Putnam, CT · Cert 18240
FDIC · 8 branches
Q1 2020
Market Position · Worcester, MA-CT · 2019 SOD (annual) · 1.7% share · #18 of 35 inst. · $0.3B of $18.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.67% | 0.71% | 0.98% | 0.54% | -20 bps | |
| Return on Equity | 5.42% | 4.96% | 5.33% | 7.21% | 3.80% | -162 bps | |
| Net Interest Margin | 2.89% | 2.91% | 2.78% | 2.78% | 2.87% | -2 bps | |
| Efficiency Ratio | 70.75% | 73.00% | 69.93% | 62.59% | 77.20% | +644 bps | |
| Non-Interest Burden | 1.89% | 1.98% | 1.75% | 1.53% | 2.08% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.91% | 2.70% | 5.09% | 1.85% | -2.91% | -200 bps | |
| Loan Growth (YoY) | 5.42% | 7.28% | 7.02% | 0.66% | 2.99% | -243 bps | |
| Deposit Growth (YoY) | 0.84% | 3.49% | 7.03% | 4.21% | -0.42% | -126 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 1.12% | 1.01% | 1.04% | 0.86% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | +3 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.86% | 0.86% | 0.87% | +7 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.8x | 0.8x | 1.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.89% | 12.57% | 12.46% | 12.86% | 13.39% | +50 bps | |
| Total Risk-Based Capital | 19.07% | 18.53% | 18.94% | 19.69% | 13.39% | -568 bps | |
| Equity / Assets | 13.70% | 13.27% | 13.32% | 13.95% | 14.53% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.19% | 97.29% | 94.28% | 96.17% | 101.55% | +336 bps | |
| Liquid Assets / Assets | 15.30% | 15.87% | 18.15% | 16.54% | 11.97% | -332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |