Call reports 2014
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2014
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,466,000 | 86,125,000 | 87,531,000 | 88,373,000 |
| Total loans | 65,886,000 | 68,163,000 | 70,216,000 | 72,162,000 |
| Allowance for loan losses | 618,000 | 648,000 | 672,000 | 687,000 |
| Securities available for sale | 6,942,000 | 6,638,000 | 6,677,000 | 6,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,202,000 | 72,679,000 | 73,990,000 | 74,524,000 |
| Interest-bearing deposits | 72,202,000 | 72,679,000 | 73,990,000 | 74,524,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 6,724,000 | 7,191,000 | 7,384,000 | 7,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,711,000 | 2,591,000 | 3,491,000 |
| Interest expense | 306,000 | 619,000 | 942,000 | 1,260,000 |
| Net interest income | 534,000 | 1,092,000 | 1,649,000 | 2,231,000 |
| Noninterest income | 1,000 | 1,000 | 5,000 | 3,000 |
| Noninterest expense | 273,000 | 531,000 | 802,000 | 1,161,000 |
| Provision for loan losses | 0 | 30,000 | 45,000 | 60,000 |
| Pretax income | 259,000 | 527,000 | 802,000 | 1,006,000 |
| Income tax | 57,000 | 168,000 | 261,000 | 312,000 |
| Net income | 202,000 | 359,000 | 541,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,906,000 | 7,053,000 | 7,235,000 | 7,388,000 |
| Total capital | 7,420,000 | 7,607,000 | 7,799,000 | 7,965,000 |
| Risk-weighted assets | 40,974,000 | 44,217,000 | 45,038,000 | 46,075,000 |