FDIC Certificate #: 58317 Status: Active Federal Reserve ID: 3461264 Bank Holding Company (Regulatory Top Holder): Capitol Bancorp Ltd. (RSSDID: 1247334, Location: Lansing, MI) Date Established: October 02, 2006 WWW:http://www.bankofmaumee.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 18042 FDIC's unique #: 446070 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 02, 2006 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 3425 Briarfield Boulevard Suite 100, Maumee, OH 43537 County: Lucas Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Toledo, OH (#8400) Combined Statistical Area (CSA): Toledo-Fremont, OH (#534) Core Based Statistical Area (CBSA): Toledo, OH (#45780) CBSA Metro Statistical Area: Toledo, OH (#45780)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $33.5 mil Equity capital: $1.9 mil Deposits held in domestic offices: $31.6 mil Return on assets (ROA): -2.97% (-$1.0 mil) Quarterly return on assets: -2.55% (-$0.8 mil) Return on Equity (ROE): -44.75% (-$0.9 mil) Quarterly return on equity: -43.92% (-$0.9 mil) Net income: -$1.1 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -2.97% (-$994.8 mil) Quarterly Pretax return on assets: -2.55% (-$854.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
7Total employees (full-time equivalent)
$33,495Total assets
$7,334Cash and due from depository institutions
$6,639Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$25,250Net loans & leases
$1,084Loan loss allowance
$0Trading account assets
$302Bank premises and fixed assets
$94Other real estate owned
$7Goodwill and other intangibles
$33,495Life insurance assets
$508All other assets
$31,627Total liabilities and capital
$31,604Total liabilities
$25,506Total deposits
$31,604Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$23Subordinated debt
$1,868All other liabilities
$1,868Total equity capital
$1,868Total bank equity capital
$0Perpetual preferred stock
$4,750Common stock
$4,750Surplus
$-7,632Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$988Income earned, not collected on loans
$140Earning assets
$111Long-term assets (5+ years)
$31,889Average Assets, year-to-date
$0Average Assets, quarterly
$36,573Volatile liabilities
$34,059Insider loans
$24,702FHLB advances
$33,495Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,868Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,355Restructured Loans and leases
$1,807Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,759Total interest income
$358Total interest expense
$1,401Net interest income
$824Provision for loan and lease losses
$146Total noninterest income
$0Fiduciary activities
$63Service charges on deposit accounts
$0Trading account gains & fees
$83Additional noninterest income
$1,811Total noninterest expense
$575Salaries and employee benefits
$243Premises and equipment expense
$993Additional noninterest expense
-$1,088Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,088Income before extraordinary items
$0Extraordinary gains - net
-$1,088Net income attributable to bank
$0Net charge-offs
-$1,088Cash dividends
$1,167Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
1.03%Cost of funding earning assets
4.04%Net interest margin
0.42%Noninterest income to earning assets
5.22%Noninterest expense to earning assets
-2.97%Net operating income to assets
-2.97%Return on assets (ROA)
-2.97%Pretax return on assets
-44.75%Return on equity (ROE)
-44.75%Retained earnings to average equity (YTD only)
3.87%Net charge-offs to loans
70.61%Credit loss provision to net charge-offs
-0.23%Efficiency ratio
116,807Assets per employee
4.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.12%Loss allowance to noncurrent loans
109.72%Noncurrent assets plus other real estate owned to assets
3.23%Noncurrent loans to loans
3.75%Net loans and leases to deposits
79.89%Net loans and leases to core deposits
79.89%Equity capital to assets
5.58%Core capital (leverage) ratio
5.58%Tier 1 risk-based capital ratio
7.56%Total risk-based capital ratio
Memoranda
$9Average assets
$36,573Average earning assets
$2,431Average equity
$34,663Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
446070
Bank Of Maumee
3425 Briarfield Boulevard Suite 100, Maumee, OH 43537
October 02, 2006
Full Service Brick and Mortar
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