| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 25,158 | 16,303 |
| Net change in loans held for sale | 4,310 | 1,594 |
| Provision for credit losses on loans | 4,220 | 471 |
| Provision for credit losses on available-for-sale debt securities | 636 | 636 |
| Net amortization of securities | -73 | -406 |
| Change in unamortized net loan costs and premiums | -61 | -167 |
| Premises and equipment depreciation | 3,150 | 2,072 |
| Stock-based compensation expense | 2,138 | 1,206 |
| Accretion of purchase accounting entries, net | 1,526 | - |
| Amortization of other intangibles | 932 | 466 |
| Income from cash surrender value of bank-owned life insurance policies | 1,881 | 1,216 |
| Loss (gain) on available-for-sale debt securities | -4,901 | -4,942 |
| Increase right-of-use lease assets | 145 | 819 |
| Increase in lease liabilities | 208 | 858 |
| Loss (gain) on premises and equipment, net | 113 | -93 |
| Net change in other assets and liabilities | 2,381 | 9,403 |
| Net cash provided by operating activities | 31,121 | 14,588 |
| Proceeds from maturities, calls and prepayments of available-for-sale debt securities | 73,216 | 41,656 |
| Proceeds from sales | 40,987 | - |
| Purchases of available-for-sale debt securities | 67,687 | 52,559 |
| Net change in loans | 21,277 | 6,065 |
| Purchase of federal home loan bank stock | 8,977 | 8,583 |
| Proceeds from redemption of federal home loan bank stock | 17,024 | 8,125 |
| Purchase of premises and equipment, net | 4,633 | 3,533 |
| Proceeds from sale of premises held for sale | 597 | - |
| Cash acquired, net of cash consideration paid | 77,521 | - |
| Net cash provided by (used in) investing activities | 106,771 | -20,959 |
| Net change in deposits | 149,219 | 24,300 |
| Net change in short-term borrowings | -192,097 | -6,465 |
| Repayments of long-term borrowings | -14,964 | -5 |
| Net issuance to employee stock plans | -469 | 144 |
| Cash dividends paid on common stock | 15,029 | 9,660 |
| Net cash (used in) provided by financing activities | -73,340 | 21,244 |
| Net change in cash and cash equivalents | 64,552 | 14,873 |
| Cash and cash equivalents at beginning of period | 72,162 | - |
| Cash and cash equivalents at end of period | 136,714 | - |
BAR HARBOR BANKSHARES (BHB)
BAR HARBOR BANKSHARES (BHB)