Call reports 2016
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2016
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 96,482,000 | 98,949,000 | 99,936,000 | 100,060,000 |
| Total loans | 81,650,000 | 83,765,000 | 83,501,000 | 84,620,000 |
| Allowance for loan losses | 711,000 | 730,000 | 750,000 | 769,000 |
| Securities available for sale | 5,063,000 | 4,975,000 | 4,918,000 | 4,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,216,000 | 75,513,000 | 76,338,000 | 76,515,000 |
| Interest-bearing deposits | 74,065,000 | 75,296,000 | 75,918,000 | 75,646,000 |
| Noninterest-bearing deposits | 151,000 | 217,000 | 420,000 | 869,000 |
| Equity capital | 8,863,000 | 9,135,000 | 9,376,000 | 9,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 1,978,000 | 2,996,000 | 4,001,000 |
| Interest expense | 301,000 | 601,000 | 915,000 | 1,221,000 |
| Net interest income | 680,000 | 1,377,000 | 2,081,000 | 2,780,000 |
| Noninterest income | 6,000 | 2,000 | 4,000 | 5,000 |
| Noninterest expense | 349,000 | 662,000 | 967,000 | 1,405,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 78,000 |
| Pretax income | 317,000 | 678,000 | 1,059,000 | 1,302,000 |
| Income tax | 98,000 | 207,000 | 321,000 | 419,000 |
| Net income | 219,000 | 471,000 | 738,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,684,000 | 8,935,000 | 9,203,000 | 9,347,000 |
| Total capital | 9,298,000 | 9,593,000 | 9,858,000 | 10,003,000 |
| Risk-weighted assets | 49,033,000 | 52,580,000 | 52,326,000 | 52,372,000 |