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Damariscotta Bank & Trust Co.

Damariscotta, ME · Cert 20931

FDIC · 6 branches

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Damariscotta Bank & Trust Co.

Damariscotta, ME · Cert 20931

FDIC · 6 branches

Q3 2020

$209.3MAssets
$124.0MLoans
$188.5MDeposits
$18.6MEquity
Loan mix
92%RE $104.4M7%C&I $7.4M1%Consumer $1.5MQ3 2019Q3 2020
Deposit mix
89%Interest-bearing $168.0M11%Noninterest $20.5MQ3 2019Q3 2020

NIM

3.58%Q3 ’183.93%Q3 ’193.15%Q3 ’20+1%-16%

Non-interest income vs. expense

2.86%Q3 ’183.11%Q3 ’192.99%Q3 ’20+9%-2%

Executive Summary

  • Earnings: ROA of 0.13%, down 48 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 2.83% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.94%, down 91 bps from a year ago.
  • Funding: loans stand at 65.76% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.13%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-52 bps YoY

Efficiency Ratio (YTD, annualized)

94.03%+1,181 bps YoY

Tier 1 Leverage Ratio

8.94%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.61%0.52%0.27%0.18%0.13%-48 bps
Return on Equity6.43%5.47%2.82%1.96%1.44%-499 bps
Net Interest Margin3.31%3.23%3.28%3.02%2.78%-52 bps
Efficiency Ratio82.22%85.20%89.47%92.79%94.03%+1,181 bps
Non-Interest Burden2.63%2.68%2.89%2.77%2.59%-4 bps
Growth
Asset Growth (YoY)-0.17%1.60%0.15%9.61%8.30%+847 bps
Loan Growth (YoY)-0.79%0.96%2.39%2.42%-0.65%+13 bps
Deposit Growth (YoY)-0.49%1.55%0.05%10.81%9.39%+988 bps
Asset Quality
Nonperforming Loans / Loans2.52%2.30%2.36%3.84%2.83%+31 bps
Net Charge-Offs / Loans0.00%0.04%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.89%0.90%0.91%0.94%+2 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.2x0.3x0.0x
Capital
Tier 1 Leverage Ratio9.85%9.61%9.44%9.25%8.94%-91 bps
Total Risk-Based Capital17.30%17.35%17.25%17.79%18.32%+102 bps
Equity / Assets9.72%9.39%9.50%9.07%8.90%-82 bps
Liquidity & Funding
Loans / Deposits72.42%70.15%72.92%68.47%65.76%-665 bps
Liquid Assets / Assets30.14%32.03%30.30%34.28%36.77%+663 bps
CRE / Total Capitaln/an/an/an/an/an/an/a