Call reports 2008
BAR HARBOR BANK AND TRUST COMPANY — 2008
What BAR HARBOR BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 912,631,000 | 915,003,000 | 943,563,000 | 971,441,000 |
| Total loans | 607,165,000 | 613,635,000 | 624,205,000 | 633,603,000 |
| Allowance for loan losses | 4,955,000 | 5,234,000 | 5,220,000 | 5,446,000 |
| Securities available for sale | 256,704,000 | 252,108,000 | 269,612,000 | 290,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,925,000 | 576,552,000 | 578,514,000 | 578,668,000 |
| Interest-bearing deposits | 510,163,000 | 522,464,000 | 515,595,000 | 520,239,000 |
| Noninterest-bearing deposits | 48,762,000 | 54,088,000 | 62,919,000 | 58,429,000 |
| Equity capital | 68,277,000 | 66,645,000 | 65,338,000 | 65,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 13,430,000 | 26,595,000 | 40,110,000 | 53,594,000 |
| Interest expense | 7,138,000 | 13,771,000 | 20,159,000 | 26,404,000 |
| Net interest income | 6,292,000 | 12,824,000 | 19,951,000 | 27,190,000 |
| Noninterest income | 1,672,000 | 3,465,000 | 5,601,000 | 7,264,000 |
| Noninterest expense | 4,730,000 | 9,662,000 | 14,557,000 | 19,467,000 |
| Provision for loan losses | 512,000 | 809,000 | 1,669,000 | 1,995,000 |
| Pretax income | 3,099,000 | 6,333,000 | 9,930,000 | 12,162,000 |
| Income tax | 948,000 | 1,938,000 | 3,046,000 | 3,671,000 |
| Net income | 2,151,000 | 4,395,000 | 6,884,000 | 8,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,201,000 | 65,098,000 | 65,813,000 | 63,094,000 |
| Total capital | 66,649,000 | 72,824,000 | 73,526,000 | 73,540,000 |
| Risk-weighted assets | 606,690,000 | 611,840,000 | 624,103,000 | 629,165,000 |