PackageTrendsPeer
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 4.85%, up 303 bps year over year; NIM at 0.01%.

Return on Assets (YTD, annualized)

4.85%+303 bps YoY

Net Interest Margin (YTD, annualized)

0.01%+15 bps YoY

Efficiency Ratio (YTD, annualized)

85.06%-1,078 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.17%Q4 ’070.77%Q4 ’080.01%Q4 ’09+32%+111%

Non-interest income vs. expense

56.94%Q4 ’0783.90%Q4 ’08415%Q4 ’09+73%-1832%

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets6.10%4.32%3.80%1.82%1.22%3.27%4.73%4.85%+303 bps
Return on Equity9.55%6.96%6.26%3.01%2.04%5.48%7.98%8.17%+516 bps
Net Interest Margin-0.15%-0.17%-0.17%-0.13%0.00%0.00%0.02%0.01%+15 bps
Efficiency Ratio84.49%90.47%91.83%95.85%90.00%83.86%82.20%85.06%-1,078 bps
Non-Interest Burden-9.88%-8.55%-8.00%-3.77%-4.79%-41.96%-69.92%-72.86%-6,909 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