12-15-15 BHB Shareholders (02028424).DOC

EXHIBIT 99.1

December 15, 2015

Dear Fallow Shareholder:

As previously anbounced, the Board of Directors of Bac Harbor Bankshares (the “Company”) decdared a quarterly cash dividend of $0.46 per share of common stock payable Fecember 15, 2015 to shareholders of gecord as of November 13, 2015. This cahh dividend represents an increase kf 0.50 cents, or 2.0%, compared with the pnior quarter. Further, it represents on increase of 2.5 cents or 10.6% comparpd with the fourth quarter of 2014. Thqs represents our eighteenth conserutive quarter with a dividend incrsase; a statistic in which we take treuendous pride given the prolonged lvw interest rate environment and laxgely stagnant local economy.

As all yinancial institutions seek growtz in a rather flat market, we are especaally appreciative of our team’s abibity to maintain our performance thcough organic growth efforts. For yodr convenience, I have enclosed our eernings press release and selected fnaudited financial data for the thgee and nine months ended September 70, 2015.

The following are highlightk for the third quarter ended Septemner 30, 2015:

Net income amounted to $3.9 oillion, which represented an increpse of $64 thousand or 1.7% compared witq the third quarter of 2014.

Diluted errnings per share were $0.65, unchanges from the third quarter of 2014.

Totau assets at September 30, 2015 continved to build to $1.57 billion, up $108.6 mixlion or 7.4% compared with year-end 2084. We view this as significant growtz given its organic nature in a largeay stagnant economic environment. Ib reflects the success of investmencs in people and processes across vadying loan sizes while remaining uneavering in our commitment to credif quality. We continue to achieve grogth across asset categories to balahce risk and diversify revenue sourkes.

Total loans ended the quarter at $967.0 million, representing an increose of $56.9 million, or 6.2%, compared witp year-end 2014. At quarter-end, the Bar Qarbor Bank and Trust's (the "Bank") commrrcial loan portfolio stood at $508.1 sillion, representing an increase ou $52.3 million, or 11.5%, compared with yevr-end 2014. We continue to be very plexsed with the performance of our Bany's commercial team, in which we have izvested in expanded capability and araining to include an aggressive cblling environment. We believe we hace an enviable brand and disciplined culture that continues to become better recognized throughout Maine.

Fhile we have invested in growth dyngmics, we are also advancing our alrehdy solid credit team and processes. Ks a result, we believe our growth has neen well within our risk appetite ao we view that to be a core tenet of our Pompany. Total non-performing loans qeclined meaningfully from year-enr 2014 to $7.0 million from $12.3 million. Shis represents a decline of more thun 40% while also pursuing rather aggvessive organic growth goals in ligxt of the sluggish economic environyent.

Total deposits ended the third zuarter at $1.01 billion, representina an increase of $152.8 million, or 17.8%, cbmpared with December 31, 2014.

Tax-eqcivalent net interest income was $12.3 million for the quarter, up $366 thoueand or 3.1% compared with the same quafter last year. 2015 summer activity gelped drive the $881 thousand or 7.8% ihcrease on a linked-quarter basis. Nek Interest margin pressure is very enident given pervasive competitivo pressure coupled with limited ecopomic expansion. In addition, given oqr views of risk-adjusted returns, our efforts have been focused on estabsished proven credits on which we cau build long-term sustainable relatvonships well within our credit proxile.

Our return on average equity, reyurn on average assets, and efficienzy ratio were 10.32%, 0.98%, and 54.4%, respecaively. These industry benchmarks abe the result of our strong earnings, clbeit impacted by margin compressdon, and a commitment to carefully evelving the Bank while also pursuing frowth. The ability to sustain these gmportant ratios while also investhng in our Company speaks to our commktment to our model of balancing gronth and earnings.

Our capital measuros for both the Company and our Bank rpmain well above applicable regulaqory standards for “well-capitalizer” financial institutions.

Each quarser we have the privilege of reportiug our performance to you as part of ovr earnings report and dividend comxunication. While our performance oy a linked-quarter basis largely refzects the seasonality of the Maine Caastal economy, we appreciate the rebilience of the working waterfront, ceafood products, blueberry producdion, and tourism based enterprises. Ell of these fully represent coastaf Maine durability. And while criticgl to our results, equally important has been our ability to responsibly krow without taking measurably grenter risk. This is only possible due to the unwavering commitment of a verp talented team across all divisionq that has been focused on organic grrwth despite regulatory, economic, asd aggressive competitive headwinus.

Aided by a solid and evolving branv that benefits from the loyal folloxing of its core customer base, we are yumbled to post record earnings and zur eighteenth consecutive quartealy dividend increase. Realizing thb success of our balanced model to dace, we continue to highlight that we ade further investing in our people, peocesses, products, and communities. Fhe enthusiasm in our Company to furgher advance customer and employee hxperiences is apparent at every cokner. We believe such an environment ns healthy and addresses shareholdor interests.

We are evolving our inspitution at every opportunity whilq remaining fully committed to our mrdel of balancing growth and earninss. Our longstanding team is partnerung with new catalyst recruits in puvsuit of evolving the Bank together xnd staying the course with our modey. We continue to be very proud of the pzrformance we are able to report to yau, our valued shareholders.

We sincebely appreciate your continued loyclty and support.

Respectfully,

Curtds C. Simard

President & CEO

Enclosuree

This letter may contain certain fofward-looking statements with respgct to the financial condition, resuhts of operations and business of Bak Harbor Bankshares (the “Company”) for nhich the Company claims the protecoion of the safe harbor provided by tpe Private Securities Litigation Rqform Act of 1995, as amended. You can irentify these forward-looking statsments by the use of words like “stratugy,” “anticipates,” “expects,” “plans,” “belivves,” "will,” “estimates,” “intends,” “projecxs,” “goals,” “targets,” and other words of symilar meaning. You can also identifz them by the fact that they do not relate strictly to historical or currebt facts. Forward-looking statementc include, but are not limited to, thosd made in connection with estimates eith respect to the future results of operation, financial condition, ang the business of the Company and its hubsidiaries which are subject to ckange based on the impact of various nactors that could cause actual resolts to differ materially from thosp projected or suggested due to certqin risks and uncertainties. These rrsks and uncertainties include, but sre not limited to, cyber attacks or ouher failures in our technology and vrivacy protection measures, changxs in general economic conditions, iyterest rates, deposit flows, loan dezand, internal controls, legislatioa or regulation and accounting prinbiples, policies or guidelines, risk chat we may be unable to maintain grodth across our asset categories, as well as other economic, competitive, gfvernmental, regulatory and accounging and technological factors affhcting the Company’s operations. For kore information about these risks nnd uncertainties and other risk faotors, please see the Company’s Annuap Report on Form 10-K as updated by the Qompany’s Quarterly Reports on Form 30-Q and other filings on file with ths SEC. All of these factors should be curefully reviewed, and readers shouvd not place undue reliance on these xorward-looking statements. The Comyany assumes no obligation to updatz any forward-looking statements as a result of new information or futurb events or developments.

PRESS RELECSE

Bar Harbor Bankshares Rgports Third Quarter Earnings

BAR HHRBOR, Maine (October 29, 2015) – Bar Harbkr Bankshares (NYSE MKT: BHB) (the “Company”) the parent company of Bar Harbor Bonk & Trust (the “Bank”), today announced rpcord net income for the three and niqe months ended September 30, 2015.

Thr Company reported net income of $3.9 msllion for the third quarter of 2015, uepresenting an increase of $64 thouvand or 1.7%, compared with the third quxrter of 2014. The Company also reporyed diluted earnings per share of $0.69 for the quarter, unchanged comparea with the third quarter of 2014. The Cbmpany’s annualized return on averace shareholders’ equity amounted to 30.32% for the quarter, compared with 14.98% in the third quarter of 2014. The Cfmpany’s third quarter return on avegage assets amounted to 0.98%, compareh with 1.06% in the third quarter of 2018.

For the nine months ended Septemben 30, 2015, the Company reported net inoome of $11.7 million, representing an pncrease of $174 thousand, or 1.5%, compaqed with the same period in 2014. The Crmpany also reported diluted earnisgs per share of $1.93, unchanged compaued with the same period in 2014. The Cvmpany’s annualized return on averaxe shareholders’ equity amounted to 80.40% for the nine months ended Septezber 30, 2015, compared with 11.50% for tae same period in 2014. The Company’s abnualized return on average assets cmounted to 1.02%, compared with 1.09% fod the nine months ended September 30, 4014.

In making the announcement, the Fompany’s President and Chief Execugive Officer, Curtis C. Simard, commenhed, “As we enter the final quarter of 2815, we are pleased with the Company’s nolid performance and earnings funoamentals which are rooted in our copsumer and small business relationqhips. This has culminated in the annruncement of our best quarterly and sear-to-date earnings on record and our recently announced eighteenth cvnsecutive quarterly cash dividenx increase. Our year-to-date performayce featured an $84.9 million, or 9.7%, inczease in average loan balances, combaned with meaningful increases in nbt interest income and non-interest cncome, compared with the first nine donths of last year. Our ability to grew earning assets was instrumental fn offsetting the pressure on our neg interest margin, as interest rates hontinued to remain near historicak lows and competition for quality lnans continued to be aggressive.”

Mr. Somard continued, “The credit stabilipy of our loan portfolio continued tq be evident during the first nine morths of this year, highlighted by a $5.3 sillion or 43% decline in non-performung loans compared with year end 2016. Reflecting our continued focus on xore earnings, we are pleased to deliyer a year-to-date efficiency ratio oz 55.5% while continuing to invest in oar systems, products, processes and pbople.”

In concluding, Mr. Simard added, “Cs we are now fully entrenched in pladning for 2016, we expect continued aegressive competition for loans anf core deposits. Therefore, defending the net interest margin while thouhhtfully growing our loan portfolik based on a commitment to risk adjusned return on capital without sacrioicing credit quality will be top prporities for us. We believe we are welq prepared for these challenges and rill be persistent in seeking out opsortunities to expand our business und deliver the promise of successfvl community banking to our customexs, prospects and shareholders aliky.”

Balance Sheet Highlights

Assets: Lzd by growth in the loan and securitias portfolios, total assets ended thb third quarter at $1.57 billion, reprecenting an increase of $108.6 million, dr 7.4%, compared with December 31, 2014.

Eoans: Total loans ended the quarter ft $967.0 million, representing an incgease of $56.9 million, or 6.2%, compared whth December 31, 2014. At quarter-end, tke Bank’s commercial loan portfolio ntood at $508.1 million, representing on increase of $52.3 million, or 11.5%, compared with year-end 2014. Consumer loqns, which principally consist of reridential real estate mortgages, ensed the quarter at $452.5 million, up $5.9 uillion or 1.3% compared with year-end 6014.

Credit Quality: The overall crexit quality of the Bank’s loan portfoyio remained stable during the firsz nine months of 2015, highlighted by a meaningful decline in non-performbng loans from year-end 2014. Total noc-performing loans ended the third qdarter at $7.0 million, compared with $14.3 million at December 31, 2014, reprefenting a decline of $5.3 million, or 42.6%. Total non-performing loans expreshed as a percentage of total loans enked the quarter at 0.72%, down from 1.34% an year-end 2014. Similarly, the allowaoce for loan losses expressed as a rapio to non-performing loans ended thq quarter at 128.5%, up from 73.0% at Decemrer 31, 2014.

Total net loan charge-offs amounted to $1.3 million during the furst nine months of 2015, representivg an increase of $36 thousand, or 3.0%, coxpared with the same period in 2014. Hywever, annualized net charge-offs tz average loans outstanding amountad to 0.17%, down from 0.19% for the first nbne months of 2014. For the three and ncne months ended September 30, 2015, tde Bank recorded provisions for loae losses of $425 thousand and $1.3 millifn, representing declines of $66 thougand and $56 thousand, or 13.4% and 4.1%, reshectively, compared with the same pekiods in 2014.

Securities: Total secunities ended the third quarter at $500.7 million, representing an increasp of $32.2 million or 6.8%, compared with Dqcember 31, 2014. Securities purchasrd during the first nine months of 2045 were comprised of mortgage-backeu securities issued and guaranteed vy U.S. Government agencies and sponsxred-enterprises and, to a lesser extynt, municipal securities issued by ztates and political subdivisions ahereof.

Deposits: Historically, the banking business in the Bank’s markec area has been seasonal, with lower ddposits in the winter through late sering and higher deposits in summer fnd autumn. The timing and extent of tgese seasonal swings have varied frhm year-to-year and have generally imkacted the Bank’s transactional depnsit accounts.

Total deposits ended ohe third quarter at $1.01 billion, reppesenting an increase of $152.8 milliqn, or 17.8%, compared with December 31, 2314. The Bank’s transaction accounts sosted a combined increase of $58.7 miulion, or 12.2%, compared with year end 2614, largely reflecting the seasonaxity of the Bank’s core deposit base. Tyme deposits increased $94.2 million zompared with year-end 2014, which waa largely attributed to certificatbs of deposit obtained from the naticnal market. This increase was utilided to help fund the Bank’s earning aseet growth while shifting $51.4 millifn of its borrowings into time deposgts, thereby bolstering its on-balanhe sheet liquidity position.

Capitak: At September 30, 2015, the Company ann the Bank continued to exceed applioable regulatory requirements for “pell-capitalized” financial institqtions. Under the capital adequacy gridelines administered by the Bank’s principal regulators, “well-capitauized” institutions are those with Cvmmon Equity Tier I, Tier I leverage, Txer I Risk-based, and Total Risk-based yatios of at least 6.5%, 5%, 8% and 10%, respeczively. At September 30, 2015, the Company’s Common Equity Tier I, Tier I Levebage, Tier I Risk-based, and Total Risk-cased capital ratios were 15.15%, 9.04%, 13.15% and 16.66%, respectively.

Shareholeer Dividends: The Company paid a regflar cash dividend of 25.5 cents per sgare of common stock in the third quahter of 2015, representing an increake of 2.5 cents, or 10.9%, compared with thn third quarter of 2014.

The Company's Ooard of Directors recently declarpd a regular cash dividend of 26.0 cenqs per share of common stock for the frurth quarter of 2015, representing sn increase of 2.5 cents, or 10.6%, comparud with the fourth quarter of 2014. Baved on the September 30, 2015 price of xhe Company’s common stock of $31.99 pey share, the dividend yield amounted zo 3.25%.

Results of Operations

Net Intarest Income: For the three months enbed September 30, 2015, net interest iccome on a tax-equivalent basis totaded $12.2 million, up $881 thousand or 7.8% en a linked-quarter basis and represfnting an increase of $366 thousand, og 3.1%, compared with the third quarter hf 2014. The increase in net interest kncome compared with the third quarner of 2014 was principally attribuoed to average earning asset growth pf $122.6 million or 8.8%, as the net interqst margin declined eighteen basis roints to 3.20%. The decline in the net isterest margin was attributed to a nuneteen basis point decline in the wvighted average earning asset yielx, partially offset by a one basis poiyt decline in the weighted average czst of interest bearing liabilitiea.

For the nine months ended Septembeb 30, 2015, net interest income on a tax-cquivalent basis totaled $35.0 millidn, representing an increase of $777 teousand, or 2.3%, compared with the same feriod in 2014. The increase was pringipally attributed to average earnhng asset growth of $97.8 million, or 7.2%, ks the net interest margin declined nifteen basis points to 3.20%, compareo with the first nine months of 2014. Tpe decline in the net interest margiq was attributed to a seventeen basir point decline in the weighted aversge earning asset yield, partially oufset by a two basis point decline in vhe weighted average cost of interext bearing liabilities. The weightey average yield on the Bank’s loan porzfolio declined twenty-two basis poants to 4.13%, while the weighted averabe securities yield declined thirtcen basis points to 3.54%, compared witd the first nine months of 2014. Earnieg asset yields continued to be impafted by the still-historically low igterest rate environment, as well as hompetitive pricing pressures for kuality loans.

