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Letter portraitLegal landscapeQuarterYTD

Putnam Fiduciary Trust Company

Boston, MA · Cert 24206

FDIC

Q4 2009

$8.3MAssets
n/aLoans
n/aDeposits
$5.1MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q1 2008Q4 2009

Executive Summary

  • Earnings: ROA of 17.17%, up 2,264 bps year over year; NIM at 0.00%.

Return on Assets (quarter, annualized)

17.17%+2,264 bps YoY

Net Interest Margin (quarter, annualized)

0.00%+6 bps YoY

Efficiency Ratio (quarter, annualized)

92.44%-1,859 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.13%Q4 ’070.03%Q4 ’080.00%Q4 ’09+67%+100%

Non-interest income vs. expense

54.10%Q4 ’0781.28%Q4 ’08504%Q4 ’09+192%-614%

Discrete quarter, annualized.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets6.10%1.75%2.83%-5.47%1.22%38.69%51.30%17.17%+2,264 bps
Return on Equity9.55%2.89%5.09%-9.53%2.04%60.15%101.68%32.89%+4,243 bps
Net Interest Margin-0.15%-0.13%-0.12%-0.06%0.00%0.00%0.05%0.00%+6 bps
Efficiency Ratio84.49%96.74%94.70%111.03%90.00%79.11%78.97%92.44%-1,859 bps
Non-Interest Burden-9.88%-2.93%-5.03%8.02%-4.79%-61.25%-84.04%-41.21%-4,923 bps
Growth
Asset Growth (YoY)14.54%-31.07%-33.04%-32.16%-96.48%-96.24%-97.31%-97.12%-6,496 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%-100.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital40.63%8.89%15.48%32.82%117.10%61.47%42.45%60.11%+2,729 bps
Equity / Assets63.05%55.93%55.41%59.32%69.30%56.58%42.45%61.30%+199 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%n/an/an/a
Liquid Assets / Assets0.11%0.19%0.17%8.88%51.02%9.94%0.00%0.00%-888 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a