Call reports 2004
BAR HARBOR BANK AND TRUST COMPANY — 2004
What BAR HARBOR BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 611,511,000 | 671,222,000 | 655,677,000 | 668,267,000 |
| Total loans | 405,559,000 | 416,940,000 | 429,557,000 | 448,478,000 |
| Allowance for loan losses | 5,159,000 | 4,931,000 | 4,783,000 | 4,829,000 |
| Securities available for sale | 132,614,000 | 170,613,000 | 141,136,000 | 176,984,000 |
| Securities held to maturity | 33,150,000 | 34,950,000 | 35,064,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,642,000 | 376,878,000 | 397,259,000 | 398,679,000 |
| Interest-bearing deposits | 318,749,000 | 325,378,000 | 336,374,000 | 343,539,000 |
| Noninterest-bearing deposits | 45,893,000 | 51,500,000 | 60,885,000 | 55,140,000 |
| Equity capital | 49,390,000 | 52,305,000 | 54,950,000 | 57,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,573,000 | 15,182,000 | 23,442,000 | 31,922,000 |
| Interest expense | 2,708,000 | 5,548,000 | 8,491,000 | 11,545,000 |
| Net interest income | 4,865,000 | 9,634,000 | 14,951,000 | 20,377,000 |
| Noninterest income | 1,165,000 | 2,286,000 | 4,717,000 | 6,075,000 |
| Noninterest expense | 3,876,000 | 8,663,000 | 13,914,000 | 18,416,000 |
| Provision for loan losses | 90,000 | 120,000 | 150,000 | 180,000 |
| Pretax income | 2,257,000 | 3,330,000 | 6,036,000 | 8,353,000 |
| Income tax | 631,000 | 843,000 | 1,634,000 | 2,293,000 |
| Net income | 1,626,000 | 2,487,000 | 4,402,000 | 6,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,956,000 | 50,244,000 | 51,187,000 | 52,505,000 |
| Total capital | 47,653,000 | 52,918,000 | 53,713,000 | 55,077,000 |
| Risk-weighted assets | 396,096,000 | 420,962,000 | 417,866,000 | 431,543,000 |