Putnam, CT · Charter 65801
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 · Charter 65801
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -1.03% | -1.34% | -1.85% | -1.93% | -33 bps | |
| Return on Equity | -15.16% | -9.90% | -12.89% | -17.85% | -22.65% | -749 bps | |
| Net Interest Margin | 3.44% | 3.50% | 3.62% | 3.79% | 2.78% | -66 bps | |
| Efficiency Ratio | 150.39% | 129.05% | 128.63% | 131.39% | 165.34% | +1,494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.54% | -0.02% | 0.13% | -9.62% | 3.10% | +464 bps | |
| Loan Growth (YoY) | -9.23% | -3.26% | -2.22% | -6.14% | -18.08% | -885 bps | |
| Share Growth (YoY) | -0.36% | 1.28% | 1.42% | -8.94% | 5.43% | +578 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.63% | 3.25% | 3.41% | 4.60% | +436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.21% | 1.73% | 2.76% | 3.05% | +192 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.54% | 10.40% | 10.38% | 10.35% | 8.52% | -202 bps | |
| Net Worth / Assets | 10.54% | 10.40% | 10.38% | 10.35% | 8.52% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.44% | 50.43% | 50.82% | 50.87% | 39.97% | -1,147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |