bar harbor bankshares investor relations

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bar harbor bankshares investor relations

2022.07.31
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bar harbor bankshares investor relations

USD | Registering shares in the name of a Trust requires that specific information be provided: the name of the trust and/or the maker or beneficiary and the date of the trust instrument. Please send us a letter of instruction signed by all registered owners stating your intent to transfer. The use of a first name is desirable. Your broker will ask for some basic information about your account, including: Your account number (obtain from your statement or online account), The number of shares you wish to transfer, Whether you hold your shares in DRS (book-entry) or certificate form. IMPORTANT: You must be able to provide the name of the security, the certificate number(s), the name of the registered owner(s), and the number of shares in all communications. Securities and Exchange Commission (SEC) regulations define the financial institutions that are eligible to provide such signature guarantees, e.g., commercial banks, brokers, credit unions, savings and loan institution. Legal DisclaimerForward Looking StatementsCertain statements contained in this document that are not historical facts may constitute forward-looking statements within themeaning of Section 27A of the Securities Act of 1933, as amended (Securities Act), and Section 21E of the Securities Act of1934, as amended (Exchange Act), and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. actually invest, trade, and manage money for a living. DSPPs offer investors the opportunity to buy shares directly from the corporation, via the transfer agent, often without involving a broker.

A custodial registration requires the names of the custodian and the beneficial owner. PURSUANT TO SECTION 13 OR 15(D) OFTHE SECURITIES EXCHANGE ACT OF 1934, Date of Report (Date of earliest event reported): February 28, 2022, (Exact Name of Registrant as Specified in its Charter), (State or Other Jurisdiction)of Incorporation), Registrants telephone number, including area code: (207) 288-3314, (Former Name or Former Address, if Changed Since Last Report). How can I obtain a copy of my 1099?You may download and print a copy of a Broadridge issued 1099 by accessing your online account at investor.broadridge.com. How can I sell my shares that are held in certificate form? Stocks with insider trader activity include BHB, OAK and CVCO, Stocks with insider trader activity include WSTG, CMPR and BHB, Stocks with insider trader activity include RYL, BHB and AAL, Stocks with insider trader activity include GSBC, BHB and OLBK, Stocks with insider trader activity include BHB, CAR and LIN. Each non-GAAP measure used by the Company in this report as supplemental financial data should be considered in conjunction with the Companys GAAP financial information.The Company utilizes the non-GAAP measure of core earnings in evaluating operating trends, including components for core revenue and expense. For financial reporting, their fiscal year ends on December 31st. There are many options when it comes to securities brokers, so make sure you are choosing one that will best suit your needs. If so, you may enroll in the plan in any of the following ways: Make the investment via your online account. Bar Harbor Bankshares (BHB) is a Top Dividend Stock Right Now: Should You Buy? Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (240.12b-2 of this chapter). You can access your account information from our secure website by clicking on the Shareholder Login link, where you can view and manage the following: Use our Plan Wizard to make your initial investment. DRIP - You may elect to have your dividends reinvested in any of the following ways: Make the selection via your online account. Item 9.01 Financial Statements and Exhibits, Cover Page Interactive Data File the cover page XBRL tags are embedded within the Inline XBRL document. 7021: Chartered Banks State Commercial Banks 6022, Director; President and Chief Executive Officer of the Company and BHBT, Executive Vice President, Chief Financial Officer and Treasurer of the Company and BHTS, Executive Vice President, Chief Operating Officer and Chief Risk Officer of BHBT, Executive Vice President and Chief Lending Officer of BHBT, Executive Vice President and Director of Retail Delivery of BHBT, Senior Vice President and Chief Human Resources Officer of BHBT, Bar Harbor Bank & Trust / Bar Harbor Bankshares. If you hold shares in DRS Book-Entry (no certificate), please follow the steps below: How do I transfer registered shares to beneficial or street shares via my broker? Common Equity / Tang. The registered shareholder may be an individual, a trust, a broker, etc. Its products and services consist of checking, deposits, cards, mobile banking, online services, loans, merchant services, trust and fiduciary services, investment planning, education funding, individual retirement planning, insurance and risk management services. What are the more common types of security registrations? Transfer shares to your broker via the transfer process (see FAQ "Ownership Questions").

