Investor Presentaiton
Credit-Oriented Culture
Asset Quality Remained Strong at Q1 2023
• Total delinquencies remain low at 0.41% of total loans.
BAR HARBOR
BANKSHARES
• Non-accruing loans were relatively steady at 0.26% of total loans at Q1 2023
2023 Q1 reflects a nominal net charge-off position.
• Q1 2023 allowance for credit losses
remains well-funded at 0.90% of
total loans and 341% of non-
accruing loans
• Continue to maintain $0 in Bank-
owned Real Estate (OREO) from
foreclosure activity
• Pass Rated loans ratio steady at
97%, with positive external feedback
on ongoing credit administration
Delinquent & Non-performing Loans / Total Loans
Q1 2022
Q2 2022
Q3 2022
Q4 2022
Q1 2023
1
Accruing Delinquent
0.25%
0.12%
0.10%
0.09%
0.27%
Loans
Non-Accruing Loans
0.35%
0.29%
0.27%
0.23%
0.26%
Total Delinquent and
Non-Accruing Loans
0.60%
0.41%
0.37%
0.32%
0.53%
and portfolio management
1
The increase is primarily a function of timing given the 31st day lands on a business day and a group of customers typically make payments
about 30 days in arrears which become reportable as overdue. Accordingly, we do not believe the increase is an indication of deteriorated
credit quality.
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