Home > Putnam Fiduciary Trust Company > Performance and Condition Ratios
Putnam Fiduciary Trust Company, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0043% | 8,012 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 0.0043% | 8,005 |
| Noninterest income to average assets | 51.8977% | 24 |
| Noninterest expense to average assets | 44.1465% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 4.8477% | 28 |
| Return on assets (ROA) | 4.8477% | 27 |
| Pretax return on assets | 7.7527% | 25 |
| Return on Equity (ROE) | 8.1662% | 2,300 |
| Retained earnings to average equity (ytd only) | 8.1662% | 657 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0619% | 2,218 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 8,021 |
| Equity capital to assets | 61.3020% | 42 |
| Core capital (leverage) ratio | 71.3820% | 35 |
| Tier 1 risk-based capital ratio | 60.1098% | 113 |
| Total risk-based capital ratio | 60.1098% | 118 |
| Memoranda: | ||
| Average total assets | $65,783,200 | 6,146 |
| Average earning assets | $22,988,600 | 7,614 |
| Average equity | $39,051,000 | 1,715 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0046% | 8,098 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.0046% | 8,091 |
| Noninterest income to average assets | 40.9239% | 31 |
| Noninterest expense to average assets | 33.6423% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 4.7336% | 31 |
| Return on assets (ROA) | 4.7336% | 32 |
| Pretax return on assets | 7.2833% | 30 |
| Return on Equity (ROE) | 7.9806% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.9806% | 1,143 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2035% | 2,555 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 8,108 |
| Equity capital to assets | 42.4517% | 69 |
| Core capital (leverage) ratio | 39.2429% | 75 |
| Tier 1 risk-based capital ratio | 42.4517% | 241 |
| Total risk-based capital ratio | 42.4517% | 258 |
| Memoranda: | ||
| Average total assets | $80,163,000 | 5,759 |
| Average earning assets | $28,735,750 | 7,474 |
| Average equity | $47,547,250 | 1,439 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,193 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.0000% | 8,180 |
| Noninterest income to average assets | 31.1739% | 36 |
| Noninterest expense to average assets | 26.1428% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.2710% | 48 |
| Return on assets (ROA) | 3.2710% | 52 |
| Pretax return on assets | 5.0311% | 39 |
| Return on Equity (ROE) | 5.4763% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.4763% | 2,255 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8612% | 2,490 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.9692% | 8,170 |
| Equity capital to assets | 56.5792% | 53 |
| Core capital (leverage) ratio | 45.5185% | 69 |
| Tier 1 risk-based capital ratio | 61.4662% | 132 |
| Total risk-based capital ratio | 61.4662% | 135 |
| Memoranda: | ||
| Average total assets | $104,311,670 | 5,039 |
| Average earning assets | $38,314,330 | 7,117 |
| Average equity | $62,304,330 | 1,091 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,247 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.0000% | 8,233 |
| Noninterest income to average assets | 18.7352% | 45 |
| Noninterest expense to average assets | 16.8625% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2177% | 1,608 |
| Return on assets (ROA) | 1.2177% | 1,713 |
| Pretax return on assets | 1.8727% | 855 |
| Return on Equity (ROE) | 2.0351% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0351% | 4,728 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0042% | 1,718 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1888% | 8,226 |
| Equity capital to assets | 69.2985% | 41 |
| Core capital (leverage) ratio | 18.3436% | 518 |
| Tier 1 risk-based capital ratio | 117.1031% | 61 |
| Total risk-based capital ratio | 117.1031% | 61 |
| Memoranda: | ||
| Average total assets | $151,436,500 | 3,987 |
| Average earning assets | $56,971,500 | 6,380 |
| Average equity | $90,610,000 | 732 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0938% | 8,215 |
| Cost of funding earning assets | 2.4612% | 4,418 |
| Net interest margin | -0.3675% | 8,304 |
| Noninterest income to average assets | 71.0961% | 21 |
| Noninterest expense to average assets | 68.0380% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8169% | 541 |
| Return on assets (ROA) | 1.8169% | 514 |
| Pretax return on assets | 2.9488% | 100 |
| Return on Equity (ROE) | 3.0062% | 5,235 |
| Retained earnings to average equity (ytd only) | -14.2308% | 7,413 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8460% | 1,165 |
| Assets per employee ($millions) | 0.3559% | 8,263 |
| Cash dividends to net income (ytd only)* | 573.3870% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1741% | 8,304 |
| Equity capital to assets | 59.3169% | 58 |
| Core capital (leverage) ratio | 20.4181% | 413 |
| Tier 1 risk-based capital ratio | 32.8211% | 515 |
| Total risk-based capital ratio | 32.8211% | 560 |
| Memoranda: | ||
| Average total assets | $342,070,800 | 1,942 |
| Average earning assets | $101,778,600 | 4,757 |
| Average equity | $206,742,400 | 363 |
| Average total loans | NA | NA |