The First National Bank of Bar Harbor in Bar Harbor, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 14, 2005

  • The First National Bank of Bar Harbor in Bar Harbor, Maine (ME)
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The First National Bank of Bar Harbor - Overview

  • General
  • FDIC Certificate #: 4247
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First, N.A. (#4256)
    Federal Reserve ID: 523808
    Date Established: January 01, 1888
    WWW: http://www.fnbbh.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 10410
    FDIC's unique #: 2788
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 14, 2005
    Last Structure Change Process Date: Febuary 07, 2005
    Last Data Update: Febuary 07, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 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
  • Financial Summary
  • Total assets: $229.3 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, 2004)

  • Dollar figures in thousands
  • 84Total employees (full-time equivalent)
  • $229,251Total assets
  • $7,982Cash and due from depository institutions
  • $1Interest-bearing balances
  • $24,887Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $183,776Net loans & leases
  • $2,005Loan loss allowance
  • $0Trading account assets
  • $4,757Bank premises and fixed assets
  • $0Other real estate owned
  • $546Goodwill and other intangibles
  • $0Life insurance assets
  • $7,303All other assets
  • $229,251Total liabilities and capital
  • $212,223Total liabilities
  • $189,329Total deposits
  • $159,992Interest-bearing deposits
  • $189,329Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $13,230Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,675Other borrowed funds
  • $0Subordinated debt
  • $1,989All other liabilities
  • $17,028Total equity capital
  • $17,028Total bank equity capital
  • $17,028Perpetual preferred stock
  • $0Common stock
  • $675Surplus
  • $675Undivided profits
  • Memoranda
  • $15,678Noncurrent loans and leases
  • $37,349Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $736Earning assets
  • $0Long-term assets (5+ years)
  • $1,169Average Assets, year-to-date
  • $208,664Average Assets, quarterly
  • $49,159Volatile liabilities
  • $227,039Insider loans
  • $234,512FHLB advances
  • $29,523Loans and leases held for sale
  • $6,088Unused loan commitments
  • $7,175Tier 1 (core) risk-based capital
  • $2,761Tier 2 risk-based capital
  • $179Total risk weighted assets
  • $37,349Total unused commitments
  • $0Restructured Loans and leases
  • $2,155Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $11,093Total interest income
  • $2,525Total interest expense
  • $8,568Net interest income
  • $180Provision for loan and lease losses
  • $4,009Total noninterest income
  • $692Fiduciary activities
  • $878Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,439Additional noninterest income
  • $9,080Total noninterest expense
  • $4,162Salaries and employee benefits
  • $1,127Premises and equipment expense
  • $3,791Additional noninterest expense
  • $3,317Pre-tax net operating income
  • $0Securities gains (losses)
  • $867Applicable income taxes
  • $2,450Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,450Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $164Sale, conversion, retirement of capital stock, net
  • $660Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 4.17%Net interest margin
  • 1.95%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 15.22%Return on equity (ROE)
  • 11.12%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 109.76%Credit loss provision to net charge-offs
  • 21.32%Efficiency ratio
  • 72,195Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.94%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 272.42%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 97.07%Net loans and leases to core deposits
  • 102.83%Equity capital to assets
  • 7.43%Core capital (leverage) ratio
  • 7.09%Tier 1 risk-based capital ratio
  • 9.47%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $227,039Average earning assets
  • $16,096Average equity
  • $205,598Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $88,728Managed Assets
  • 1Number of Accounts
  • $88,259Personal trust and agency accounts
  • $14,889Employee benefit-defined contribution accounts
  • $920Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,429Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $66,021Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 415Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $469Other retirement accounts
  • $351Corporate trust and agency accounts
  • $101Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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