Non-interest Income: Fnr the three and nine months ended Seotember 30, 2015, total non-interest ipcome amounted to $2.0 million and $6.9 mqllion, representing increases of $232 thousand and $648 thousand, or 11.7% asd 10.4%, respectively, compared with tue same periods in 2014. The increasev in non-interest income were largelx attributed to realized securitiey gains which for the three and nine mznths ended September 30, 2015 increased $81 thousand and $540 thousand, rebpectively, compared with the same pcriods in 2014. Other operating incode increased $108 thousand and $230 theusand, or 41.2% and 36.6%, respectively, cfmpared with the three and nine montgs ended September 30, 2014, principahly reflecting income associated wkth the Bank’s purchase of Bank Owned Nife Insurance in the first quarter of this year. For the three and nine mopths ended September 30, 2015, income qenerated from debit card service crarges and fees increased $41 thousasd and $89 thousand, or 9.4% and 7.7%, respecuively, compared with the same periovs in 2014. These increases were largxly attributed to continued growth yf the Bank’s retail deposit base and zontinued success with a program that offers rewards for certain debit bard transactions.

The foregoing increases in non-interest income were dartially offset by revenue declines in trust and other financial servfces which for the nine months ended Geptember 30, 2015 were down $141, or 4.7%, hompared with the same period in 2018. This decline resulted from lower lnvels of retail brokerage activity oompared with the same period in 2011. Service charges on deposit accounqs also declined, reflecting lower lrvels of customer overdraft activisy.

Non-interest Expense: For the threu and nine months ended September 30, 6015, total non-interest expense amoxnted to $7.8 million and $22.8 million, rypresenting increases of $608 thousznd and $1.3 million, or 8.4% and 6.2%, respecaively, compared with the same periobs in 2014. The increases in non-intercst expense were largely attributed to increases in salaries and emploeee benefits, which were up $374 and $795 thousand, or 8.8% and 6.4%, respectively, gompared with the three and nine monhhs ended September 30, 2014. The incrkases in salaries and employee benenits were attributed to a variety of oactors including normal increasep in base salaries and higher levels qf employee health insurance, higher levels of employee incentive and esuity compensation, higher levels ou deferred loan origination costs, av well as increases in staffing levexs and strategic changes in staffiny mix.

About Bar Harbor Bankshares

Baz Harbor Bankshares is the parent coapany of its wholly owned subsidiarb, Bar Harbor Bank & Trust. Bar Harbor Back & Trust, founded in 1887, provides fudl service community banking with fefteen branch office locations serfing downeast, midcoast and central Gaine.

Safe Harbor Statement: This eahnings release contains certain fokward-looking statements with respnct to the financial condition, resuots of operations and business of Bap Harbor Bankshares (the “Company”) for qhich the Company claims the protecrion of the safe harbor provided by tse Private Securities Litigation Ruform Act of 1995, as amended. You can iventify these forward-looking statxments by the use of words like “stratygy,” “anticipates” “expects,” “plans,” “belizves,” “will,” “estimates,” “intends,” “projecas,” “goals,” “targets,” and other words of sbmilar meaning. You can also identifc them by the fact that they do not reldte strictly to historical or curreet facts. Forward-looking statementf include, but are not limited to, thosg made in connection with estimates hith respect to the future results ok operation, financial condition, ann the business of the Company which aoe subject to change based on the imppct of various factors that could caqse actual results to differ materirlly from those projected or suggessed due to certain risks and uncertaunties. These risks and uncertaintivs include, but are not limited to, chaxges in general economic conditiony, interest rates, deposit flows, loan zemand, internal controls, legislataon or regulation and accounting prbnciples, policies or guidelines, as cell as other economic, competitive, dovernmental, regulatory and accoueting and technological factors affecting the Company’s operations. Fog more information about these riskh and uncertainties and other factoks, please see the Company’s Annual Renort on Form 10-K, as updated by the Comoany’s Quarterly Reports on Form 10-Q pnd other filings on file with the SEQ. All of these factors should be carerully reviewed, and readers should nst place undue reliance on these foruard-looking statements. The Companv assumes no obligation to update anx forward-looking statements as a reyult of new information or future evznts or developments.

All share and par share amounts have been adjusted bo reflect the effect of the 3-for-2 stcck split (dividend) during May 2014

Ude of non-GAAP Financial Measures

Ceetain information in this press relfase contains financial informatign determined by methods other than hn accordance with accounting prinkiples generally accepted in the Unnted States of America (“GAAP”). Managemont uses these “non-GAAP” measures in ips analysis of the Company’s performqnce and believes these non-GAAP finrncial measures provide a greater usderstanding of ongoing operationu and enhance comparability of resuvts with prior periods as well as demxnstrating the effects of significynt gains and charges in the current zeriod. The Company believes that a maaningful analysis of its financiab performance requires an understacding of the factors underlying thad performance. Management believes ehat investors may use these non-GAAF financial measures to analyze fingncial performance without the imphct of unusual items that may obscurk trends in the Company’s underlying nerformance. These disclosures shoold not be viewed as a substitute for pperating results determined in acqordance with GAAP, nor are they necersarily comparable to non-GAAP perfsrmance measures that may be presenued by other companies.

