Click on a city name to explore the city. Please notice that cities crossing county lines will be listed multiple times (for each county).
Maine at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-3.7%
|
-3.9%
|
-1.3%
|
-3.6%
|
-0.1%
|
|
Manufacturing (9%)
|
-9.4%
|
-11.9%
|
-3.9%
|
-10.6%
|
-1.1%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
-14.4%
|
-13.6%
|
-7.4%
|
-14.3%
|
-4.6%
|
|
Private Service-Producing (69%)
|
-2.7%
|
-2.6%
|
-0.7%
|
-2.5%
|
0.4%
|
|
Government (17%)
|
-1.4%
|
-1.5%
|
-0.1%
|
-0.9%
|
0.2%
|
|
Unemployment Rate (% of labor force)
|
8.1%
|
8.2%
|
6.4%
|
8.0%
|
5.4%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Single-Family Home Permits
|
16.2%
|
-6.0%
|
-40.2%
|
-12.9%
|
-43.3%
|
|
Multifamily Building Permits
|
-47.1%
|
-51.5%
|
-42.4%
|
-72.7%
|
-7.6%
|
|
Home Price Index
|
-4.4%
|
-3.4%
|
-3.0%
|
-3.4%
|
-0.6%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.59
|
2.99
|
2.27
|
2.75
|
2.17
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Institutions (#)
|
29
|
29
|
31
|
29
|
31
|
|
Total Assets (in millions)
|
27,704
|
51,449
|
40,197
|
27,704
|
40,197
|
|
New Institutions (# < 3 years)
|
0
|
0
|
0
|
0
|
0
|
|
Subchapter S Institutions
|
0
|
0
|
0
|
0
|
0
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.22
|
2.87
|
2.67
|
3.22
|
2.67
|
|
Noncurrent Loans / Total Loans (median %)
|
1.81
|
1.65
|
1.25
|
1.81
|
1.25
|
|
ALLL/Total Loans (median %)
|
1.18
|
1.14
|
1.10
|
1.18
|
1.10
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.64
|
0.67
|
0.93
|
0.64
|
0.93
|
|
Net Loan Losses / Total Loans (median %)
|
0.27
|
0.29
|
0.17
|
0.25
|
0.16
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Tier 1 Leverage (median %)
|
9.45
|
9.22
|
8.77
|
9.45
|
8.77
|
|
Return on Assets (median %)
|
0.57
|
0.45
|
0.31
|
0.43
|
0.32
|
|
Pretax Return on Assets (median %)
|
0.79
|
0.60
|
0.33
|
0.59
|
0.42
|
|
Net Interest Margin (median %)
|
3.67
|
3.60
|
3.49
|
3.58
|
3.58
|
|
Yield on Earning Assets (median %)
|
5.58
|
5.44
|
6.07
|
5.54
|
6.22
|
|
Cost of Funding Earning Assets (median %)
|
1.83
|
2.01
|
2.53
|
2.08
|
2.87
|
|
Provisions to Avg. Assets (median %)
|
0.35
|
0.40
|
0.31
|
0.32
|
0.20
|
|
Noninterest Income to Avg. Assets (median %)
|
0.62
|
0.65
|
0.48
|
0.64
|
0.54
|
|
Overhead to Avg. Assets (median %)
|
2.96
|
2.91
|
2.73
|
2.95
|
2.92
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Net Loans to Assets (median %)
|
79.4
|
77.2
|
80.5
|
79.4
|
80.5
|
|
Noncore Funding to Assets (median %)
|
30.4
|
28.7
|
31.7
|
30.4
|
31.7
|
|
Long-term Assets to Assets (median %, call filers)
|
45.2
|
46.8
|
46.7
|
45.2
|
46.7
|
|
Brokered Deposits (number of institutions)
|
21
|
22
|
17
|
21
|
17
|
|
Brokered Deposits to Assets (median % for those above)
|
4.0
|
3.3
|
5.2
|
4.0
|
5.2
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Commercial and Industrial
|
48.5
|
45.1
|
44.6
|
48.5
|
44.6
|
|
Commercial Real Estate
|
227.6
|
220.4
|
218.4
|
227.6
|
218.4
|
|
Construction & Development
|
30.6
|
28.0
|
28.0
|
30.6
|
28.0
|
|
Multifamily Residential Real Estate
|
9.8
|
9.6
|
10.8
|
9.8
|
10.8
|
|
Nonresidential Real Estate
|
172.9
|
170.9
|
183.2
|
172.9
|
183.2
|
|
Residential Real Estate
|
471.1
|
455.4
|
448.6
|
471.1
|
448.6
|
|
Consumer
|
16.9
|
17.8
|
17.5
|
16.9
|
17.5
|
|
Agriculture
|
1.3
|
1.3
|
1.3
|
1.3
|
1.3
|
| |
|
|
|
|
|
|
BANKING PROFILE
|