Call reports 2015
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2015
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,551,000 | 90,271,000 | 92,791,000 | 95,847,000 |
| Total loans | 72,900,000 | 74,711,000 | 78,069,000 | 80,762,000 |
| Allowance for loan losses | 722,000 | 759,000 | 796,000 | 691,000 |
| Securities available for sale | 6,580,000 | 5,678,000 | 5,111,000 | 5,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,843,000 | 74,619,000 | 75,954,000 | 75,718,000 |
| Interest-bearing deposits | 73,843,000 | 74,619,000 | 75,954,000 | 75,687,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 31,000 |
| Equity capital | 7,727,000 | 7,875,000 | 8,136,000 | 8,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,782,000 | 2,751,000 | 3,711,000 |
| Interest expense | 296,000 | 614,000 | 907,000 | 1,207,000 |
| Net interest income | 604,000 | 1,168,000 | 1,844,000 | 2,504,000 |
| Noninterest income | 1,000 | 23,000 | 30,000 | 24,000 |
| Noninterest expense | 313,000 | 591,000 | 873,000 | 1,246,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 0 |
| Pretax income | 256,000 | 535,000 | 900,000 | 1,289,000 |
| Income tax | 93,000 | 165,000 | 289,000 | 427,000 |
| Net income | 163,000 | 370,000 | 611,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,554,000 | 7,758,000 | 7,998,000 | 8,464,000 |
| Total capital | 8,155,000 | 8,377,000 | 8,567,000 | 9,070,000 |
| Risk-weighted assets | 47,993,000 | 49,381,000 | 45,301,000 | 48,410,000 |