             |
Consolidated
Statement of Condition
Mascoma Mutual Holding Corporation and Mascoma Savings Bank
| ASSETS |
September 30, 200 5 |
September 30, 2004 |
|
|
|
| Cash
and Cash Equivalents |
$17,160,112 |
$13,125,789 |
| U.S.
Government Securities and Obligations |
79,603,932 |
83,157,034 |
| Other
Investments |
17,399,585 |
13,162,520 |
| Real
Estate Mortgage Loans |
532,073,239 |
505,254,169 |
| Consumer
and Other Loans |
67,204,046 |
68,526,3807 |
| |
|
|
| Total
Loans |
599,277,285 |
573,780,548 |
| Less:
Allowance for Loan Losses |
(7,804,743) |
(7,028,035) |
| |
|
|
| Net
Loans |
591,472,542 |
566,752,513 |
| Bank
Building and Equipment |
19,709,134 |
20,259,737 |
| Other
Assets |
25,104,792 |
23,399,316 |
| |
|
|
| TOTAL
ASSETS |
$750,450,098 |
$719,856,908 |
|
|
|
| LIABILITIES |
|
|
|
|
|
| Demand
and NOW Deposits |
$158,289,545 |
$146,026,438 |
| Savings,
Time and Other Deposits |
392,808,106 |
391,815,911 |
| |
|
|
| TOTAL
DEPOSITS |
551,097,651 |
537,842,348 |
|
|
|
| Sweep
Accounts |
56,578,348 |
54,789,208 |
| FHLB
Borrowings |
67,570,767 |
57,734,231 |
| |
|
|
| TOTAL
BORROWINGS |
124,149,115 |
112,523,439 |
|
|
|
| Other
Liabilities |
5,936,374 |
4,766,548 |
| |
|
|
| TOTAL
LIABILITIES |
681,183,140 |
655,132,336 |
|
|
|
| CAPITAL |
|
|
|
|
|
| Retained
Earnings/Surplus |
69,513,490 |
64,131,435 |
Unrealized
Gain/(Loss)
on Investments, Net |
(246,532) |
593,137 |
| |
|
|
| TOTAL
CAPITAL |
69,266,958 |
64,724,572 |
TOTAL
LIABILITIES
AND CAPITAL
FUNDS |
$750,450,098 |
$719,856,908 |
| |
