Call reports 2005
FIRST NATIONAL BANK OF BANGOR, THE — 2005
What FIRST NATIONAL BANK OF BANGOR, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 169,206,000 | 173,694,000 | 177,137,000 | 181,598,000 |
| Total loans | 118,633,000 | 124,104,000 | 128,633,000 | 131,547,000 |
| Allowance for loan losses | 1,845,000 | 1,904,000 | 1,927,000 | 1,957,000 |
| Securities available for sale | 28,423,000 | 28,497,000 | 28,352,000 | 28,166,000 |
| Securities held to maturity | 17,920,000 | 16,918,000 | 16,915,000 | 16,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,236,000 | 129,576,000 | 132,678,000 | 142,561,000 |
| Interest-bearing deposits | 116,111,000 | 113,506,000 | 116,722,000 | 123,726,000 |
| Noninterest-bearing deposits | 18,125,000 | 16,070,000 | 15,956,000 | 18,835,000 |
| Equity capital | 27,283,000 | 27,954,000 | 28,640,000 | 28,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,283,000 | 4,678,000 | 7,370,000 | 10,031,000 |
| Interest expense | 612,000 | 1,342,000 | 2,231,000 | 3,220,000 |
| Net interest income | 1,671,000 | 3,336,000 | 5,139,000 | 6,811,000 |
| Noninterest income | 111,000 | 223,000 | 347,000 | 453,000 |
| Noninterest expense | 453,000 | 899,000 | 1,378,000 | 1,862,000 |
| Provision for loan losses | 99,000 | 152,000 | 182,000 | 212,000 |
| Pretax income | 1,230,000 | 2,615,000 | 4,033,000 | 5,297,000 |
| Income tax | 465,000 | 1,001,000 | 1,647,000 | 2,143,000 |
| Net income | 765,000 | 1,614,000 | 2,386,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,564,000 | 28,113,000 | 28,885,000 | 29,353,000 |
| Total capital | 29,127,000 | 29,692,000 | 30,522,000 | 30,807,000 |
| Risk-weighted assets | 122,315,000 | 125,966,000 | 130,623,000 | 131,352,000 |