Putnam, CT · Cert 2521
FDIC · 5 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Putnam, CT · Cert 2521
FDIC · 5 branches
Q1 2015
Market Position · Worcester, MA-CT · 2014 SOD (annual) · 1.9% share · #18 of 43 inst. · $0.3B of $15.4B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.57% | 0.61% | 0.83% | 0.68% | 0.67% | 0.64% | 0.59% | -25 bps | |
| Return on Equity | 5.09% | 5.73% | 6.23% | 9.19% | 6.81% | 6.46% | 5.88% | 4.69% | -450 bps | |
| Net Interest Margin | 2.42% | 2.32% | 2.40% | 2.76% | 2.92% | 2.98% | 2.96% | 2.67% | -9 bps | |
| Efficiency Ratio | 76.97% | 75.28% | 74.03% | 63.44% | 71.82% | 72.30% | 76.01% | 77.51% | +1,407 bps | |
| Non-Interest Burden | 1.76% | 1.65% | 1.67% | 1.60% | 1.95% | 2.00% | 2.11% | 1.94% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.94% | 9.89% | 13.60% | 12.03% | -16.36% | -17.27% | -17.93% | -16.90% | -2,893 bps | |
| Loan Growth (YoY) | 4.03% | 3.87% | 11.67% | 11.30% | 19.19% | 19.09% | 12.06% | 6.07% | -523 bps | |
| Deposit Growth (YoY) | 20.02% | 24.48% | 27.09% | 22.08% | 13.32% | 9.94% | 9.05% | 9.98% | -1,210 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.19% | 0.22% | 0.06% | 0.35% | 0.20% | 0.23% | 0.53% | +47 bps | |
| Allowance / Loans | 2.49% | 2.35% | 2.14% | 2.16% | 1.89% | 1.89% | 1.76% | 1.77% | -39 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.81% | n/a | n/a |
| Total Risk-Based Capital | 21.73% | 21.27% | 21.04% | 21.40% | 22.34% | 22.42% | 21.92% | 25.60% | +420 bps | |
| Equity / Assets | 9.37% | 8.72% | 8.77% | 9.37% | 12.00% | 12.22% | 12.56% | 12.53% | +317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.36% | 38.82% | 42.57% | 41.98% | 41.40% | 42.05% | 43.75% | 40.49% | -149 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 0.09% | 0.09% | 0.11% | 0.11% | 0.11% | 0.01% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |