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ACADIA TRUST, NATIONAL ASSOCIATION

5 MILK STREET
PORTLAND, Maine 04101

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 1962888




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$10,127$9,634$12,133
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits000
Borrowings0055
Equity9,2538,73411,108
Net Interest Income172518
Fee Income3,7454,7512
Overhead2,9626,9054,612
Net Operating Income800-2,129466
Net Income520-2,374302
Ratio Analysis Profitability%%%
Return on Assets *-19.50-19.732.57
Operating Return on Assets *-15.81-17.693.97
Return on Equity *-21.87-22.352.72
Net Interest Margin *0.530.620.51
Fee Income / Assets *45.8939.490.02
Overhead / Assets *61.9257.3939.27
Efficiency Ratio78.73144.5890.82
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 / Assets91.3790.6691.55
Tangible Capital / Tangible Assets85.3883.4279.59
Risk-based Capital Ratio289.56261.49252.40
Liquidity%%%
Loans / Depositsn/an/an/a
Non-Interest Bearing Deposits / Depositsn/an/an/a
Purchased Liabilities0.000.000.45

* Calculations are based on the latest four quarters of income and expense.
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