Bar Harbor Savings and Loan Association

Bar Harbor Savings and Loan Association is headquartered in Bar Harbor and is the 28^th largest bank in the state of Maine. It is also the 5,697^th largest bank in the nation. It was established in 1902 and as of December of 2011, it had grown to 6 employees at 1 location. Bar Harbor Savings and Loan Association has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bar Harbor Savings and Loan Association OTS # 06049 FDIC Certificate # 30878 BankRate Report View Year Established 1902 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $72.48 million Loans $47.81 million Deposits $66.15 million Equity Capital $5.35 million Loan Loss Allowance $509,000 Unbacked Noncurrent Loans $41,000 Historic Data - December 2010 Assets $63.21 million Equity Capital $4.85 million Loan Loss Allowance $397,000 Profit Margin - Quarterly Net Interest Margin 2.33% Return on Assets 0.72% Return on Equity 9.8% Interest Income $3.08 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bar Harbor Savings and Loan Association had $41,000 in non-current loans and owned real-estate with $5.86 million in equity and loan loss allowances on hand to cover it. This gives Bar Harbor Savings and Loan Association a Texas Ratio of 0.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Bar Harbor Savings and Loan Association has increased its total deposits by $7.85 million, resulting in 13.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bar Harbor Savings and Loan Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bar Harbor Savings and Loan Association has $72.48 million in assets with $5.86 million in equity, resulting in a capitalization level of 8.08%, which is average.

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