The broker will then have the shares transferred from Broadridge to your brokerage account. Include any additional instructions indicating how you wish the shares to be transferred.

There are several factors that could cause actual results to differ significantly from expectations described in the forward-looking statements, including deterioration in local economies or real estate markets or in the generaleconomy or financial markets, interest rate volatility, loss of deposits or changes in deposit mix, insufficient wholesale funding sources, competition from an ever-increasing array of financial service providers, and challenges from expansion, growth and acquisitions. Bar Harbor Wealth Management provides trust services, investment management, estate planning, and financial advisory services for individuals, businesses, nonprofit organizations, and municipal clients throughout Northern New England. Bar Harbor Bankshares is primarely in the business of state commercial banks. Bar Harbor Bankshares (NYSE American: BHB) is the parent company of Bar Harbor Bank & Trust, a community bank founded in 1887 and headquartered in Bar Harbor, Maine. The investor presentation is also available on the Companys website located at www.barharbor.bank/sec-filings. Change your elections by completing the form on your account statement and returning it to Broadridge.

If you have lost your share certificates, we can help replace them, by following these steps: Broadridge Corporate Issuer SolutionsP.O. Visit your online account and change your investment elections in the appropriate plan section. These instructions should provide the name, address and Social Security Number for each transferee and should indicate the number of shares to be transferred. Get actionable market insights from a team of experts who Despite continued inflationary pressures in fuel, energy, and transportation costs, were making progress on costs," said CEO Andy Jazzy. You will find the information under the "Plan Purchase Options" section of the website. Example: Mary Smith & Barbara Smith Ten Com. Please refer to page two of the Legal Transfer Form for additional document requirements based on your stock transferring situation. It is suggested that the shipment be insured for 2% of the current value of the shares. On February 28, 2022, Bar Harbor Bankshares (the Company) made available its investor slides that the Company intends to utilize in connection with investor meetings on March 1, 2022. Averages Total average earning assets(E)$3,388$3,359$3,398$3,412$3,440$3,373Total average assets (F)3,756 3,717 3,746 3,764 3,764 3,718 Total average shareholders equity (G)408 407 413 421 423 414 Performance ratios GAAP return on assets 0.92%1.03%0.97%1.16%1.02%1.06%Core return on assets2(A/F)0.98%1.11%1.01%1.16%1.07%1.10%GAAP return on equity 8.42%9.45%8.77%10.38%9.16%9.50%Core return on equity2(A/G)8.99%10.14%9.14%10.39%9.60%9.87%Efficiency ratio2,3(D-O-Q)/(C+N)61.98%61.95%63.45%59.18%60.74%61.29%Net interest margin(B+P)/E3.02%2.88%2.74%3.02%2.79%2.88%Supplementary DataTaxable equivalent adjustment for efficiency ratio(N)$542$595$586$576$573$2,330Franchise taxes included in non-interest expense(O)117 125 128 143 132 528 Tax equivalent adjustment for net interest margin(P)396 433 430 421 369 1,653 Intangible amortization(Q)256 241 233 233 233 940 Dollar values in thousands, except per share amounts or otherwise noted2020Q42021Q12021Q22021Q32021Q4YTD 2021, Interest Rate Risk Analysis22On a quarterly basis, the company measures and reports NII and EVE at risk to isolate the change in income and value related solely to interest-earning assets and interest-bearing liabilities. What are "street name shares" or "beneficial shares"?

