Call reports 2012
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2012
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,182,000 | 75,958,000 | 75,787,000 | 76,023,000 |
| Total loans | 48,571,000 | 49,926,000 | 50,671,000 | 50,999,000 |
| Allowance for loan losses | 545,000 | 581,000 | 607,000 | 613,000 |
| Securities available for sale | 9,582,000 | 9,440,000 | 9,498,000 | 8,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,498,000 | 68,882,000 | 68,463,000 | 68,580,000 |
| Interest-bearing deposits | 70,498,000 | 68,882,000 | 68,463,000 | 68,580,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 5,681,000 | 5,906,000 | 6,136,000 | 6,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 791,000 | 1,589,000 | 2,397,000 | 3,208,000 |
| Interest expense | 346,000 | 679,000 | 1,004,000 | 1,314,000 |
| Net interest income | 445,000 | 910,000 | 1,393,000 | 1,894,000 |
| Noninterest income | 3,000 | 22,000 | 37,000 | 57,000 |
| Noninterest expense | 209,000 | 422,000 | 641,000 | 897,000 |
| Provision for loan losses | 36,000 | 72,000 | 98,000 | 104,000 |
| Pretax income | 203,000 | 438,000 | 691,000 | 950,000 |
| Income tax | 68,000 | 148,000 | 229,000 | 292,000 |
| Net income | 135,000 | 290,000 | 462,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,489,000 | 5,646,000 | 5,816,000 | 6,013,000 |
| Total capital | 5,870,000 | 6,045,000 | 6,225,000 | 6,423,000 |
| Risk-weighted assets | 40,345,000 | 41,518,000 | 32,526,000 | 32,614,000 |