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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.80% | 0.82% | 0.74% | 0.70% | 0.71% | 0.78% | 0.54% | -20 bps | |
| Return on Equity | 4.99% | 5.96% | 6.08% | 5.42% | 5.20% | 5.24% | 5.74% | 3.80% | -162 bps | |
| Net Interest Margin | 2.74% | 2.78% | 2.81% | 2.89% | 2.88% | 2.80% | 2.82% | 2.87% | -2 bps | |
| Efficiency Ratio | 72.75% | 72.99% | 72.00% | 70.75% | 71.89% | 71.22% | 69.07% | 77.20% | +644 bps | |
| Non-Interest Burden | 1.83% | 1.87% | 1.86% | 1.89% | 1.92% | 1.83% | 1.77% | 2.08% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | -1.64% | -2.22% | -0.91% | 2.70% | 5.09% | 1.85% | -2.91% | -200 bps | |
| Loan Growth (YoY) | 13.65% | 4.91% | 8.53% | 5.42% | 7.28% | 7.02% | 0.66% | 2.99% | -243 bps | |
| Deposit Growth (YoY) | 2.30% | 1.36% | 1.65% | 0.84% | 3.49% | 7.03% | 4.21% | -0.42% | -126 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.15% | 1.05% | 1.03% | 1.12% | 1.01% | 1.04% | 0.86% | -17 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.19% | -0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 0.83% | 0.83% | 0.77% | 0.80% | 0.80% | 0.86% | 0.86% | 0.87% | +7 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 0.8x | 0.7x | 0.8x | 0.8x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 12.72% | 12.75% | 12.89% | 12.57% | 12.46% | 12.86% | 13.39% | +50 bps | |
| Total Risk-Based Capital | 19.05% | 19.74% | 18.81% | 19.07% | 18.53% | 18.94% | 19.69% | 13.39% | -568 bps | |
| Equity / Assets | 13.34% | 13.75% | 13.55% | 13.70% | 13.27% | 13.32% | 13.95% | 14.53% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.84% | 94.29% | 99.56% | 98.19% | 97.29% | 94.28% | 96.17% | 101.55% | +336 bps | |
| Liquid Assets / Assets | 16.62% | 17.12% | 13.77% | 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 | n/a | n/a | n/a |