Maumee, OH · Cert 58317
FDIC · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Maumee, OH · Cert 58317
FDIC · 1 branch
Q3 2019
Market Position · Toledo, OH · 2019 SOD (annual) · 0.2% share · #19 of 27 inst. · $0.0B of $12.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -8.79% | -7.45% | -8.57% | -7.90% | -11.06% | -6.65% | -7.01% | +155 bps | |
| Return on Equity | -12.44% | -127.99% | -116.00% | -140.08% | -133.68% | -314% | -214% | -274% | -13,424 bps | |
| Net Interest Margin | 3.06% | 3.36% | 3.48% | 3.83% | 3.93% | 3.35% | 3.23% | 3.20% | -63 bps | |
| Efficiency Ratio | 101.18% | 115.95% | 115.60% | 123.19% | 124.89% | 165.19% | 135.99% | 145.53% | +2,234 bps | |
| Non-Interest Burden | 3.57% | 11.14% | 10.58% | 12.84% | 12.67% | 13.17% | 9.28% | 9.64% | -320 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.53% | -10.17% | -18.89% | -26.46% | -35.99% | -26.02% | -13.76% | -19.92% | +654 bps | |
| Loan Growth (YoY) | 2.73% | -19.91% | -14.45% | -41.63% | -44.44% | -39.08% | -41.26% | -27.15% | +1,448 bps | |
| Deposit Growth (YoY) | 7.67% | -7.80% | -14.05% | -21.91% | -29.62% | -22.94% | -8.68% | -15.62% | +629 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.41% | 7.13% | 5.58% | 7.11% | 9.47% | 6.40% | 4.20% | 3.51% | -360 bps | |
| Net Charge-Offs / Loans | 0.95% | 0.07% | 1.77% | -0.32% | -0.27% | 15.45% | 7.93% | 6.22% | +654 bps | |
| Allowance / Loans | 2.39% | 3.31% | 2.62% | 5.26% | 5.48% | 2.82% | 2.90% | 3.27% | -198 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.7x | 0.6x | 0.4x | 0.7x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.49% | 5.81% | 5.07% | 4.82% | 4.61% | 2.16% | 2.41% | 0.61% | -420 bps | |
| Total Risk-Based Capital | 16.02% | 13.63% | 10.46% | 11.49% | 10.10% | 5.44% | 6.06% | 2.63% | -887 bps | |
| Equity / Assets | 7.33% | 6.33% | 5.35% | 4.99% | 4.84% | 2.18% | 2.32% | 0.68% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.28% | 77.60% | 85.91% | 63.38% | 67.33% | 61.34% | 55.26% | 54.72% | -866 bps | |
| Liquid Assets / Assets | 23.49% | 25.64% | 17.71% | 35.62% | 31.80% | 30.22% | 39.44% | 34.54% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |