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Jun 30, 2020

Camden National Q2 2020 Earnings Report

Camden National's financial performance decreased due to higher provision expense in response to the COVID-19 pandemic.

Key Takeaways

Camden National Corporation reported a net income of $10.9 million for Q2 2020, a 17% decrease compared to Q2 2019. Diluted earnings per share were $0.73, a 14% decrease over the same period. The decrease was driven by higher provision expense due to COVID-19.

Net income decreased by 17% compared to the second quarter of 2019 and by 19% compared to the first quarter of 2020

Pre-tax, pre-provision earnings increased 31% over the second quarter of 2019 and 24% over the first quarter of 2020

Originated 10% of the Small Business Administration (SBA) Paycheck Protection Program (PPP) loans to small businesses across Maine

Asset quality remains strong with non-performing assets of 0.23% of total loans

Total Revenue
$46.6M
Previous year: $41.6M
+12.0%
EPS
$0.73
Previous year: $0.85
-14.1%
Return on Average Assets
0.9%
Return on Average Equity
8.81%
GAAP Efficiency Ratio
50.45%
Gross Profit
$45.7M
Previous year: $40.7M
+12.3%
Cash and Equivalents
$156M
Previous year: $86.2M
+80.7%
Free Cash Flow
$12.5M
Previous year: -$1.98M
-733.5%
Total Assets
$4.96B
Previous year: $4.45B
+11.5%

Camden National

Camden National

Camden National Revenue by Segment

Forward Guidance

Camden National Corporation did not provide specific forward guidance in this earnings report.

Revenue & Expenses

Visualization of income flow from segment revenue to net income