You can access your account information from our secure website by clicking on the Shareholder Login link, where you can view and manage the following: Use our Plan Wizard to make your initial investment. Analysts also rely on these measures in estimating and evaluating the Companys performance. We recommend that all certificates be sent by registered mail, return receipt requested. 22, Assets:$3,709Net Loans:$2,509Deposits:$3,049Shareholder Equity:$424NPAs / Total Assets:0.27%Employees (FTE):423 Core Return on Average Assets21.07%Core Return on Average Equity29.60%Net Interest Margin22.79%Stock Price$28.93Market cap (MM)$434Price / LTM Core EPS11.08xPrice / Tangible Book Value (Non GAAP)146%Dividend Yield3.32%Overview of Bar Harbor Bank & TrustWe strive to be one of the most profitable banks in New England; and to provide exceptional service to people, businesses and communities we serveBusiness overviewOver 50 locations spanning Northern New England1$2.5 billion in AUM in wealth management and trustCommercial LPO office in Portland, MaineA second LPO is scheduled to open in VermontDiverse fee income sources have been developedSeasoned management team with strong market knowledge and industry experienceTrack record of generating growthEmployee and customer experience is the foundation of superior performance, which leads to significant financial benefit to shareholdersStrong commitment to risk managementContinued commitment to expanding customer services and products, while growing and diversifying our non-interest income sourcesInvestment in process, products, technology, training, leadership and infrastructureExpansion of the Companys brand and business to deepen market presence3Company OverviewSource: Company filings, includes banking, lending and wealth management service locations across ME, VT and NH1Locations include banking, lending and wealth management services2Ratios calculated on quarter-to-date basisKey Statistics as of December 31, 2021Market Data, Positioned for Future Success52012 -2016Expanded key executives Acquired Border Trust Company (2012)Acquired Lake Sunapee Bank Group (2016)2017 -2019Expanded key lending and retail executivesUpgraded core systemsExpanded treasury services BusinessExpanded footprint in critical Southern New Hampshire and Central Maine geographies2020 and BeyondBranch acquisition and divestiture activitiesExecuted on several profitability initiativesFocusing on diversifying income and opportunistically position the balance sheetMerging wealth business & upgrading systems, Seasoned Management TeamSeasoned LeadershipExecutive team has an average of over 26 years experienceColleagues understand the value of working together to deliver results6Curtis C. SimardPresident & Chief Executive OfficerJoined as President and CEO of Bar Harbor Bank & Trust in June of 2013Served as Managing Director of Corporate Banking for TD BankOver 25+ years of industry experienceJosephine IannelliEVP, Chief Financial Officer & TreasurerJoined in October of 2016Served as EVP, CFO & Treasurer of Berkshire Hills Bancorp as well as various management positions at PNCOver 25+ years of industry experienceJennifer SvensonSVP, Human ResourcesJoined in June of 2019Has over 30+ years of experience in human resources across various financial services industriesMarion ColomboEVP, Director of Retail DeliveryJoined in February of 2018Over 30+ years of experience, including Market President of Retail for TD Bank in BostonJohn MercierEVP, Chief Lending OfficerJoined in April of 2017Over 30+ years of experience in lending throughout the NortheastJohn WilliamsSVP, Chief Risk OfficerJoined in December of 20149+ years in various risk management roles within bankingJason EdgarPresident Bar Harbor Trust Services and Charter Trust CompanyJoined in June of 2019Served as SVP, Director of Wealth Management at Berkshire Hills Bancorp and has over 20+ years industry experienceJoseph ScullySVP, Chief Information Officer & Director of OperationsJoined in January of 2015Over 30+ years of experience in operations, technology & security experience, including the Department of Defense and Financial Institutions, Committed to Building Thriving CommunitiesVolunteer community service hours. Some plans do require that investors own a minimum number of shares prior to participating in a plan. Non-GAAP adjustments are presented net of an adjustment for income tax expense. . Securities and Exchange Commission (SEC) regulations define the financial institutions that are eligible to provide such signature guarantees, e.g., commercial banks, brokers, credit unions, savings and loan institution. Item 9.01 Financial Statements and Exhibits, Cover Page Interactive Data File the cover page XBRL tags are embedded within the Inline XBRL document. The costs associated with DSPPs may be higher or lower than the costs of using a broker. Averages Total average earning assets(E)$3,388$3,359$3,398$3,412$3,440$3,373Total average assets (F)3,756 3,717 3,746 3,764 3,764 3,718 Total average shareholders equity (G)408 407 413 421 423 414 Performance ratios GAAP return on assets 0.92%1.03%0.97%1.16%1.02%1.06%Core return on assets2(A/F)0.98%1.11%1.01%1.16%1.07%1.10%GAAP return on equity 8.42%9.45%8.77%10.38%9.16%9.50%Core return on equity2(A/G)8.99%10.14%9.14%10.39%9.60%9.87%Efficiency ratio2,3(D-O-Q)/(C+N)61.98%61.95%63.45%59.18%60.74%61.29%Net interest margin(B+P)/E3.02%2.88%2.74%3.02%2.79%2.88%Supplementary DataTaxable equivalent adjustment for efficiency ratio(N)$542$595$586$576$573$2,330Franchise taxes included in non-interest expense(O)117 125 128 143 132 528 Tax equivalent adjustment for net interest margin(P)396 433 430 421 369 1,653 Intangible amortization(Q)256 241 233 233 233 940 Dollar values in thousands, except per share amounts or otherwise noted2020Q42021Q12021Q22021Q32021Q4YTD 2021, Interest Rate Risk Analysis22On a quarterly basis, the company measures and reports NII and EVE at risk to isolate the change in income and value related solely to interest-earning assets and interest-bearing liabilities. Joint Tenants with Rights of Survivorship, This registration is used when two or more individuals have equal claim to the shares. Please indicate if the registered stockholder is deceased so the appropriate documents may be forwarded to you. The use of a first name is desirable.
