Bar Harbor Bank & Trust in Bar Harbor, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bar Harbor Bank & Trust - Overview

  • General
  • FDIC Certificate #: 11971
    Status: Active
    Federal Reserve ID: 522605
    Bank Holding Company (Regulatory Top Holder): Bar Harbor Bankshares (RSSDID: 1115385, Location: Bar Harbor, ME)
    Date Established: September 15, 1887
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 9261
    FDIC's unique #: 7640
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 24, 2007
    Last Structure Change Process Date: April 24, 2007
    Last Data Update: April 24, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 82 Main Street, Bar Harbor, ME 4609
    County: Hancock
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $1,166.8 mil
    Equity capital: $119.1 mil
    Deposits held in domestic offices: $723.6 mil
    Return on assets (ROA): 1.02% ($11.9 mil)
    Quarterly return on assets: 0.91% ($10.6 mil)
    Return on Equity (ROE): 10.49% ($12.5 mil)
    Quarterly return on equity: 8.90% ($10.6 mil)
    Net income: $11.7 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 1.42% ($16,568.3 mil)
    Quarterly Pretax return on assets: 1.27% ($14,818.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 165Total employees (full-time equivalent)
  • $1,166,781Total assets
  • $8,719Cash and due from depository institutions
  • $0Interest-bearing balances
  • $381,881Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $720,782Net loans & leases
  • $8,221Loan loss allowance
  • $0Trading account assets
  • $15,398Bank premises and fixed assets
  • $2,699Other real estate owned
  • $3,292Goodwill and other intangibles
  • $1,166,781Life insurance assets
  • $34,010All other assets
  • $1,047,722Total liabilities and capital
  • $723,644Total liabilities
  • $660,242Total deposits
  • $723,644Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 24627.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $290,655Trading liabilities
  • $5,000Other borrowed funds
  • $3,796Subordinated debt
  • $119,059All other liabilities
  • $119,059Total equity capital
  • $119,059Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $29,935Surplus
  • $87,924Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,105Income earned, not collected on loans
  • $563Earning assets
  • $4,385Long-term assets (5+ years)
  • $1,102,663Average Assets, year-to-date
  • $721,386Average Assets, quarterly
  • $1,150,571Volatile liabilities
  • $1,160,931Insider loans
  • $754,634FHLB advances
  • $1,156,587Loans and leases held for sale
  • $7,377Unused loan commitments
  • $7,377Tier 1 (core) risk-based capital
  • $108,779Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $116,414Restructured Loans and leases
  • $5,861Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $50,907Total interest income
  • $16,518Total interest expense
  • $34,389Net interest income
  • $2,395Provision for loan and lease losses
  • $6,341Total noninterest income
  • $2,532Fiduciary activities
  • $1,284Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,525Additional noninterest income
  • $22,436Total noninterest expense
  • $11,706Salaries and employee benefits
  • $3,146Premises and equipment expense
  • $7,584Additional noninterest expense
  • $15,899Pre-tax net operating income
  • $470Securities gains (losses)
  • $4,684Applicable income taxes
  • $11,685Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,685Net income attributable to bank
  • $0Net charge-offs
  • $11,685Cash dividends
  • $2,674Sale, conversion, retirement of capital stock, net
  • $4,180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.52%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 10.49%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 89.57%Credit loss provision to net charge-offs
  • 6.84%Efficiency ratio
  • 54,903Assets per employee
  • 7.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.77%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 62.73%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 99.60%Net loans and leases to core deposits
  • 138.58%Equity capital to assets
  • 10.20%Core capital (leverage) ratio
  • 9.41%Tier 1 risk-based capital ratio
  • 14.41%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,150,571Average earning assets
  • $111,399Average equity
  • $1,086,737Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $336,961Managed Assets
  • 1Number of Accounts
  • $333,894Personal trust and agency accounts
  • $117,175Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $116Other retirement accounts
  • $25,810Corporate trust and agency accounts
  • $26Investment management agency accounts
  • $105,590Other fiduciary accounts
  • $85,177Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 704Number of Accounts
  • $0Personal trust and agency accounts
  • $23,817Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,067Other retirement accounts
  • $3,067Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 12 Maine Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07640Bar Harbor Bank & Trust82 Main Street, Bar Harbor, ME 4609September 15, 1887Full Service Brick and Mortar
    1226082Blue Hill Branch21 Main Street, Blue Hill, ME 4614March 11, 1960Full Service Brick and Mortar
    2226083Lubec Branch68 Washington Street, Lubec, ME 4652July 01, 1936Full Service Brick and Mortar
    3226084Northeast Harbor Branch111 Main Street, Northeast Harbor, ME 4662September 15, 1887Full Service Brick and Mortar
    4226085Southwest Harbor Branch314 Main Street, Southwest Harbor, ME 4679August 27, 1951Full Service Brick and Mortar
    5226086Milbridge BranchMain & Bridge Street, Milbridge, ME 4658May 21, 1973Full Service Brick and Mortar
    6226087Deer Isle Branch25 Church Street, Deer Isle, ME 4627Febuary 25, 1974Full Service Brick and Mortar
    7226088Ellsworth Branch137 High Street, Ellsworth, ME 4605November 02, 1981Full Service Brick and Mortar
    8232387Winter Harbor Branch385 Main Street, Winter Harbor, ME 4693May 07, 1960Full Service Brick and Mortar
    9180719Machias Branch20 Main Street, Machias, ME 4654November 20, 1933Full Service Brick and Mortar
    10242690Rockland Branch245 Camden Street (U.S. Route 1), Rockland, ME 4841October 01, 1977Full Service Brick and Mortar
    11450694Somesville Branch1055 Main Street, Mount Desert, ME 4660March 22, 2006Full Service Brick and Mortar

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