Bar Harbor Savings and Loan Association - Overview
General
FDIC Certificate #: 30878 Status: Active Federal Reserve ID: 106676 Date Established: January 01, 1902 WWW:http://www.bhsla.com 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
No
ID
Name
Address
Established
Service Type
Map
0
43712
Bar Harbor Savings And Loan Associat
103 Main Street, Bar Harbor, ME 4609
January 01, 1902
Full Service Brick and Mortar
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