Camden National Corporation · NASDAQ:CAC
Camden National — RBC Capital Markets Financial Institutions Conference 2005
17 slides from Camden National's conference presentation, Sep 21, 2005
Slide 1: RBC Capital Markets Financial Institutions Conference
RBC Capital Markets Financial Institutions Conference September 20, 2005 Presenter Robert W. Daigle President and Chief Executive Officer
Slide 2: Safe Harbor Statement
Safe Harbor Statement This presentation contains certain statements that may be considered forward-looking statements under the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by the use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate
Slide 3: Overview
Overview Founded 1875 in Camden, Maine Common Stock CAC trades on AMEX Market Cap—$300 million Listed on Russell 3000 and Small-Cap Russell 2000 Indices Profile Assets—$1.6 billion AUM—$675 million Households—45,500 Banking Centers—27 Employees—340
Slide 4: Franchise Geography
Franchise Geography CNC Camden National Corporation
Slide 5: Camden National Bank
Camden National Bank Headquartered in Camden, Maine 12 Branches Coastal Maine focused Assets $1.1 billion Loans $789 million Deposits $770 million As of June 30, 2005
Slide 6: UnitedKingfield Bank
UnitedKingfield Bank Headquartered in Bangor, Maine 15 Branches Eastern, Central and Western Maine focused Assets $481 million Loans $342 million Deposits $312 million As of June 30, 2005
Slide 7: Acadia Trust, N.A.
Acadia Trust, N.A. Headquartered in Portland, Maine 2 locations Value-Oriented Investment Manager Assets Under Mgmt $675 million As of June 30, 2005
Slide 8: Executive Management
Executive Management Bob Daigle (56), President and CEO, Camden National Corporation; Chairman, Acadia Trust, N.A. Greg Dufour (45), Chief Banking Officer, CNC; President & COO, Camden National Bank Jeff Smith (42), President & COO, UnitedKingfield Bank Bill Bolinder (62), President & CEO, Acadia Tr
Slide 9: Franchise Ranking
Franchise Ranking Top Ten Banks in Maine by Asset Size ($ millions) as of March 31, 2005 1 Banknorth, N.A. $28,314 (a) 2 Bangor Savings Bank $1,761 3 Camden National Corporation $1,545 4 First National Lincoln Corp. $889 5 Gardiner Savings Institution $690 6 Norway Savings Bank $682 7 Bar Harbor Ban
Slide 10: Loan and Deposit Growth
Loan and Deposit Growth $1,200 $1,000 $800 $600 $400 $200 $0 $1,131 $1,078 $1,069 $1,015 $850 $967 $901 $764 $809 $724 2001 2002 2003 2004 Jun-05 Loans Deposits
Slide 11: Return On Equity
Return On Equity 17.00% 16.50% 16.00% 15.50% 15.00% 14.50% 15.55% 15.38% 15.85% 15.97% 16.73% 2001 2002 2003 2004 Jun-05
Slide 12: Efficiency Ratio
Efficiency Ratio 55.00% 54.00% 53.00% 52.00% 51.00% 50.00% 49.00% 48.00% 54.15% 52.70% 52.02% 52.78% 50.05% 2001 2002 2003 2004 Jun-05
Slide 13: Diluted EPS growth
Diluted EPS growth $3.00 $2.50 $2.00 $1.50 $1.00 $0.50 $0.00 $1.69 $1.89 $2.11 $2.38 $2.53 2000 2001 2002 2003 2004
Slide 14: Total Return Performance
Total Return Performance 300 250 200 150 100 50 0 1999 2000 2001 2002 2003 2004 CAC Russell 2000 Index NASDAQ Bank Index
Slide 15: Growth Opportunities
Growth Opportunities Expanding Footprint Increasing Market Share Acquisition Branches Banks Specialized Businesses De Novo Branches
Slide 16: Challenges
Challenges Over Banked/Low Growth State Increasing Regulation Decline in Pricing Power Deposit Building Potential “Housing Bubble” Yield Curve
Slide 17: CNC Advantage
CNC Advantage Tangible Well Capitalized Consistent Earnings Stream Sustained Efficiency Intangible Management Team Sterling Reputation Culture
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