Request that Broadridge facilitate the sale of your shares by completing the form attached to your account statement and returning it to Broadridge. Box 1342Brentwood, NY 11717. The broker will then have the shares transferred from Broadridge to your brokerage account. Your corporation you own stock in may also support a stock sale plan. Please send us a letter of instruction signed by all registered owners stating your intent to transfer. To sell shares that are held in a plan, please refer to the FAQ section on "Stock and Dividend Plans. This quarters record results speak to Apples constant efforts to innovate, said CEO Tim Cook. Registered shareholders receive dividends, proxies and other communications directly from the corporation via the transfer agent or the corporation directly. 2022 TheStreet, Inc. All rights reserved. Company mailings, including dividends, will reach you through your broker. How do I transfer my stock and retain as registered shares? below): Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425), Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12), Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)), Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act, Name of each exchange on which registered. There are several factors that could cause actual results to differ significantly from expectations described in the forward-looking statements, including deterioration in local economies or real estate markets or in the generaleconomy or financial markets, interest rate volatility, loss of deposits or changes in deposit mix, insufficient wholesale funding sources, competition from an ever-increasing array of financial service providers, and challenges from expansion, growth and acquisitions. A members-only investing club that helps you grow your portfolio with Bar Harbor Bankshares Inc is a bank holding company along with its subsidiaries that offers a full range of financial services products, brokerage services through third-party brokerage arrangements and also trust and investment management services to individuals, businesses, non-profit organizations, and municipalities. topics pulled from TheStreets premium content. Management also believes that the computation of non-GAAP core earnings and core earnings per share may facilitate the comparison of the Company to other companies in the financial services industry. Otherwise, if your shares are not part of such plans, you must take your certificate(s) to a securities broker to sell the shares. The NII analysis below shows the impact of instantaneous parallel shifts in the market yield curve for a period of one year while EVE shows a liquidation calculation over the same shifts in the curve.Change in ChangeChangeChange in ChangeChangeInterest RatesNIINIIInterest RatesEVEEVE(basis points)($ millions)( % )(basis points)($ millions)( % )+40032.16 33.90%+40094.40 24.05%+30025.02 26.40%+30081.42 20.75%+20017.32 18.30%+20059.83 15.25%+1008.75 9.20%+10029.91 7.62%-100(3.83) -4.04%-100(111.62) -28.44%As Of December 31, 2021As Of December 31, 2021-10.00%-5.00%0.00%5.00%10.00%15.00%20.00%25.00%30.00%35.00%40.00% (10.00) (5.00) - 5.00 10.00 15.00 20.00 25.00 30.00 35.00+400+300+200+100-100NII Impact$ Change NII% Change NII-40.00%-30.00%-20.00%-10.00%0.00%10.00%20.00%30.00% (150.00) (100.00) (50.00) - 50.00 100.00 150.00+400+300+200+100-100EVE Impact$ Change EVE% Change EVE, 0000743367false00007433672022-02-282022-02-28. Broadridge can support the sale of your shares if they are held in DRS (no certificates) as part of a Dividend Reinvest Plan (DRIP), Employee Stock Purchase Plan (ESPP) or Direct Stock Purchase Plan (DSPP). PURSUANT TO SECTION 13 OR 15(D) OFTHE SECURITIES EXCHANGE ACT OF 1934, Date of Report (Date of earliest event reported): February 28, 2022, (Exact Name of Registrant as Specified in its Charter), (State or Other Jurisdiction)of Incorporation), Registrants telephone number, including area code: (207) 288-3314, (Former Name or Former Address, if Changed Since Last Report). Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. Bar Harbor Bankshares, an independent community banking organization, encourages and supports the personal and professional development of its employees; dedicates itself to consistent service of the highest level for all customers; and recognizes its responsibility to be an active participant in, and advocate for, community growth and prosperity.
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