PackageTrendsPeer
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First National Bank of Bar Harbor

Bar Harbor, ME · Cert 4247

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Bar Harbor

Bar Harbor, ME · Cert 4247

FDIC

Q4 2004

$229.3MAssets
$185.8MLoans
$189.3MDeposits
$17.0MEquity
Loan mix
72%RE $47.4M28%C&I $18.7M0%Consumer $0.2MQ4 2003Q4 2004
Deposit mix
85%Interest-bearing $160.0M15%Noninterest $29.3MQ4 2003Q4 2004

NIM

5.73%Q4 ’024.78%Q4 ’034.72%Q4 ’04-9%+3%

Non-interest income vs. expense

3.99%Q4 ’023.78%Q4 ’033.86%Q4 ’04-16%+1%

Executive Summary

  • Earnings: ROA of 1.08%, up 10 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 98.13% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

1.08%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+9 bps YoY

Efficiency Ratio (YTD, annualized)

72.20%-49 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.00%1.04%1.08%+10 bps
Return on Equity13.76%14.90%14.27%14.87%15.22%+146 bps
Net Interest Margin3.55%3.67%3.56%3.60%3.64%+9 bps
Efficiency Ratio72.68%70.86%72.13%72.39%72.20%-49 bps
Non-Interest Burden2.13%2.13%2.14%2.14%2.16%+2 bps
Growth
Asset Growth (YoY)12.35%11.22%13.53%9.42%4.41%-794 bps
Loan Growth (YoY)8.25%8.42%14.41%14.83%14.53%+628 bps
Deposit Growth (YoY)14.60%16.18%9.67%9.21%1.88%-1,272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.03%0.07%0.03%0.09%+7 bps
Allowance / Loans1.23%1.20%1.16%1.16%1.08%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.50%10.44%10.05%10.57%10.69%+19 bps
Equity / Assets6.92%7.28%6.86%6.96%7.43%+51 bps
Liquidity & Funding
Loans / Deposits87.29%90.41%95.42%88.55%98.13%+1,084 bps
Liquid Assets / Assets0.22%0.22%0.21%0.20%0.18%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a