Bar Harbor Bankshares, Inc. · AMEX:BHB
Bar Harbor Bankshares — Investor Presentation (June 2015)
21 slides from Bar Harbor Bankshares's investor presentation, Jun 2, 2015
Slide 1: Investor Presentation June 2015
BAR HARBOR BANKSHARES ‘yen, Investor Presentation rescind: June 2015
Slide 2: Safe Harbor Statement
Safe Harbor Statement “This presertaion contats cefain sitemeats th may be considered forward-ocking staments 2 defined inthe Private Securtios Ltigaton Relorm Act of 1555, which are subft fo numerous eka and uncetaities, Fowardloking statements can be Gertfad by word sich ar “anita,” “belaves," tor
Slide 3: Corporate Overview
Corporate Overview March 34,2015, + Bar Harbor Bank & Trust — commercial and retail banking services through 15 branch offices along the coast of Maine + Bar Harbor Trust Services — trust and investment management; $403 million AUM + Bar Harbor Financial Services — a third-party registered broker-de
Slide 4: Our Franchise Footprint
Our Franchise Footprint Washington and Hancock Counties + “Downeast Maine” - farthest east in the country + Major Attraction: Bar Harbor / Acadia National Park - Top ten visited National Park in the United States - From late spring to early fall, attracts over 2.5 million tourists - Over 130 annual
Slide 5: Strong Deposit Share in Core Markets with Growth Opportunities in Newer Markets
Strong Deposit Share in Core Markets with Growth Opportunities in Newer Markets ‘ounty coe #of Branches Hancock 36.2% 1 8 Washington 13.6% 2 3 Knox 23% 8 1 Kennebec 15% 9 2 Sagadahoc 1.6% : 1 + #1 market share in 9 communities representing 82% of BHB’s deposits + #2market share in 2 communities repr
Slide 6: Senior Executive Team
Senior Executive Team C. Simard _Presidentand CEO 44 a 23 [GeratdShencavitz [EVP Treaswer& CFO | 62 7 35 Gregory W. Dalton _[EVP, Business Banking |__55 2 2 [tephenM. EVP RetailBanking& feldt [operations 58 4 2 RichardB Matz _[EVP& CRO 35 1 2 President, Bar Harbor obert.Gerseny _ [Trust Services 59
Slide 7: Twelve Month Retrospect
Twelve Month Retrospect Successful tourist season Strong lobster landings and wild blueberry season Strategic re-alignments and changes in staffing levels and mix Commercial lending aligned to better serve differing customer segments Improving our sales culture and the customer experience Brand affi
Slide 8: Twelve Month Retrospect
Twelve Month Retrospect + Technology and E-Platform advancements in infrastructure and in the customer experience + Upgrade website and online banking + Launch tablet banking + Instant issue debit card capability + Retail mobile capture * Social mediaentrance - + Advancing information security techa
Slide 9: 2014 Financial Highlights
2014 Financial Highlights ‘Twelve months ended December 31,2014 + Ninth consecutive year of record earings + Net Income up 10.8% + EPS up 10.4% + ROA- 1.03% + ROE- 10.69% + Net interest income up $5 million, or 11.9% + NIM improvementof 18 bps
Slide 10: First Quarter 2015
First Quarter 2015 The momentum continues... + Record Earnings + ROA- 1.06% * ROE- 10.57%
Slide 11: Consistent Record of Organic Growth
Consistent Record of Organic Growth Total Assets Ginnilions) mLoans wmSecurities Other 4m BARHARBOR BANKSHARES
Slide 12: Consistent Record of Organic Growth While Managing the Cost of Funds
Consistent Record of Organic Growth While Managing the Cost of Funds Total Deposits see i tian Total TransactionAccounts GMMDAS Savings Certificates of epost ss 23.7% 20.3% 28.9% 271% Ly BAR HARBOR BANKSHARES
Slide 13: Securities Portfolio Provides a Strong Source of Liquidity and Balance Sheet Flexibility
Securities Portfolio Provides a Strong Source of Liquidity and Balance Sheet Flexibility mas + No below investment grade io municipal debt obligations iS +Portfolio Duration—Less than 5 Years PrvateLabel Mas 10% Municipal Debt Obligations 20% GseMaS ona 4~ BAR HARBOR BANKSHARES
Slide 14: Loan Portfolio
Loan Portfolio qs14 ‘Lodging industry represents 32.9% of CRE mortgage portfolio CRE 30% BAR HARBOR BANKSHARES
Slide 15: Disciplined Credit Culture
Disciplined Credit Culture Non Performing o Total Loans 2.00% +7 7% pH) ie aa 1.08% 1.00% 7~ 0.70% i 8 0.00% a = sis 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 NCO'sto Average Loans 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 BAR HARBOR BANKSHARES
Slide 16: Consistent Earnings Performance
Consistent Earnings Performance Net Income 160 + 9.8% ae geen 20 +” 100 72 ao + 57 64 63 7m 60 40 eee & & 20 + < 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Return on Average Assets 1.20% 1.0396 100% +o.29% 93: 1.00 a a a 0.875 o.ssse 0.535 og0% sox + 40% 1 - oo 2004 2005 2006 2007 2008 _
Slide 17: Consistent Earnings Performance
Consistent Earnings Performance Return on Average Equity 15.00% sages 11.35% -49 apse 11.87% 14.6556 12.00% + 40.55% 10.07% a9a% sas 10526 106% 9.00% 6.00% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Efficiency Ratio yo2e s9.6x 70.0% 5.08 ena Z srs co0% +” | i i sax 555M S608 sace 55% sa7
Slide 18: Consistent Shareholder Returns
Consistent Shareholder Returns ppse captalnace a 245 oe = 232223 2.00 4 0.00 a 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 ‘Cash Dividends 1.00 7 cass a oa 7 eee es 0580 063s 0.697 O70 ogo (ss ® = a tt il fae 0.20 ant 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 BAR HARBOR BANKSHARES
Slide 19: Total Shareholder Return
Total Shareholder Return COMPARISON OF 5-YEARCUMULATIVE TOTAL RETURN* Avy S Mtr Sgn NYSE MRT Compost re SEP 50, $250 ‘SERIA Waeey Commun Sa tar $200 3150 $100 $50 30 12108 v0 vant vena vena ra sartamor amas NYSEMKT Compost sa 84 Nawaag Communty Bank nx “300 asin a 125109 sox reer utng rence of avoms
Slide 20: Ongoing Strategic Objectives
Ongoing Strategic Objectives + Sustaining the balance between growth and earnings without sacrificing soundness + Improve earnings by measured loan growth and COF management + Demonstrate a business development mindset to attract, develop, and retain profitable client relationships within the confin
Slide 21: Saou,
BAR HARBOR BANKSHARES Saou, Investor Presentation June 2015
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