Camden National Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	273.13	214.65	195.38	144.71	125.44
Interest Income on Investments	47.53	34.91	30.87	28.08	23.05
Total Interest Income	320.66	249.56	226.25	172.79	148.48
Interest Paid on Deposits	97.29	95.81	78.88	20.31	7.92
Interest Paid on Borrowings	20.11	21.3	15.1	4.79	3.13
Total Interest Expense	117.4	117.1	93.98	25.09	11.05
Net Interest Income	203.26	132.45	132.26	147.69	137.44
Net Interest Income Growth (YoY)	53.46%	0.14%	-10.45%	7.46%	0.83%
Trust Income	7.63	7.27	6.67	6.41	6.52
Mortgage Banking Activities	3.52	3.23	2.92	4.22	13.71
Gain (Loss) on Sale of Investments	-	-	-10.31	-0.91	-
Other Non-Interest Income	31.52	25.6	23.92	23.4	22.89
Total Non-Interest Income	52.52	44.54	31.03	40.7	49.74
Non-Interest Income Growth (YoY)	17.92%	43.52%	-23.75%	-18.16%	-1.54%
Revenues Before Loan Losses	255.78	176.99	163.3	188.4	187.17
Provision for Loan Losses	22.29	-0.4	2.1	4.5	-3.19
Revenue	233.49	177.4	161.2	183.9	190.36
Revenue Growth (YoY)	31.62%	10.05%	-12.34%	-3.40%	9.15%
Salaries and Employee Benefits	79.8	61.17	57.22	59.47	58.63
Occupancy Expenses	11.19	6.33	6.14	6.09	6.06
Federal Deposit Insurance	4.28	3.26	3.41	2.34	2.07
Amortization of Goodwill & Intangibles	5.89	0.56	0.59	0.63	0.66
Selling, General & Administrative	22.39	22.43	22.22	21.16	19.79
Other Non-Interest Expense	21.73	16.83	17.73	17.14	16.62
Total Non-Interest Expense	145.55	110.78	107.36	106.85	103.72
EBT Excluding Unusual Items	87.94	66.62	53.84	77.05	86.64
Asset Writedown	-	-	-	-	-0
Pretax Income	78.66	65.46	53.84	77.05	86.64
Income Tax Expense	13.5	12.46	10.45	15.61	17.63
Net Income	65.16	53	43.38	61.44	69.01
Preferred Dividends & Other Adjustments	-	0.01	0.05	0.16	0.19
Net Income to Common	65.16	52.99	43.33	61.28	68.82
Net Income Growth	22.93%	22.18%	-29.39%	-10.98%	16.02%
Basic Shares Outstanding	17	15	15	15	15
Diluted Shares Outstanding	17	15	15	15	15
Shares Change (YoY)	15.96%	0.17%	-0.62%	-1.81%	-0.35%
EPS (Basic)	3.86	3.63	2.98	4.18	4.62
EPS (Diluted)	3.84	3.62	2.97	4.17	4.60
EPS Growth	6.08%	21.89%	-28.78%	-9.35%	16.46%
Dividend Per Share	1.680	1.680	1.680	1.620	1.480
Dividend Growth	-	-	3.70%	9.46%	12.12%
Effective Tax Rate	17.16%	19.03%	19.42%	20.26%	20.34%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.