Call reports 2003
BAR HARBOR BANK AND TRUST COMPANY — 2003
What BAR HARBOR BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 534,092,000 | 548,981,000 | 572,138,000 | 577,330,000 |
| Total loans | 352,167,000 | 371,234,000 | 378,738,000 | 383,408,000 |
| Allowance for loan losses | 5,213,000 | 5,276,000 | 5,265,000 | 5,278,000 |
| Securities available for sale | 119,587,000 | 111,675,000 | 121,841,000 | 125,285,000 |
| Securities held to maturity | 31,532,000 | 31,428,000 | 34,066,000 | 33,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,443,000 | 317,723,000 | 336,026,000 | 339,903,000 |
| Interest-bearing deposits | 270,391,000 | 272,390,000 | 282,014,000 | 289,277,000 |
| Noninterest-bearing deposits | 40,052,000 | 45,333,000 | 54,012,000 | 50,626,000 |
| Equity capital | 46,153,000 | 46,609,000 | 45,643,000 | 45,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,689,000 | 15,383,000 | 22,830,000 | 30,325,000 |
| Interest expense | 2,841,000 | 5,678,000 | 8,406,000 | 11,074,000 |
| Net interest income | 4,848,000 | 9,705,000 | 14,424,000 | 19,251,000 |
| Noninterest income | 727,000 | 1,742,000 | 3,235,000 | 4,277,000 |
| Noninterest expense | 3,663,000 | 7,310,000 | 11,312,000 | 15,115,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 540,000 |
| Pretax income | 2,324,000 | 4,602,000 | 6,795,000 | 9,130,000 |
| Income tax | 674,000 | 1,332,000 | 1,931,000 | 2,582,000 |
| Net income | 1,650,000 | 3,270,000 | 4,864,000 | 6,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,515,000 | 44,688,000 | 44,800,000 | 45,412,000 |
| Total capital | 48,969,000 | 49,297,000 | 49,523,000 | 50,139,000 |
| Risk-weighted assets | 355,536,000 | 368,047,000 | 377,319,000 | 377,605,000 |