2.4.0.810901 - Disclosure - Commitments And Contingent Liabilitiestruefalsefalse1false falsefalseDuration_1_1_2013_To_6_30_2013http://www.sec.gov/CIK0000743367duration2013-01-01T00:00:002013-06-30T00:00:001true 1us-gaap_CommitmentsAndContingenciesDisclosureAbstractus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse0Commitments And Contingent Liabilities [Abstract]2false 2us-gaap_CommitmentsAndContingenciesDisclosureTextBlockus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalseterseLabel1falsefalsefalse00<div> Note 9: Commitments and Contingent Liabilities The Company's wholly owned subsidiary, Bar Harbor Bank & Trust (the "Bank"), is a party to financial instruments in the normal course of business to meet financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, and standby letters of credit. Commitments to originate loans, including unused lines of credit, are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank uses the same credit policy to make such commitments as it uses for on-balance-sheet items, such as loans. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management's credit evaluation of the borrower. The Bank guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are primarily issued in support of third party debt or obligations. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet instruments. Exposure to credit loss in the event of non-performance by the counter-party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments. Typically, these standby letters of credit have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. <div> <div style="margin-left: 72pt; margin-right: 72pt;"> <div> The following table summarizes the contractual amounts of commitments and contingent liabilities as of June 30, 2013, and December 31, 2012: <div align="left"> <table cellspacing="0" border="0"> <tr><td width="68%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="11%"> </td></tr> <tr valign="bottom"><td width="68%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="center">June 30,</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">December 31,</td></tr> <tr valign="bottom"><td width="68%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="center">2013</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">2012</td></tr> <tr><td width="94%" colspan="6"> </td></tr> <tr valign="bottom"><td width="68%" align="left">Commitments to originate loans</td> <td width="2%" align="right">$</td> <td width="9%" align="center">29,601</td> <td style="text-indent: 3px;" width="2%" align="left">$</td> <td width="2%" align="right"> </td> <td width="11%" align="center">20,843</td></tr> <tr valign="bottom"><td width="68%" align="left">Unused lines of credit</td> <td width="2%" align="right">$</td> <td width="9%" align="center">96,205</td> <td style="text-indent: 3px;" width="2%" align="left">$</td> <td width="2%" align="right"> </td> <td width="11%" align="center">106,773</td></tr> <tr valign="bottom"><td width="68%" align="left">Un-advanced portions of construction loans</td> <td width="2%" align="right">$</td> <td width="9%" align="center">18,592</td> <td style="text-indent: 3px;" width="2%" align="left">$</td> <td width="2%" align="right"> </td> <td width="11%" align="center">22,047</td></tr> <tr valign="bottom"><td width="68%" align="left">Commitments to purchase loans</td> <td width="2%" align="right">$</td> <td width="9%" align="center">4,650</td> <td style="text-indent: 3px;" width="2%" align="left">$</td> <td width="2%" align="right"> </td> <td width="11%" align="center">--</td></tr> <tr valign="bottom"><td width="68%" align="left">Standby letters of credit</td> <td width="2%" align="right">$</td> <td width="9%" align="center">281</td> <td style="text-indent: 3px;" width="2%" align="left">$</td> <td width="2%" align="right"> </td> <td width="11%" align="center">307</td></tr></table></div>   As of June 30, 2013, and December 31, 2012, the fair value of the standby letters of credit was not significant to the Company's consolidated financial statements.</div></div></div> </div>falsefalsefalsenonnum:textBlockItemTypenaThe entire disclosure for commitments and contingencies.Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name FASB Interpretation (FIN) -Number 14 -Paragraph 3 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. 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