Call reports 2003
FIRST NATIONAL BANK OF BAR HARBOR — 2003
What FIRST NATIONAL BANK OF BAR HARBOR 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 | 196,939,000 | 200,443,000 | 219,140,000 | 219,572,000 |
| Total loans | 156,262,000 | 155,079,000 | 159,812,000 | 162,214,000 |
| Allowance for loan losses | 1,804,000 | 1,877,000 | 1,902,000 | 1,989,000 |
| Securities available for sale | 27,216,000 | 22,263,000 | 25,290,000 | 32,940,000 |
| Securities held to maturity | 545,000 | 545,000 | 545,000 | 480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,300,000 | 169,531,000 | 189,768,000 | 185,840,000 |
| Interest-bearing deposits | 138,540,000 | 144,734,000 | 159,142,000 | 155,469,000 |
| Noninterest-bearing deposits | 22,760,000 | 24,797,000 | 30,626,000 | 30,371,000 |
| Equity capital | 14,367,000 | 14,873,000 | 15,079,000 | 15,195,000 |
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 | 2,637,000 | 5,302,000 | 7,905,000 | 10,475,000 |
| Interest expense | 718,000 | 1,397,000 | 2,036,000 | 2,693,000 |
| Net interest income | 1,919,000 | 3,905,000 | 5,869,000 | 7,782,000 |
| Noninterest income | 661,000 | 1,428,000 | 2,634,000 | 3,599,000 |
| Noninterest expense | 1,836,000 | 3,808,000 | 6,136,000 | 8,272,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 653,000 | 1,344,000 | 2,096,000 | 2,748,000 |
| Income tax | 170,000 | 355,000 | 575,000 | 728,000 |
| Net income | 483,000 | 989,000 | 1,521,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,078,000 | 14,385,000 | 14,913,000 | 14,896,000 |
| Total capital | 15,932,000 | 16,253,000 | 16,860,000 | 16,910,000 |
| Risk-weighted assets | 148,235,000 | 149,314,000 | 155,677,000 | 161,010,000 |