Call reports 2023
BAR HARBOR SAVINGS AND LOAN ASSOCIATION — 2023
What BAR HARBOR SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 104,047,000 | 102,023,000 | 103,998,000 | 105,203,000 |
| Total loans | 83,117,000 | 84,437,000 | 86,316,000 | 86,639,000 |
| Allowance for loan losses | 845,000 | 696,000 | 716,000 | 706,000 |
| Securities available for sale | 5,490,000 | 5,390,000 | 5,389,000 | 5,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,408,000 | 73,248,000 | 73,816,000 | 73,899,000 |
| Interest-bearing deposits | 73,753,000 | 71,017,000 | 71,908,000 | 72,233,000 |
| Noninterest-bearing deposits | 2,655,000 | 2,231,000 | 1,908,000 | 1,666,000 |
| Equity capital | 12,490,000 | 12,549,000 | 12,376,000 | 12,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,881,000 | 2,855,000 | 3,898,000 |
| Interest expense | 427,000 | 1,001,000 | 1,683,000 | 2,474,000 |
| Net interest income | 496,000 | 880,000 | 1,172,000 | 1,424,000 |
| Noninterest income | 15,000 | 31,000 | 53,000 | 67,000 |
| Noninterest expense | 498,000 | 936,000 | 1,432,000 | 1,919,000 |
| Provision for loan losses | 86,000 | -63,000 | -43,000 | -53,000 |
| Pretax income | -73,000 | 38,000 | -164,000 | -375,000 |
| Income tax | 4,000 | -11,000 | -18,000 | -81,000 |
| Net income | -77,000 | 49,000 | -146,000 | -294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,833,000 | 12,912,000 | 12,722,000 | 12,568,000 |