Bar Harbor Bankshares, Inc. · AMEX:BHB
Bar Harbor Bankshares — Investor Presentation (November 2014)
18 slides from Bar Harbor Bankshares's investor presentation, Nov 10, 2014
Slide 1: Bar Harbor Bankshares Investor Presentation November 2014
, BAR HARBOR BANKSHARES Investor Presentation November 2014
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS ‘The nfopmationpetnta aay contain cana forvat-looking tutanentswhnths meaning ofthe eae Seuss Lition Room Act of 1985. You can ent share forard-ooling statements by feu of words like“sseny."“atlpaes" experts” “plas baiev” Will nates” inende, “pies oale” pee” aud other vdeo
Slide 3: Corporate Overview
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 2.4 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 County Doneaite, Market Share — #of Branches Hancock 36.2% 1 8 Washington 13.6% 2 3 Knox 23% 8 4 Kennebec 1.5% 9 2 Sagadahoc 1.6% z 4 #1 market share in 9 communities representing 82% of BHB’s deposits ‘#2 market share i
Slide 6: Senior Executive Team
Senior Executive Team
Slide 7: Twelve Month Retrospect
Twelve Month Retrospect Successful CEO transition Three-for-two stock split (effectuated as a large stock dividend) Strategicre-alignments and changes in staffing levels and mix Strengthening of the sales culture Elevated focus on ERM and regulatory compliance Technology advancements in infrastructu
Slide 8: Recent Financial Highlights
Recent Financial Highlights ‘Nine Months Ended September 30,2014, ascompared with the same period in 2013
Slide 9: Recent Financial Highlights
Recent Financial Highlights September 30,2014 vs December 21,2013
Slide 10: Consistent Record of Organic Growth
Consistent Record of Organic Growth Total Assets yam in millions) es J 1439 1374 1303 | 2010 201 201: “Loans Securities . Other $1,200 $900 so
Slide 11: Consistent Record of Organic Growth While Managing the Cost of Funds
Consistent Record of Organic Growth While Managing the Cost of Funds Total Deposits sas $7229 APF
Slide 12: Securities Portfolio Provides a Strong Source of Liquidity and Balance Sheet Flexibility
Securities Portfolio Provides a Strong Source of Liquidity and Balance Sheet Flexibility +No below investment grade “acne eS municipal debt obligations whe Portfolio Duration — Approximately 5 Years +Portfolio yield up 33bps to Guar aes 3.67% vs. 2013 +Private label MBS in a $827k unrealized gain po
Slide 13: Loan Portfolio
Loan Portfolio 9/30/14 Site Gaia | ee x xem 33.506 of CRE mortgage Les Saale) . Ee He portfolio as Consumer 1% Residential RE 40%
Slide 14: Consistent Earnings Performance
Consistent Earnings Performance ‘Net Income Mo = 5 oe Bis Ms 12.0 cack 10 ee a ag 10.0 na bs 60 40 A : : 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 YID YID OR 2013. 2014 1.009%
Slide 15: Consistent Earnings Performance
Consistent Earnings Performance ROE 15.00% + Ss bs Be. oe es 9.00% 6.00% 3.00% 2004 2005 2006 2007 2008 ©2009 2010 2011 2012 2013. _ YTD 2014 Efficiency Ratio S5ae ss
Slide 16: Consistent Shareholder Returns
ital Ree ees, Gaal Consistent Shareholder Returns 2.50 je ee 2.00 | = os -) 13 is pe Lg 150 wg # @ 1.00 0.50 j il 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 YTD YTD Ce 2013 2014 1.00 ee 0.905 °
Slide 17: o va = = *,
o va = = *,
Slide 18: 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
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