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Letter portraitLegal landscapeQuarterYTD

Maine Bank & Trust Company

Portland, ME · Cert 33525

FDIC

Q4 2008

$430.3MAssets
$304.9MLoans
$279.1MDeposits
n/aEquity
Loan mix
81%RE $206.7M19%C&I $48.4M0%Consumer $0.4MQ4 2007Q4 2008
Deposit mix
78%Interest-bearing $218.9M22%Noninterest $63.2MQ4 2007Q4 2008

NIM

6.15%Q4 ’066.46%Q4 ’07+3%

Non-interest income vs. expense

3.96%Q4 ’064.09%Q4 ’07-2%

Executive Summary

  • Earnings: ROA of 0.79%, down 60 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 109.25% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

0.79%-60 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.39%0.61%0.85%0.82%0.79%-60 bps
Return on Equity10.47%n/an/an/an/an/a
Net Interest Margin4.83%n/an/an/an/an/a
Efficiency Ratio63.91%n/an/an/an/an/a
Non-Interest Burden2.52%n/an/an/an/an/a
Growth
Asset Growth (YoY)1.12%13.93%14.09%8.96%10.59%+947 bps
Loan Growth (YoY)7.15%5.50%0.91%-3.17%-1.09%-824 bps
Deposit Growth (YoY)-11.88%-8.72%-8.51%-8.70%-1.07%+1,081 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%n/an/an/an/an/a
Allowance / Loans1.44%n/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.03%n/an/an/an/an/a
Equity / Assets12.90%n/an/an/an/an/a
Liquidity & Funding
Loans / Deposits109.27%108.67%105.86%104.15%109.25%-2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a