Putnam, CT · Charter 65801
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -1.11% | -1.02% | -1.60% | -1.03% | -1.34% | -1.85% | -1.93% | -33 bps | |
| Return on Equity | -6.50% | -9.63% | -9.22% | -15.16% | -9.90% | -12.89% | -17.85% | -22.65% | -749 bps | |
| Net Interest Margin | 4.20% | 4.24% | 4.00% | 3.44% | 3.50% | 3.62% | 3.79% | 2.78% | -66 bps | |
| Efficiency Ratio | 114.81% | 124.62% | 125.72% | 150.39% | 129.05% | 128.63% | 131.39% | 165.34% | +1,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.81% | -21.55% | -12.71% | -1.54% | -0.02% | 0.13% | -9.62% | 3.10% | +464 bps | |
| Loan Growth (YoY) | -17.38% | -18.40% | -23.98% | -9.23% | -3.26% | -2.22% | -6.14% | -18.08% | -885 bps | |
| Share Growth (YoY) | -24.33% | -22.72% | -12.97% | -0.36% | 1.28% | 1.42% | -8.94% | 5.43% | +578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.01% | 0.97% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.27% | 1.27% | 1.13% | 1.21% | 1.73% | 2.76% | 3.05% | +192 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.55% | 11.52% | 11.02% | 10.54% | 10.40% | 10.38% | 10.35% | 8.52% | -202 bps | |
| Net Worth / Assets | 11.55% | 11.52% | 11.02% | 10.54% | 10.40% | 10.38% | 10.35% | 8.52% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.79% | 52.71% | 49.36% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |