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Dec 31, 2022

Camden National Q4 2022 Earnings Report

Camden National Corporation reported an increase in fourth quarter net income, driven by core operating earnings and strong asset quality.

Key Takeaways

Camden National Corporation reported Q4 2022 earnings of $15.4 million, with diluted earnings per share of $1.05, representing an 8% increase over the third quarter of 2022. The company's returns on average equity, tangible equity, and assets were 14.03%, 18.18%, and 1.09%, respectively. Loan growth and deposit growth contributed to the solid performance.

Net income increased by 8% over the third quarter of 2022.

Net interest margin decreased to 2.76% due to rising funding costs outpacing asset yields.

Loans grew by 4% during the fourth quarter of 2022.

Deposits grew by 6% during the fourth quarter of 2022.

Total Revenue
$46.8M
Previous year: $48.9M
-4.4%
EPS
$1.05
Previous year: $1.11
-5.4%
Return on Average Assets
1.09%
Return on Average Equity
14.03%
GAAP Efficiency Ratio
57.72%
Previous year: 55.15%
+4.7%
Gross Profit
$45.8M
Previous year: $47.8M
-4.1%
Cash and Equivalents
$75.4M
Previous year: $221M
-65.8%
Free Cash Flow
$19.6M
Previous year: $30.8M
-36.2%
Total Assets
$5.67B
Previous year: $5.5B
+3.1%

Camden National

Camden National