Bar Harbor Bankshares, Inc. · AMEX:BHB
Bar Harbor Bankshares — Investor Presentation (September 2017)
14 slides from Bar Harbor Bankshares's investor presentation, Sep 27, 2017
Slide 1: Investor Presentation September 2017
Investor PresentationSeptember 2017
Slide 2: Forward Looking Statements and Non-GAAP Financial Statements
Forward Looking Statements This document contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. There are several factors that could cause actual results to differ significantly from expectations described in the forward-looking statements. For a disc
Slide 3: Company Overview
Company Overview 3 Only community bank headquartered in Northern New England with a branch presence in Maine, New Hampshire and Vermont Assets: $3.5 billionLoans: $2.4 billionDeposits: $2.2 billionShareholders’ equity: $347.1 millionAUM: $1.8 billionMarket capitalization: $458.8 millionPrice / TBV:
Slide 4: Deep and Talented Management Team
Deep and Talented Management Team 4 Curtis C. SimardPresident and CEO Josephine IannelliExecutive Vice President, Chief Financial Officer and Treasurer Richard B. Maltz Executive Vice President, Chief Operating Officer and Chief Risk Officer John MercierExecutive Vice President – Commercial Banking
Slide 5: Our Business Model
Employee and customer experience is the foundation of superior performance, which leads to significant financial benefit to our shareholdersWe value geography, heritage and performance while balancing growth and earningsRisk management and earnings sustainability while remaining true to our cultureC
Slide 6: Corporate Goals
Corporate Goals 6 Our corporate goal is to be among the most profitable banks in New England Targeting a return on average assets in the top quartile amongst our peers and a strong double-digit return on average equityGrowing fee income as a percentage of total revenueFocusing on core commercial ban
Slide 7: Strong Market Share with Growth Opportunity
Strong Market Share with Growth Opportunity 7 Source: SNL Financial. Deposit market share as of June 30, 2016 by city In the top 5 deposit market share position for 39 of the 42 communities we serve Number 1 or 2 deposit market share position in 31 of the 42 communities we serve Solid market share f
Slide 8: Financial Performance: Improved Fee Income and Continued Operating Efficiency
8 Non-Interest Income / Operating Revenue (%) Financial PerformanceImproved Fee Income and Continued Operating Efficiency Efficiency Ratio (%) A reconciliation of non-GAAP financial measures to GAAP measures are included in the second quarter earnings release and Form 10-Q which can be found at www.
Slide 9: Strengthened Balance Sheet Mix
Strengthened Balance Sheet Mix 9 Less reliance on wholesale funding Deposits / Liabilities (%) Liabilities exclude subordinated debt and trust preferred debt. Loans / Assets (%)
Slide 10: Loan and Deposit Composition
Loan and Deposit Composition 10 Deposits Loans Financial information as of June 30, 2017
Slide 11: Superior Credit Quality
Superior Credit Quality 11 NPAs / Assets (%) Net Charge-Offs / Average Loans (%) Essential to our risk management culture
Slide 12: Increasing Capital and Market Value
Increasing Capital and Market Value 12 $ millions
Slide 13: Attractive Stock Performance
Attractive Stock PerformanceThree Year Total Return 13 70.2% 42.9% 33.7% Total Return % Total return reflects stock price performance and shareholder dividends; performance for three year period ended September 22, 2017
Slide 14: The Path Forward
The Path Forward Leverage our size and expanded footprint while maintaining our community, customer, and employee focus as our most important asset. This is what we mean by A True Community BankMaintain our traditionally strong performance metricsContinually becoming more core and less wholesale wit
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