Mail your certificates to Broadridge at the address below with a completed Legal Transfer Form which can be downloaded at the right: The Legal Transfer Form must be appropriately signed by all registered holders, exactly as the name(s) appear on the face of the certificate(s) or must be accompanied by a stock power bearing the appropriate signature(s). A copy of the investor presentation is furnished as Exhibit 99.1 to this report and is incorporated by reference herein. Receive full access to our market insights, commentary, newsletters, breaking news alerts, and more. 2022 Broadridge Financial Solutions, Inc. Box 1342 Brentwood, NY 11717 Phone:1-877-456-4860 Fax:215-553-5402 shareholder@broadridge.com. Several types of Joint Registration exist including Joint Tenants with right of survivorship, Tenants by the Entirety and Tenants in common. Please indicate if the registered stockholder is deceased so the appropriate documents may be forwarded to you. A reconciliation of non-GAAP financial measures to GAAP measures is provided in the first quarter of earnings release, which can be found at www.bhbt.com/shareholder-relations. In the event of loss, a surety bond of 2% will be required to replace the certificates. Notification via fax to: (215) 553-5402; attention Lost Securities Dept. These measures exclude amounts which the Company views as unrelated to its normalized operations, including securities gains/losses, acquisition costs, restructuring costs, legal settlements, and system conversion costs.

Non-GAAP financial measures are not a substitute for GAAP measures; they should be read and used in conjunction with the Companys GAAP financial information.

Bar Harbor Bankshares Authorizes Buyback Program of up to 751,000 Shares, Bar Harbor Bankshares announces stock buyback plan, https://www.barharbor.bank/about-us/shareholder-relations/shareholder-relations, Annualized Standard Deviation of Monthly Returns (5Y Lookback), Monthly Value at Risk (VaR) 5% (5Y Lookback). Otherwise, if your shares are not part of such plans, you must take your certificate(s) to a securities broker to sell the shares. NYAM | The Bank operates over 50 banking branches in Maine, New Hampshire, and Vermont. Transfer agents are obligated to ensure that such stamps appear on the transfer documents and are entitled to refuse a transfer of shares if a signature is not guaranteed with a stamp. Changing plan electionsYou may change your plan investment decisions by taking the following steps: Selling shares held in a planYou may sell shares held in a plan by taking one of the following steps: When will I receive my 1099?Form 1099s are typically mailed or sent electronically in January according to IRS guidelines. Include any additional instructions indicating how you wish the shares to be transferred.

DSPP Some companies offer DSPPs, so please visit your online account to determine if a plan is available to you.

Note that this is different from having your signature notarized.

If you keep your stock with your broker in a broker account, you are a "street name" holder and are not directly registered on the company's records as maintained by the transfer agent. Box 1342Brentwood, NY 11717.

The NII analysis below shows the impact of instantaneous parallel shifts in the market yield curve for a period of one year while EVE shows a liquidation calculation over the same shifts in the curve.Change in ChangeChangeChange in ChangeChangeInterest RatesNIINIIInterest RatesEVEEVE(basis points)($ millions)( % )(basis points)($ millions)( % )+40032.16 33.90%+40094.40 24.05%+30025.02 26.40%+30081.42 20.75%+20017.32 18.30%+20059.83 15.25%+1008.75 9.20%+10029.91 7.62%-100(3.83) -4.04%-100(111.62) -28.44%As Of December 31, 2021As Of December 31, 2021-10.00%-5.00%0.00%5.00%10.00%15.00%20.00%25.00%30.00%35.00%40.00% (10.00) (5.00) - 5.00 10.00 15.00 20.00 25.00 30.00 35.00+400+300+200+100-100NII Impact$ Change NII% Change NII-40.00%-30.00%-20.00%-10.00%0.00%10.00%20.00%30.00% (150.00) (100.00) (50.00) - 50.00 100.00 150.00+400+300+200+100-100EVE Impact$ Change EVE% Change EVE, 0000743367false00007433672022-02-282022-02-28. Management also believes that the computation of non-GAAP core earnings and core earnings per share may facilitate the comparison of the Company to other companies in the financial services industry. Jul 29, 16:00, Bar Harbor Bankshares Posts Higher Q2 Core Earnings, Revenue, Bar Harbor Bankshares (BHB) Matches Q2 Earnings Estimates, -- Earnings Flash (BHB) BAR HARBOR BANKSHARES Posts Q2 Revenue $35.5M, -- Earnings Flash (BHB) BAR HARBOR BANK AND TRUST Posts Q2 EPS $0.70, Bar Harbor Bankshares Reports Second Quarter Results; Declares Dividend, Why Bar Harbor Bankshares (BHB) is a Top Dividend Stock for Your Portfolio. Your corporation you own stock in may also support a stock sale plan.

