Call reports 2004
FIRST NATIONAL BANK OF BAR HARBOR — 2004
What FIRST NATIONAL BANK OF BAR HARBOR 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 | 219,031,000 | 227,569,000 | 239,773,000 | 229,251,000 |
| Total loans | 169,427,000 | 177,421,000 | 183,511,000 | 185,781,000 |
| Allowance for loan losses | 2,036,000 | 2,051,000 | 2,131,000 | 2,005,000 |
| Securities available for sale | 31,103,000 | 27,893,000 | 25,198,000 | 24,472,000 |
| Securities held to maturity | 480,000 | 480,000 | 480,000 | 415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,403,000 | 185,931,000 | 207,250,000 | 189,329,000 |
| Interest-bearing deposits | 159,124,000 | 154,966,000 | 173,515,000 | 159,992,000 |
| Noninterest-bearing deposits | 28,278,000 | 30,965,000 | 33,735,000 | 29,337,000 |
| Equity capital | 15,954,000 | 15,622,000 | 16,682,000 | 17,028,000 |
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 | 2,593,000 | 5,283,000 | 8,116,000 | 11,093,000 |
| Interest expense | 606,000 | 1,247,000 | 1,844,000 | 2,525,000 |
| Net interest income | 1,987,000 | 4,036,000 | 6,272,000 | 8,568,000 |
| Noninterest income | 882,000 | 1,738,000 | 2,969,000 | 4,009,000 |
| Noninterest expense | 2,033,000 | 4,165,000 | 6,690,000 | 9,080,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 776,000 | 1,489,000 | 2,371,000 | 3,317,000 |
| Income tax | 196,000 | 377,000 | 602,000 | 867,000 |
| Net income | 580,000 | 1,112,000 | 1,769,000 | 2,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,472,000 | 15,686,000 | 16,344,000 | 16,675,000 |
| Total capital | 17,578,000 | 17,887,000 | 18,537,000 | 18,830,000 |
| Risk-weighted assets | 168,381,000 | 177,986,000 | 175,338,000 | 176,131,000 |