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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.36% | 0.48% | 0.48% | 0.40% | 0.36% | -1.38% | -0.58% | -106 bps | |
| Return on Equity | 4.69% | 3.71% | 5.26% | 5.36% | 4.60% | 4.14% | -18.99% | -8.56% | -1,392 bps | |
| Net Interest Margin | 3.03% | 2.89% | 2.73% | 2.75% | 2.67% | 2.57% | 2.43% | 2.55% | -20 bps | |
| Efficiency Ratio | 81.53% | 84.11% | 83.79% | 81.86% | 83.72% | 85.54% | 152.34% | 121.47% | +3,961 bps | |
| Non-Interest Burden | 2.46% | 2.43% | 2.27% | 2.24% | 2.22% | 2.18% | 3.74% | 3.12% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 12.61% | 19.45% | 13.83% | 14.03% | 7.99% | 3.83% | 0.62% | -1,321 bps | |
| Loan Growth (YoY) | 7.99% | 6.89% | 11.20% | 10.05% | 7.18% | 8.59% | 3.76% | -2.65% | -1,270 bps | |
| Deposit Growth (YoY) | 9.44% | 12.74% | 21.15% | 15.91% | 16.25% | 9.93% | 6.34% | 3.74% | -1,217 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.29% | 1.26% | 1.39% | 1.28% | 1.26% | 1.26% | 1.14% | -25 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | -0.03% | -0.03% | 0.04% | 0.03% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.69% | 1.72% | 1.68% | 1.65% | 1.57% | 1.55% | 1.58% | 1.65% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.3x | 1.2x | 1.2x | 1.2x | 1.3x | 1.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 8.72% | 8.13% | 8.41% | 8.27% | 8.01% | 7.38% | 7.73% | -68 bps | |
| Total Risk-Based Capital | 9.32% | 8.72% | 8.13% | 22.94% | 22.40% | 21.98% | 21.34% | 22.45% | -49 bps | |
| Equity / Assets | 9.79% | 9.37% | 8.75% | 8.79% | 8.34% | 8.13% | 6.38% | 5.75% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.86% | 53.34% | 52.29% | 52.59% | 50.58% | 52.69% | 51.02% | 49.36% | -324 bps | |
| Liquid Assets / Assets | 6.47% | 5.50% | 5.41% | 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 | n/a | n/a | n/a |