Champlain, NY · Charter 11156
Q2 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.68% | 2.70% | 2.86% | 2.83% | 2.92% | 3.11% | 2.79% | 2.74% | -9 bps | |
| Efficiency Ratio | 97.22% | 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 / Loans | 0.74% | 0.59% | 0.49% | 0.61% | 0.48% | 0.10% | 0.00% | 0.18% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.16% | 0.15% | 0.16% | 0.03% | 0.14% | 0.46% | 0.47% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.41% | 8.98% | 8.84% | 8.31% | 8.33% | 8.06% | 7.40% | 7.58% | -73 bps | |
| Net Worth / Assets | 8.41% | 8.98% | 8.84% | 8.31% | 8.33% | 8.06% | 7.40% | 7.58% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.70% | 60.23% | 62.05% | 57.98% | 52.19% | 54.32% | 42.60% | 41.96% | -1,602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |