Call reports 2022
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2022
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 100,633,000 | 100,800,000 | 100,514,000 | 101,068,000 |
| Total loans | 68,875,000 | 72,560,000 | 77,064,000 | 81,664,000 |
| Allowance for loan losses | 785,000 | 804,000 | 841,000 | 860,000 |
| Securities available for sale | 5,813,000 | 5,603,000 | 5,392,000 | 5,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,705,000 | 78,524,000 | 76,264,000 | 73,524,000 |
| Interest-bearing deposits | 76,834,000 | 76,398,000 | 73,134,000 | 71,026,000 |
| Noninterest-bearing deposits | 1,871,000 | 2,126,000 | 3,130,000 | 2,498,000 |
| Equity capital | 12,369,000 | 12,406,000 | 12,319,000 | 12,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,411,000 | 2,204,000 | 3,086,000 |
| Interest expense | 206,000 | 414,000 | 635,000 | 938,000 |
| Net interest income | 483,000 | 997,000 | 1,569,000 | 2,148,000 |
| Noninterest income | 20,000 | 36,000 | 53,000 | 66,000 |
| Noninterest expense | 448,000 | 812,000 | 1,270,000 | 1,741,000 |
| Provision for loan losses | 1,000 | 20,000 | 57,000 | 76,000 |
| Pretax income | 54,000 | 201,000 | 295,000 | 397,000 |
| Income tax | 10,000 | 45,000 | 72,000 | 83,000 |
| Net income | 44,000 | 156,000 | 223,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,537,000 | 12,649,000 | 12,716,000 | 12,807,000 |