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Bank of Maumee

Maumee, OH · Cert 58317

FDIC · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Bank of Maumee

Maumee, OH · Cert 58317

FDIC · 1 branch

Q3 2019

$23.3MAssets
$12.5MLoans
$22.9MDeposits
$159KEquity
Loan mix
48%RE $4.9M43%C&I $4.4M8%Consumer $0.9MQ3 2018Q3 2019
Deposit mix
81%Interest-bearing $18.5M19%Noninterest $4.4MQ3 2018Q3 2019

NIM

3.67%Q3 ’174.40%Q3 ’184.09%Q3 ’19+20%-17%

Non-interest income vs. expense

41.90%Q3 ’1747.85%Q3 ’1820.59%Q3 ’19+337%-25%

Market Position · Toledo, OH · 2019 SOD (annual) · 0.2% share · #19 of 27 inst. · $0.0B of $12.3B

Executive Summary

  • Earnings: ROA of -7.01%, up 155 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 3.51% of loans (-360 bps YoY), with net charge-offs at 6.22%.
  • Capital: tier 1 leverage ratio of 0.61%, down 420 bps from a year ago.
  • Funding: loans stand at 54.72% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-7.01%+155 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-63 bps YoY

Efficiency Ratio (YTD, annualized)

145.53%+2,234 bps YoY

Tier 1 Leverage Ratio

0.61%-420 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-8.57%-7.90%-11.06%-6.65%-7.01%+155 bps
Return on Equity-140.08%-133.68%-314%-214%-274%-13,424 bps
Net Interest Margin3.83%3.93%3.35%3.23%3.20%-63 bps
Efficiency Ratio123.19%124.89%165.19%135.99%145.53%+2,234 bps
Non-Interest Burden12.84%12.67%13.17%9.28%9.64%-320 bps
Growth
Asset Growth (YoY)-26.46%-35.99%-26.02%-13.76%-19.92%+654 bps
Loan Growth (YoY)-41.63%-44.44%-39.08%-41.26%-27.15%+1,448 bps
Deposit Growth (YoY)-21.91%-29.62%-22.94%-8.68%-15.62%+629 bps
Asset Quality
Nonperforming Loans / Loans7.11%9.47%6.40%4.20%3.51%-360 bps
Net Charge-Offs / Loans-0.32%-0.27%15.45%7.93%6.22%+654 bps
Allowance / Loans5.26%5.48%2.82%2.90%3.27%-198 bps
Allowance Coverage of NPLs0.7x0.6x0.4x0.7x0.9x+0.2x
Capital
Tier 1 Leverage Ratio4.82%4.61%2.16%2.41%0.61%-420 bps
Total Risk-Based Capital11.49%10.10%5.44%6.06%2.63%-887 bps
Equity / Assets4.99%4.84%2.18%2.32%0.68%-430 bps
Liquidity & Funding
Loans / Deposits63.38%67.33%61.34%55.26%54.72%-866 bps
Liquid Assets / Assets35.62%31.80%30.22%39.44%34.54%-107 bps
CRE / Total Capitaln/an/an/an/an/an/an/a