The Camden National Bank (ME)

The Camden National Bank (ME) is headquartered in Camden and is the 3^rd largest bank in the state of Maine. It is also the 304^th largest bank in the nation. It was established in 1875 and as of March of 2012, it had grown to 253 employees at 39 locations. The Camden National Bank (ME) has a 4-star health rating.

The Camden National Bank (ME) Checking Account Rates

The Camden National Bank (ME) Savings Account Rates

The Camden National Bank (ME) Money Market Rates

Data for Q1 2012

Institution Statistics The Camden National Bank FDIC Certificate # 4255 BankRate Report View Year Established 1875 Employees 253 Primary Regulator OCC Assets and Liabilities Assets $2.31 billion Loans $1.50 billion Deposits $1.57 billion Equity Capital $242.28 million Loan Loss Allowance $23.01 million Unbacked Noncurrent Loans $21.91 million Real Estate Owned $1.90 million Historic Data - March 2011 Assets $2.32 billion Equity Capital $224.79 million Loan Loss Allowance $22.89 million Unbacked Noncurrent Loans $19.26 million Real Estate Owned $2.19 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 1.2% Return on Equity 11.4% Interest Income $22.95 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Camden National Bank (ME) had $23.81 million in non-current loans and owned real-estate with $265.29 million in equity and loan loss allowances on hand to cover it. This gives The Camden National Bank (ME) a Texas Ratio of 8.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Camden National Bank (ME) held steady from 8.24% as of March 31, 2011 to 8.98% as of March 31, 2012, resulting in a negative change of 8.98%. This indicates that the balance sheet and financial strength for The Camden National Bank (ME) has held steady in recent periods. Deposit Growth In the past year, The Camden National Bank (ME) has increased its total deposits by $6.62 million, resulting in 0.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Camden National Bank (ME) has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Camden National Bank (ME) has $2.31 billion in assets with $265.29 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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