Confirm that Broadridge is the transfer agent - our namewill usually appear on your account statement. 22, Assets:$3,709Net Loans:$2,509Deposits:$3,049Shareholder Equity:$424NPAs / Total Assets:0.27%Employees (FTE):423 Core Return on Average Assets21.07%Core Return on Average Equity29.60%Net Interest Margin22.79%Stock Price$28.93Market cap (MM)$434Price / LTM Core EPS11.08xPrice / Tangible Book Value (Non GAAP)146%Dividend Yield3.32%Overview of Bar Harbor Bank & TrustWe strive to be one of the most profitable banks in New England; and to provide exceptional service to people, businesses and communities we serveBusiness overviewOver 50 locations spanning Northern New England1$2.5 billion in AUM in wealth management and trustCommercial LPO office in Portland, MaineA second LPO is scheduled to open in VermontDiverse fee income sources have been developedSeasoned management team with strong market knowledge and industry experienceTrack record of generating growthEmployee and customer experience is the foundation of superior performance, which leads to significant financial benefit to shareholdersStrong commitment to risk managementContinued commitment to expanding customer services and products, while growing and diversifying our non-interest income sourcesInvestment in process, products, technology, training, leadership and infrastructureExpansion of the Companys brand and business to deepen market presence3Company OverviewSource: Company filings, includes banking, lending and wealth management service locations across ME, VT and NH1Locations include banking, lending and wealth management services2Ratios calculated on quarter-to-date basisKey Statistics as of December 31, 2021Market Data, Positioned for Future Success52012 -2016Expanded key executives Acquired Border Trust Company (2012)Acquired Lake Sunapee Bank Group (2016)2017 -2019Expanded key lending and retail executivesUpgraded core systemsExpanded treasury services BusinessExpanded footprint in critical Southern New Hampshire and Central Maine geographies2020 and BeyondBranch acquisition and divestiture activitiesExecuted on several profitability initiativesFocusing on diversifying income and opportunistically position the balance sheetMerging wealth business & upgrading systems, Seasoned Management TeamSeasoned LeadershipExecutive team has an average of over 26 years experienceColleagues understand the value of working together to deliver results6Curtis C. SimardPresident & Chief Executive OfficerJoined as President and CEO of Bar Harbor Bank & Trust in June of 2013Served as Managing Director of Corporate Banking for TD BankOver 25+ years of industry experienceJosephine IannelliEVP, Chief Financial Officer & TreasurerJoined in October of 2016Served as EVP, CFO & Treasurer of Berkshire Hills Bancorp as well as various management positions at PNCOver 25+ years of industry experienceJennifer SvensonSVP, Human ResourcesJoined in June of 2019Has over 30+ years of experience in human resources across various financial services industriesMarion ColomboEVP, Director of Retail DeliveryJoined in February of 2018Over 30+ years of experience, including Market President of Retail for TD Bank in BostonJohn MercierEVP, Chief Lending OfficerJoined in April of 2017Over 30+ years of experience in lending throughout the NortheastJohn WilliamsSVP, Chief Risk OfficerJoined in December of 20149+ years in various risk management roles within bankingJason EdgarPresident Bar Harbor Trust Services and Charter Trust CompanyJoined in June of 2019Served as SVP, Director of Wealth Management at Berkshire Hills Bancorp and has over 20+ years industry experienceJoseph ScullySVP, Chief Information Officer & Director of OperationsJoined in January of 2015Over 30+ years of experience in operations, technology & security experience, including the Department of Defense and Financial Institutions, Committed to Building Thriving CommunitiesVolunteer community service hours. These instructions should provide the name, address and social security number for each transferee and should indicate the number of shares to be transferred. These non-GAAP measures are intended to provide the reader with additional supplemental perspectives on operating results, performance trends, and financial condition. A surety bond is typically obtained by paying a premium to the surety company equal to 2% of the current value of the shares being replaced.