Call reports 2005
BAR HARBOR BANK AND TRUST COMPANY — 2005
What BAR HARBOR BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 665,330,000 | 680,480,000 | 704,243,000 | 749,689,000 |
| Total loans | 457,766,000 | 484,665,000 | 493,854,000 | 514,866,000 |
| Allowance for loan losses | 4,799,000 | 4,725,000 | 4,725,000 | 4,647,000 |
| Securities available for sale | 163,431,000 | 149,819,000 | 162,395,000 | 186,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,727,000 | 408,245,000 | 437,005,000 | 446,379,000 |
| Interest-bearing deposits | 336,331,000 | 356,777,000 | 375,870,000 | 390,197,000 |
| Noninterest-bearing deposits | 48,396,000 | 51,468,000 | 61,135,000 | 56,182,000 |
| Equity capital | 56,290,000 | 57,769,000 | 58,076,000 | 57,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,541,000 | 17,486,000 | 26,972,000 | 37,195,000 |
| Interest expense | 3,230,000 | 6,825,000 | 10,824,000 | 15,335,000 |
| Net interest income | 5,311,000 | 10,661,000 | 16,148,000 | 21,860,000 |
| Noninterest income | 1,082,000 | 2,514,000 | 4,443,000 | 5,835,000 |
| Noninterest expense | 4,624,000 | 9,257,000 | 13,975,000 | 18,599,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 0 |
| Pretax income | 1,790,000 | 4,435,000 | 7,146,000 | 9,676,000 |
| Income tax | 471,000 | 1,264,000 | 2,081,000 | 2,810,000 |
| Net income | 1,319,000 | 3,171,000 | 5,065,000 | 6,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,200,000 | 54,260,000 | 55,349,000 | 56,173,000 |
| Total capital | 55,742,000 | 56,728,000 | 57,567,000 | 58,313,000 |
| Risk-weighted assets | 438,199,000 | 457,799,000 | 471,464,000 | 499,591,000 |