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SAFE & SOUND® STAR RATINGS

Financial statement

ACADIA TRUST, NATIONAL ASSOCIATION
5 MILK STREET
PORTLAND, Maine 04101

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 1962888




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$12,133$12,301$13,869
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits000
Borrowings551680
Equity11,10811,20612,682
Net Interest Income18-54-3
Fee Income242
Overhead4,6125,0995,178
Net Operating Income4669841,158
Net Income302424776
Ratio Analysis Profitability%%%
Return on Assets *2.573.385.91
Operating Return on Assets *3.977.868.82
Return on Equity *2.723.666.25
Net Interest Margin *0.51-1.46-0.08
Fee Income / Assets *0.020.030.02
Overhead / Assets *39.2740.7639.44
Efficiency Ratio90.8283.8281.72
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets91.5591.1091.44
Tangible Capital / Tangible Assets79.5977.3781.10
Risk-based Capital Ratio252.40249.77227.46
Liquidity%%%
Loans / Depositsn/an/an/a
Non-Interest Bearing Deposits / Depositsn/an/an/a
Purchased Liabilities0.451.370.00

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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