Call reports 2005
MERCHANTS BANK OF BANGOR — 2005
What MERCHANTS BANK OF BANGOR 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 | 260,339,000 | 271,730,000 | 273,876,000 | 272,148,000 |
| Total loans | 117,974,000 | 122,658,000 | 125,395,000 | 125,164,000 |
| Allowance for loan losses | 1,187,000 | 1,171,000 | 1,223,000 | 1,283,000 |
| Securities available for sale | 93,577,000 | 97,631,000 | 97,958,000 | 102,454,000 |
| Securities held to maturity | 25,347,000 | 24,785,000 | 24,146,000 | 23,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,313,000 | 189,887,000 | 195,288,000 | 191,704,000 |
| Interest-bearing deposits | 164,423,000 | 166,419,000 | 170,168,000 | 168,171,000 |
| Noninterest-bearing deposits | 20,890,000 | 23,468,000 | 25,120,000 | 23,533,000 |
| Equity capital | 25,577,000 | 26,261,000 | 25,697,000 | 25,075,000 |
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 | 3,016,000 | 6,204,000 | 9,456,000 | 12,848,000 |
| Interest expense | 1,245,000 | 2,615,000 | 4,038,000 | 5,564,000 |
| Net interest income | 1,771,000 | 3,589,000 | 5,418,000 | 7,284,000 |
| Noninterest income | 468,000 | 932,000 | 1,418,000 | 1,974,000 |
| Noninterest expense | 1,635,000 | 3,359,000 | 5,009,000 | 6,810,000 |
| Provision for loan losses | 20,000 | 43,000 | 102,000 | 156,000 |
| Pretax income | 601,000 | 1,136,000 | 1,740,000 | 2,307,000 |
| Income tax | 127,000 | 231,000 | 359,000 | 483,000 |
| Net income | 474,000 | 905,000 | 1,381,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,159,000 | 26,323,000 | 26,037,000 | 25,937,000 |
| Total capital | 27,346,000 | 27,494,000 | 27,260,000 | 27,220,000 |
| Risk-weighted assets | 146,250,000 | 152,079,000 | 153,683,000 | 150,973,000 |