Investor Presentaiton
Non-GAAP to GAAP Reconciliations
GAAP net income
Plus (less):
Gain sale of securities, net
(Gain) loss on sale of fixed assets, net
Loss on other real estate owned
Loss on debt extinguishment
Acquisition, restructuring and other expenses
Income tax expense¹
Total core earnings²
Net-interest income
Plus: Non-interest income
Total Revenue
Plus: Gain on sale of securities, net
Total core revenue²
Total non-interest expense
Less: Gain (loss) on sale of premises and equipment, net
Less: Loss on other real estate owned
Less: Loss on debt extinguishment
Less: Acquisition, restructuring and other expenses
Core non-interest expense²
Audited
YTD 2021
2022Q1
2022Q2
2022Q3
Unaudited
BAR HARBOR
BANKSHARES
2022Q4
YTD 2022
2023Q1
39,299
9,112
10,503
11,430
12,512
43,557
13,012
(2,870)
(9)
(44)
(53)
378
(75)
10
75
10
དྷེའུ
(34)
(13)
2,851
1,667
325
(479)
(56)
(2)
31
3
(90)
4
266
20
(51)
6
(A)
$
40,846 $
9,297 $
10,511 $
11,420 $
12,501 $
43,729
$
12,991
(B)
95,573
42,261
$24,298
9,309
$26,519
$29,910
$32,954
113,681
8,961
8,823
8,228
35,321
30,906
9,184
137,834
33,607
35,480
38,733
41,182
149,002
40,090
(2,870)
(9)
(44)
(53)
(34)
(C)
134,964
$33,598
$35,480
$38,689
$41,182
$148,949
$40,056
(D)
90,508
21,886
(378)
75
21,700
(10)
23,032
24,635
91,253
22,704
(75)
(10)
13
(2,851)
(1,667)
85,612
(325)
$21,636
$21,690
(31)
90
$23,001
$24,650
(266)
$90,977
(20)
$22,697
(1) Assumes a marginal tax rate of 23.80% in the first quarter of 2023, 23.53% in the fourth quarter of 2022, 23.41% in the first 3 quarters of 2022 and 23.71% in 2021.
(2) Non-GAAP financial measure.
Dollar values in thousands, except per share amounts or otherwise noted
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