## Founding Date | 1868 |

Lake Sunapee Bank Group is a subsidiary of Bar Harbor Bankshares

USD | FY, 2013 | FY, 2014 | FY, 2015 |
---|---|---|---|

## Revenue | 2.7 m | 8.3 m | 8.5 m |

| 204% | 2% | |

## Cost of goods sold | 6.8 m | 6.9 m | |

## Gross profit | 1.5 m | 1.6 m | |

| 18% | 19% | |

## EBIT | 41 m | 40.2 m | |

| 492% | 475% | |

## Pre tax profit | 13.6 m | 12.6 m | |

## Income tax expense | 3.6 m | 3.6 m | |

## Net Income | 8.4 m | 10 m | 9 m |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 |
---|---|---|---|---|---|---|---|---|---|---|

## Revenue | 14.1 m | 16.3 m | 17.3 m | 17.2 m | 16.8 m | 16.9 m | 16.5 m | 17 m | 18.6 m | 17.9 m |

## Cost of goods sold | 1.5 m | 1.6 m | 1.6 m | 1.7 m | 1.8 m | 1.7 m | 1.6 m | 1.9 m | 2 m | 1.9 m |

## Gross profit | 12.6 m | 14.6 m | 15.7 m | 15.5 m | 15 m | 15.2 m | 14.8 m | 15.1 m | 16.7 m | 16 m |

| 89% | 90% | 91% | 90% | 89% | 90% | 90% | 89% | 89% | 89% |

## Sales and marketing expense | 4.6 m | 6 m | 6.1 m | 6.3 m | 6 m | 6 m | 6.1 m | 6.2 m | 6.1 m | 6.4 m |

## General and administrative expense | 1.1 m | 1.6 m | 1.4 m | 1.3 m | 1.6 m | 1.5 m | 1.5 m | 1.5 m | 1.5 m | 1.4 m |

## Operating expense total | 9.5 m | 11.6 m | 11.7 m | 11.5 m | 11.4 m | 11.5 m | 11.8 m | 11.5 m | 13 m | 12.2 m |

## EBIT | 8 m | 10.3 m | 10 m | 10.6 m | 10 m | 10 m | 10.4 m | 10.5 m | 10.8 m | 10.5 m |

| 56% | 63% | 57% | 62% | 60% | 59% | 63% | 61% | 58% | 59% |

## Pre tax profit | 3 m | 3 m | 3.3 m | 4 m | 3.4 m | 3.5 m | 3.5 m | |||

## Income tax expense | 415 k | 899 k | 994 k | 1.3 m | 1.1 m | 1.1 m | 905 k | 1 m | 1.1 m | 1.2 m |

## Net Income | 2.6 m | 2.1 m | 2.3 m | 2.7 m | 2.3 m | 2.4 m | 2.1 m | 2.5 m | 2.4 m | 2.3 m |

USD | FY, 2013 | FY, 2014 | FY, 2015 |
---|---|---|---|

## Cash | 33.6 m | 51.1 m | 42.6 m |

## Accounts Receivable | 2.6 m | 2.6 m | 2.4 m |

## PP&E | 23.8 m | 24.4 m | |

## Goodwill | 44.6 m | 44.6 m | 44.6 m |

## Total Assets | 1.4 b | 1.5 b | 1.5 b |

## Short-term debt | 20.6 m | 37.6 m | 37.6 m |

## Long-term debt | 121.7 m | 141 m | 150 m |

## Total Debt | 142.4 m | 178.6 m | 187.6 m |

## Additional Paid-in Capital | 101 m | 86.6 m | 80.3 m |

## Retained Earnings | 58.3 m | 63.9 m | 68.3 m |

## Total Equity | 149.3 m | 139.8 m | 136.7 m |

## Debt to Equity Ratio | 1 x | 1.3 x | 1.4 x |

## Debt to Assets Ratio | 0.1 x | 0.1 x | 0.1 x |

## Financial Leverage | 9.5 x | 10.8 x | 11.1 x |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 |
---|---|---|---|---|---|---|---|---|---|---|

## Cash | 22.4 m | 35.9 m | 43.7 m | 40 m | 45.8 m | 65.2 m | 41.9 m | 38.7 m | 54.6 m | 36.1 m |

## Goodwill | 44.8 m | 45 m | 44.6 m | 44.6 m | 44.6 m | 44.6 m | 44.6 m | 44.6 m | ||

## Total Assets | 1.2 b | 1.4 b | 1.5 b | 1.5 b | 1.5 b | 1.5 b | 1.5 b | 1.6 b | 1.6 b | 1.6 b |

## Accounts Payable | 921.4 m | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.1 b |

## Short-term debt | 20.6 m | 20.6 m | 20.6 m | 20.6 m | 37.6 m | 37.6 m | 37.6 m | 36.9 m | 36.9 m | 36.9 m |

## Long-term debt | 124.7 m | 156 m | 171 m | 161 m | 141 m | 146 m | 130 m | 203.4 m | 226.2 m | 202.2 m |

## Total Debt | 145.4 m | 176.6 m | 191.6 m | 181.6 m | 178.6 m | 183.6 m | 167.6 m | 240.2 m | 263.1 m | 239.1 m |

## Total Liabilities | 1.1 b | 1.3 b | 1.3 b | 1.3 b | 1.3 b | 1.4 b | 1.3 b | 1.4 b | 1.4 b | 1.4 b |

## Additional Paid-in Capital | 84.9 m | 101 m | 101.3 m | 101.4 m | 86.6 m | 87.8 m | 88 m | 80.3 m | 80.4 m | 80.4 m |

## Retained Earnings | 57.3 m | 59.4 m | 60.6 m | 62.2 m | 65.1 m | 66.4 m | 67.4 m | 69.6 m | 70.8 m | 72 m |

## Total Equity | 131.6 m | 150.8 m | 152.8 m | 153.9 m | 141.4 m | 142.8 m | 144.2 m | 139.7 m | 141.4 m | 142.4 m |

## Financial Leverage | 9.4 x | 9.5 x | 9.8 x | 9.6 x | 10.5 x | 10.6 x | 10.3 x | 11.2 x | 11.3 x | 11.1 x |

USD | FY, 2013 | FY, 2014 | FY, 2015 |
---|---|---|---|

## Net Income | 8.4 m | 10 m | 9 m |

## Depreciation and Amortization | 1.8 m | 1.7 m | 1.5 m |

## Accounts Receivable | 2.6 m | 2.4 m | |

## Accounts Payable | 1.1 m | ||

## Cash From Operating Activities | 20.5 m | ||

## Purchases of PP&E | (10.5 m) | ||

## Cash From Investing Activities | (1.9 m) | ||

## Dividends Paid | (316 k) | ||

## Cash From Financing Activities | (24.1 m) | ||

## Interest Paid | 6.6 m | ||

## Income Taxes Paid | 2.9 m |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 |
---|---|---|---|---|---|---|---|

## Net Income | 2.6 m | 2.1 m | 2.3 m | 2.7 m | 2.3 m | 4.7 m | 6.9 m |

## Depreciation and Amortization | 1.2 m | 1.9 m | |||||

## Accounts Payable | 1.2 m | ||||||

## Cash From Operating Activities | 5.6 m | 15.8 m | |||||

## Cash From Investing Activities | 6.5 m | 1.8 m | |||||

## Dividends Paid | (40 k) | (60 k) | |||||

## Cash From Financing Activities | 2 m | (26.8 m) | |||||

## Interest Paid | 3.6 m | 5.3 m | |||||

## Income Taxes Paid | 965 k | 1.4 m |

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