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Mar 31, 2023

Camden National Q1 2023 Earnings Report

Camden National's financial performance decreased due to interest rate volatility, seasonal deposit outflows, deposit competition, and a loss on an investment security.

Key Takeaways

Camden National Corporation reported a net income of $12.7 million and diluted earnings per share of $0.87 for Q1 2023. The results were impacted by interest rate volatility, seasonal deposit outflows, increased deposit competition, and a $1.8 million loss on an investment security. The company's capital, liquidity, and asset quality remained strong.

Uninsured FDIC and uncollateralized deposits were 15% of total deposits.

Available liquidity sources totaled $1.3 billion, representing 28% of total deposits.

Loan-to-deposit ratio was 88%.

Asset quality remained strong, with non-performing assets at 0.09% of total assets.

Total Revenue
$44.1M
Previous year: $46.2M
-4.4%
EPS
$0.87
Previous year: $1.13
-23.0%
Common Equity Ratio
8.13%
Previous year: 8.9%
-8.7%
Net Interest Margin
2.54%
Non-Performing Assets to Total Assets
0.09%
Previous year: 0.12%
-25.0%
Gross Profit
$52.7M
Previous year: $45.1M
+16.8%
Cash and Equivalents
$75.7M
Previous year: $139M
-45.7%
Free Cash Flow
$14M
Previous year: $42.4M
-66.9%
Total Assets
$5.72B
Previous year: $5.42B
+5.5%

Camden National

Camden National

Forward Guidance

Camden National will host a conference call and webcast at 3:00 p.m., Eastern Time, on Tuesday, April 25, 2023 to discuss its first quarter 2023 financial results and outlook.