.14%0.46%0.47%+31 bps
Capital
Risk-Based Capital8.41%8.98%8.84%8.31%8.33%8.06%7.40%7.58%-73 bps
Net Worth / Assets8.41%8.98%8.84%8.31%8.33%8.06%7.40%7.58%-73 bps
Liquidity & Funding
Loans / Shares55.70%60.23%62.05%57.98%52.19%54.32%42.60%41.96%-1,602 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps