Champlain National Bank

Champlain National Bank is headquartered in Elizabethtown and is the 120^th largest bank in the state of New York. It is also the 2,803^rd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 71 employees at 9 locations. Champlain National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Champlain National Bank FDIC Certificate # 7356 BankRate Report View Year Established 1934 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $227.56 million Loans $114.61 million Deposits $203.88 million Equity Capital $18.92 million Loan Loss Allowance $2.05 million Unbacked Noncurrent Loans $890,000 Real Estate Owned $294,000 Historic Data - March 2011 Assets $222.47 million Equity Capital $16.68 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $1.13 million Real Estate Owned $261,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.91% Return on Equity 11.18% Interest Income $2.44 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Champlain National Bank had $1.18 million in non-current loans and owned real-estate with $20.96 million in equity and loan loss allowances on hand to cover it. This gives Champlain National Bank a Texas Ratio of 5.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Champlain National Bank decreased slightly from 7.93% as of March 31, 2011 to 5.65% as of March 31, 2012, resulting in a positive change of 28.79%.This indicates that the balance sheet and financial strength for Champlain National Bank has improved slightly in recent periods. Deposit Growth In the past year, Champlain National Bank has increased its total deposits by $13.09 million, resulting in 6.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Champlain National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Champlain National Bank has $227.56 million in assets with $20.96 million in equity, resulting in a capitalization level of 9.21%, which is average.

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