Cape Vincent, NY · Cert 8908
FDIC · 3 branches
Q2 2022
Market Position · Watertown-Fort Drum, NY · 2022 SOD (annual) · 3.6% share · #6 of 10 inst. · $0.1B of $2.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.26% | 0.22% | -1.38% | 0.23% | -25 bps | |
| Return on Equity | 5.51% | 3.08% | 2.66% | -18.99% | 3.78% | -173 bps | |
| Net Interest Margin | 2.72% | 2.63% | 2.39% | 2.43% | 2.58% | -14 bps | |
| Efficiency Ratio | 79.90% | 87.48% | 91.53% | 152.34% | 91.67% | +1,177 bps | |
| Non-Interest Burden | 2.16% | 2.29% | 2.18% | 3.74% | 2.36% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.83% | 14.03% | 7.99% | 3.83% | 0.62% | -1,321 bps | |
| Loan Growth (YoY) | 10.05% | 7.18% | 8.59% | 3.76% | -2.65% | -1,270 bps | |
| Deposit Growth (YoY) | 15.91% | 16.25% | 9.93% | 6.34% | 3.74% | -1,217 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 1.28% | 1.26% | 1.26% | 1.14% | -25 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.18% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.65% | 1.57% | 1.55% | 1.58% | 1.65% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 1.3x | 1.5x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.41% | 8.27% | 8.01% | 7.38% | 7.73% | -68 bps | |
| Total Risk-Based Capital | 22.94% | 22.40% | 21.98% | 21.34% | 22.45% | -49 bps | |
| Equity / Assets | 8.79% | 8.34% | 8.13% | 6.38% | 5.75% | -304 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.59% | 50.58% | 52.69% | 51.02% | 49.36% | -324 bps | |
| Liquid Assets / Assets | 6.41% | 6.85% | 3.69% | 7.36% | 10.68% | +427 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |