•
Jun 30, 2022

Camden National Q2 2022 Earnings Report

Camden National reported a decrease in net income due to higher provision for credit losses, but saw loan growth and an increase in pre-tax, pre-provision earnings.

Key Takeaways

Camden National Corporation reported a net income of $15.0 million for the second quarter of 2022, with diluted earnings per share of $1.02. Loan growth was strong at 5% for the quarter and 9% for the first half of the year. The company increased its allowance for credit losses due to loan growth and economic outlook.

Net income decreased by 11% compared to the first quarter of 2022, primarily due to an increase in provision for credit loss expense.

Loans grew by 5% during the second quarter of 2022.

Net interest margin decreased 3 basis points to 2.84%, compared to the first quarter of 2022.

The company transferred securities originally designated as available-for-sale to held-to-maturity to help preserve capital.

Total Revenue
$47.7M
Previous year: $44.8M
+6.3%
EPS
$1.02
Previous year: $1.21
-15.7%
Return on Average Equity
13.16%
Previous year: 13.5%
-2.5%
Common Equity Ratio
8.17%
Previous year: 10.59%
-22.9%
Net Interest Margin
2.84%
Previous year: 2.83%
+0.4%
Gross Profit
$46.5M
Previous year: $43.8M
+6.3%
Cash and Equivalents
$76.4M
Previous year: $104M
-26.3%
Free Cash Flow
$26.2M
Previous year: $21.6M
+21.4%
Total Assets
$5.47B
Previous year: $5.15B
+6.1%

Camden National

Camden National

Forward Guidance

The company did not provide specific forward guidance in the press release.