Call reports 2007
BAR HARBOR BANK AND TRUST COMPANY — 2007
What BAR HARBOR BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 828,110,000 | 835,201,000 | 860,479,000 | 891,127,000 |
| Total loans | 552,643,000 | 551,801,000 | 566,012,000 | 579,711,000 |
| Allowance for loan losses | 4,499,000 | 4,501,000 | 4,630,000 | 4,743,000 |
| Securities available for sale | 226,968,000 | 233,197,000 | 245,871,000 | 264,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,423,000 | 518,166,000 | 527,344,000 | 539,247,000 |
| Interest-bearing deposits | 458,983,000 | 463,473,000 | 463,650,000 | 473,955,000 |
| Noninterest-bearing deposits | 48,440,000 | 54,693,000 | 63,694,000 | 65,292,000 |
| Equity capital | 63,741,000 | 63,381,000 | 66,279,000 | 68,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,360,000 | 24,966,000 | 38,332,000 | 51,809,000 |
| Interest expense | 7,078,000 | 14,088,000 | 21,541,000 | 28,906,000 |
| Net interest income | 5,282,000 | 10,878,000 | 16,791,000 | 22,903,000 |
| Noninterest income | 1,298,000 | 2,938,000 | 4,970,000 | 6,600,000 |
| Noninterest expense | 3,582,000 | 7,882,000 | 12,506,000 | 17,316,000 |
| Provision for loan losses | 0 | 33,000 | 247,000 | 456,000 |
| Pretax income | 2,078,000 | 4,999,000 | 8,337,000 | 11,060,000 |
| Income tax | 543,000 | 1,437,000 | 2,496,000 | 3,251,000 |
| Net income | 1,535,000 | 3,562,000 | 5,841,000 | 7,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,088,000 | 62,364,000 | 63,617,000 | 64,259,000 |
| Total capital | 63,080,000 | 64,358,000 | 65,740,000 | 66,495,000 |
| Risk-weighted assets | 535,121,000 | 541,984,000 | 551,168,000 | 571,320,000 |