Bar Harbor Bankshares, Inc. · AMEX:BHB
Bar Harbor Bankshares — Shareholder Meeting (May 2012)
35 slides from Bar Harbor Bankshares's shareholder meeting presentation, May 17, 2012
Slide 1: Annual Meeting May 15, 2012
Slide 2: 2011 Year in Review
2011 Year in Review A |e "BAR HarBor} om se
Slide 3: Economic Environment/Business Climate
Economic Environment/ Business Climate « Slow emergence from economic recession Still depressed real estate markets Still high unemployment Still diminished consumer confidence ¢ Still uncertain economic outlook Still weak loan demand
Slide 4: Micro economy of Coastal Maine
Micro economy of Coastal Maine ¢ Strong tourist season ¢ Record lobster landings ¢ Strong wild blueberry season * Continued improvement in local employment + Still depressed real estate markets and values
Slide 5: Bank Regulatory Climate
Bank Regulatory Climate Continued focus on credit quality, liquidity, capital, IRR and the U.S. Patriot Act Dodd-Frank Wall Street Reform Act Consumer Financial Protection Board New capital standards on the horizon
Slide 6: BHB 2011 Year in Review
BHB 2011 Year in Review Record earnings Continued business and consumer loan growth Stable credit quality Solid core deposit growth Expanding net interest margin Strong capital ratios Increased dividends to shareholders
Slide 7: Financial Condition December 31, 2011
Slide 8: Total Assets
Total Assets (Gin millions) Up $49.5m, or 4.4% {BAR HaRBOR|
Slide 9: Total Loans
Total Loans (Gin millions) Up $28.3m, or 4.0% om | [BAR Hargor|
Slide 10: Loan Portfolio
Loan Portfolio + Commercial up $7.0m, or 1.8% + Consumer up $24.0m or 8.3% 48.1% sso77 $505.4 1.3% 10 [p Tax Exerpt a Consirrer m Commercial va—~E es
Slide 11: Loan Portfolio
Loan Portfolio 12/31/11 Texan + Lodging industry represents Hore ay 1 34.8% of CRE mortgage Consumer 3% CRE 3% Residential RE 33%
Slide 12: Credit Quality
Slide 13: Non-Performing to Total Loans
Non-Performing to Total Loans ‘One Relationship ote 125%
Slide 14: Net Charge-Offs to Average Loans
Net Charge-Offs to Average Loans ‘One relationship 0.60%
Slide 15: Allowance for Loan Losses
Allowance for Loan Losses 1.13% of total (Gin millions) loans at 12/31/11 aa J
Slide 16: Investment Securities
tment Securities (Sin millions) Up 24.0m, or 6.7%
Slide 17: Investment Securities
Investment Securities +No below investment grade Us coxernment ici igati piano municipal debt obligations 196% *Manageable OTTI risk remains with private label MBS Private Label MES Municipal Debt Obligations Br (GSEDebt Obtigation 07% or~ ARE al
Slide 18: Total Deposits
Ch Total Deposits Denna ve Secu = Savings/MMK (2.4%) Up $14.6m, or 2.19% ‘Time 0.2% / 800.
Slide 19: Deposits
Deposits $7083 sms ant [Bar HaRBO!
Slide 20: "Well Capitalized" Capital Ratios
“Well Capitalized” Capital Ratios % TIER1-LEVERAGE TIER 1- RISK a We IBAR Harwor}
Slide 21: Results of Operations Year Ended December 31, 2011
Slide 22: Net Interest Income
Up: Driven' im, or 7.606 we. Asse growthofS61.9m jp NIMimprovement Net Interest Income (Sin millions) (Tax-Equivalent) ‘Up $2.5m, or 7.6% 50 /- {~~ ARE ca Ps
Slide 23: Non-interest Income
Non-interest Income {Sin millions) Down $666k, or 8.9%
Slide 24: Non-interest Income
Non-interest Income
Slide 25: Non-interest Expense
Non-interest Expense (Gin millions) Up $1.2m, or 5.6% [ 7
Slide 26: Non-interest Expense
Non-interest Expense * Salaries & Benefits — up $621k, or 5.1% + Reflects 2010 health insurance credits — $402k * Occupancy expense—up $157k, or 11.6% + RE: Major branch facilities upgrades * Other Operating Expenses — up $351k, or 6.3% + Wide variety of expense categories “yn | [Bar Harpo}
Slide 27: Efficiency Ratio
Efficiency Ratio 60.0% 57.3%
Slide 28: Net Income Available to Common Shareholders
Net Income Available to Common Shareholders (Sin millions) + Up $1.0m, or 10.3% + New record
Slide 29: EPS & Shareholder Dividends
EPS & Shareholder Dividends Up $0.24, or 9.2% Up $0.05, or 4.8%
Slide 30: Return On Average Equity
Return On Average Equity 13.00%
Slide 31: Return On Average Assets
Return On Average Assets
Slide 32: Near-Term Challenges
Near-Term Challenges
Slide 33: Near-Term Challenges
Near-Term Challenges fa] [Bag HarBor} oa
Slide 34: Prospective Branch Map
Slide 35: Pending Border Trust Transaction
Pending Border Trust Transaction “Ym | [BAR Harwor}
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