Call reports 2005
MAINE COMMUNITY BANK — 2005
What MAINE COMMUNITY BANK 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 | 228,474,000 | 232,572,000 | 242,726,000 | 244,090,000 |
| Total loans | 165,989,000 | 171,348,000 | 172,485,000 | 179,805,000 |
| Allowance for loan losses | 600,000 | 633,000 | 633,000 | 634,000 |
| Securities available for sale | 50,366,000 | 48,580,000 | 57,720,000 | 51,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,004,000 | 180,875,000 | 191,674,000 | 190,558,000 |
| Interest-bearing deposits | 167,637,000 | 173,551,000 | 184,397,000 | 181,722,000 |
| Noninterest-bearing deposits | 6,367,000 | 7,324,000 | 7,277,000 | 8,836,000 |
| Equity capital | 27,062,000 | 27,638,000 | 27,739,000 | 27,661,000 |
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 | 2,927,000 | 5,908,000 | 9,056,000 | 12,328,000 |
| Interest expense | 1,046,000 | 2,153,000 | 3,413,000 | 4,743,000 |
| Net interest income | 1,881,000 | 3,755,000 | 5,643,000 | 7,585,000 |
| Noninterest income | 66,000 | 124,000 | 204,000 | 268,000 |
| Noninterest expense | 1,543,000 | 3,130,000 | 4,706,000 | 6,304,000 |
| Provision for loan losses | 79,000 | 112,000 | 112,000 | 121,000 |
| Pretax income | 334,000 | 646,000 | 1,038,000 | 1,433,000 |
| Income tax | 105,000 | 204,000 | 326,000 | 445,000 |
| Net income | 229,000 | 442,000 | 712,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,132,000 | 27,347,000 | 27,618,000 | 27,896,000 |
| Total capital | 27,852,000 | 28,118,000 | 28,386,000 | 28,661,000 |
| Risk-weighted assets | 132,321,000 | 136,230,000 | 139,583,000 | 140,052,000 |