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Sep 30, 2022

Camden National Q3 2022 Earnings Report

Camden National's financial performance decreased slightly due to higher provision for credit losses and reduced SBA PPP loan income, offset by net interest margin expansion.

Key Takeaways

Camden National Corporation reported a net income of $14.3 million for Q3 2022, a 5% decrease compared to the previous quarter. This decrease was primarily due to higher provision for credit losses and less SBA PPP loan income, although net interest margin expanded by 4 basis points quarter-over-quarter.

Net income decreased by 5% compared to the second quarter of 2022.

Net interest margin increased 4 basis points to 2.88% compared to the second quarter of 2022.

Loans grew by $136.5 million, or 4%, during the third quarter of 2022.

The allowance for credit losses on loans increased to 0.95% of total loans.

Total Revenue
$47.8M
Previous year: $45.8M
+4.2%
EPS
$0.97
Previous year: $0.97
+0.0%
Return on Average Equity
12.5%
GAAP Efficiency Ratio
56.71%
Common Equity Ratio
7.76%
Previous year: 9.92%
-21.8%
Gross Profit
$46.6M
Previous year: $44.7M
+4.1%
Cash and Equivalents
$82M
Previous year: $380M
-78.4%
Free Cash Flow
$14.8M
Previous year: $26.8M
-44.7%
Total Assets
$5.55B
Previous year: $5.5B
+0.9%

Camden National

Camden National

Forward Guidance

Camden National will host a conference call and webcast at 3:00 p.m., Eastern Time, on Tuesday, October 25, 2022 to discuss its third quarter 2022 financial results and outlook.