Call reports 2020
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2020
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 103,118,000 | 102,926,000 | 101,893,000 | 103,476,000 |
| Total loans | 73,442,000 | 72,575,000 | 71,298,000 | 68,884,000 |
| Allowance for loan losses | 774,000 | 778,000 | 792,000 | 792,000 |
| Securities available for sale | 5,094,000 | 4,519,000 | 5,138,000 | 4,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,093,000 | 79,770,000 | 79,503,000 | 82,127,000 |
| Interest-bearing deposits | 78,106,000 | 78,170,000 | 77,992,000 | 80,901,000 |
| Noninterest-bearing deposits | 987,000 | 1,600,000 | 1,511,000 | 1,226,000 |
| Equity capital | 11,924,000 | 12,063,000 | 12,222,000 | 12,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,889,000 | 2,773,000 | 3,618,000 |
| Interest expense | 414,000 | 811,000 | 1,173,000 | 1,506,000 |
| Net interest income | 559,000 | 1,078,000 | 1,600,000 | 2,112,000 |
| Noninterest income | 58,000 | 100,000 | 206,000 | 320,000 |
| Noninterest expense | 480,000 | 924,000 | 1,345,000 | 1,899,000 |
| Provision for loan losses | -26,000 | -22,000 | -8,000 | -8,000 |
| Pretax income | 163,000 | 276,000 | 469,000 | 541,000 |
| Income tax | 21,000 | 45,000 | 85,000 | 102,000 |
| Net income | 142,000 | 231,000 | 384,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,902,000 | 11,991,000 | 12,144,000 | 12,199,000 |
| Total capital | 12,521,000 | 12,599,000 | 12,748,000 | 12,784,000 |
| Risk-weighted assets | 49,388,000 | 48,483,000 | 48,121,000 | 46,555,000 |