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Mar 31, 2022

Bar Harbor Bankshares Q1 2022 Earnings Report

Reported net income of $9.1 million and EPS of $0.60, demonstrating a strong start to the year with loan growth and net interest margin expansion.

Key Takeaways

Bar Harbor Bankshares reported a solid first quarter with strong commercial loan growth, expanded net interest margin, and increased fee-based income. The company effectively managed expenses and maintained credit quality and capital levels.

Net income was $9.1 million, or $0.60 per diluted share.

Annualized commercial loan growth reached 21%.

Net interest margin expanded to 2.95%.

Fee-based revenue increased by 11%.

Total Revenue
$33.6M
Previous year: $33.7M
-0.2%
EPS
$0.62
Previous year: $0.68
-8.8%
Net interest margin
2.95%
Previous year: 2.88%
+2.4%
Loan to deposit ratio
87%
Gross Profit
$33.6M
Previous year: $33.7M
-0.2%
Cash and Equivalents
$111M
Previous year: $224M
-50.3%
Free Cash Flow
$17.5M
Previous year: $13.7M
+27.3%
Total Assets
$3.69B
Previous year: $3.73B
-1.0%

Bar Harbor Bankshares

Bar Harbor Bankshares

Bar Harbor Bankshares Revenue by Segment

Forward Guidance

The asset sensitivity of the balance sheet positions the company to expect to further benefit from any potential Fed rate hikes.