Call reports 2013
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2013
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 76,605,000 | 76,023,000 | 80,525,000 | 81,934,000 |
| Total loans | 52,903,000 | 55,310,000 | 57,992,000 | 61,757,000 |
| Allowance for loan losses | 619,000 | 625,000 | 631,000 | 631,000 |
| Securities available for sale | 8,574,000 | 7,792,000 | 7,798,000 | 7,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,155,000 | 66,802,000 | 69,245,000 | 70,628,000 |
| Interest-bearing deposits | 69,155,000 | 66,802,000 | 69,245,000 | 70,628,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 6,416,000 | 6,400,000 | 6,579,000 | 6,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,553,000 | 2,353,000 | 3,179,000 |
| Interest expense | 285,000 | 582,000 | 882,000 | 1,205,000 |
| Net interest income | 487,000 | 971,000 | 1,471,000 | 1,974,000 |
| Noninterest income | 2,000 | 2,000 | 6,000 | 19,000 |
| Noninterest expense | 220,000 | 441,000 | 678,000 | 1,021,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 18,000 |
| Pretax income | 263,000 | 520,000 | 781,000 | 954,000 |
| Income tax | 77,000 | 154,000 | 231,000 | 255,000 |
| Net income | 186,000 | 366,000 | 550,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,194,000 | 6,378,000 | 6,563,000 | 6,724,000 |
| Total capital | 6,614,000 | 6,823,000 | 7,016,000 | 7,202,000 |
| Risk-weighted assets | 41,522,000 | 35,389,000 | 36,091,000 | 38,119,000 |