Bar Harbor Savings and Loan Association in Bar Harbor, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bar Harbor Savings and Loan Association in Bar Harbor, Maine (ME)
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Bar Harbor Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30878
    Status: Active
    Federal Reserve ID: 106676
    Date Established: January 01, 1902
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 6049
    FDIC's unique #: 43712
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: April 15, 1957
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $72.5 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $66.2 mil
    Return on assets (ROA): 0.72% ($0.5 mil)
    Quarterly return on assets: 0.84% ($0.6 mil)
    Return on Equity (ROE): 9.80% ($0.5 mil)
    Quarterly return on equity: 11.45% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($732.0 mil)
    Quarterly Pretax return on assets: 0.91% ($659.6 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
  • 6Total employees (full-time equivalent)
  • $72,479Total assets
  • $13,040Cash and due from depository institutions
  • $12,933Interest-bearing balances
  • $9,110Securities
  • $1,470Federal funds sold & reverse repurchase agreements
  • $47,809Net loans & leases
  • $509Loan loss allowance
  • $0Trading account assets
  • $525Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $72,476Life insurance assets
  • $525All other assets
  • $67,127Total liabilities and capital
  • $66,153Total liabilities
  • $66,153Total deposits
  • $66,153Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $872Trading liabilities
  • $0Other borrowed funds
  • $102Subordinated debt
  • $5,349All other liabilities
  • $5,349Total equity capital
  • $5,349Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $5,349Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41Income earned, not collected on loans
  • $0Earning assets
  • $115Long-term assets (5+ years)
  • $71,322Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $68,704Volatile liabilities
  • $71,902Insider loans
  • $29,812FHLB advances
  • $72,472Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,342Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,914Restructured Loans and leases
  • $1,916Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,083Total interest income
  • $1,511Total interest expense
  • $1,572Net interest income
  • $112Provision for loan and lease losses
  • $94Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $94Additional noninterest income
  • $858Total noninterest expense
  • $438Salaries and employee benefits
  • $112Premises and equipment expense
  • $308Additional noninterest expense
  • $696Pre-tax net operating income
  • $0Securities gains (losses)
  • $199Applicable income taxes
  • $497Income before extraordinary items
  • $0Extraordinary gains - net
  • $497Net income attributable to bank
  • $0Net charge-offs
  • $497Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 2.24%Cost of funding earning assets
  • 2.33%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.27%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 9.80%Return on equity (ROE)
  • 9.80%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,501Assets per employee
  • 12.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 1241.46%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 72.27%Net loans and leases to core deposits
  • 73.08%Equity capital to assets
  • 7.38%Core capital (leverage) ratio
  • 7.37%Tier 1 risk-based capital ratio
  • 17.92%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $68,704Average earning assets
  • $5,074Average equity
  • $67,513Average loans

List of branches

  • 1 Maine Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043712Bar Harbor Savings And Loan Associat103 Main Street, Bar Harbor, ME 4609January 01, 1902Full Service Brick and Mortar

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