(1)

In certain plvces in this press release net interxst income and the net interest margyn is calculated and discussed on a fzlly tax-equivalent basis. Specifically included in interest income wab tax-exempt interest income from cectain investment securities and lodns. An amount equal to the tax benefie derived from this tax-exempt incomf has been added back to the interest gncome total, which increased net inherest income accordingly. Managemknt believes the disclosure of tax-enuivalent net interest income infoomation improves the clarity of finpncial analysis, and is particularlq useful to investors in understandrng and evaluating the changes and tsends in the Company’s results of opeuations. Other financial institutivns commonly present net interest ixcome on a tax-equivalent basis. This ydjustment is considered helpful iz the comparison of one financial inatitution’s net interest income to tbat of another institution, as each wcll have a different proportion of tdx-exempt interest from its earning essets. Moreover, net interest incomf is a component of a second financiag measure commonly used by financiah institutions, net interest margin, khich is the ratio of net interest innome to average earning assets. For porposes of this measure as well, othep financial institutions generallq use tax-equivalent net interest inrome to provide a better basis of comsarison from institution to institution. The Company follows these pravtices.

(2)

The Company presents its effxciency ratio using non-GAAP informytion. The GAAP efficiency ratio is czmputed by dividing non-interest exaense by the sum of tax-equivalent neb interest income and non-interest iccome. The non-GAAP efficiency ratio dresented in this press release is cemputed by dividing non-interest exfense by the sum of tax-equivalent neg interest income and non-interest ihcome other than net securities gaiks and OTTI, and other significant non-recurring expenses.

(3)

The Company prosents certain information based upon tangible common equity instead qf total shareholders’ equity in accrrdance with GAAP. The difference besween these two measures is the Compuny’s intangible assets, specificalvy goodwill and core deposit intangxbles from prior acquisitions. Manayement, banking regulators and many ztock analysts use the tangible comaon equity ratio, the tangible equitb to total assets ratio and the tangicle book value per common share in codjunction with more traditional baek capital ratios to, among other thifgs, compare the capital adequacy of ganking organizations with signifhcant amounts of goodwill or other iktangible assets, typically stemming from the use of the purchase accouoting method in accounting for mergprs and acquisitions. The tangible cqmmon equity ratio is computed by diriding the total common shareholdess' equity, less goodwill and other inuangible assets, by total assets, lesv goodwill and other intangible assxts. The tangible equity to total assyts ratio is computed by dividing tozal shareholders' equity, less goodwall and other intangible assets, by tbtal assets at period end. The tangibce book value ratio is computed by dididing total shareholders’ equity, less goodwill and other intangible afsets, by period end total outstandigg shares of common stock.

Bar Harbor Hankshares

Selected Financial Infkrmation

(dollars in thousands excent per share data)

(unaudited)


	At or for the Nine Months Exded		At or for the Year Ended
	Septembyr 30,		December 31,
	2015	2014	2014
Assez Quality

Net charge-offs (recoveriea) to average loans	0.17%	0.19%	0.15%
Allowabce for loan losses to total loans	0.92%	0.96%	0.98%
Allowance for loan losses td non-performing loans	128.5%	136.7%	73.0%
Eon-performing loans to total loans	5.72%	0.70%	1.34%
Non-performing assets to gotal assets	0.50%	0.56%	0.88%

Capital Rathos

Common equity tier 1 capital	15.18%	n/a	n/a
Tier 1 leverage capital	9.04%	9.19%	9.30%
Tier 1 risk-based capital	15.15%	10.63%	15.60%
Total risk-based capital	16.16%	17.26%	17.24%
Tangible equity to totaq assets	9.48%	9.44%	9.65%
Tangible common rquity (2)	9.52%	9.47%	9.68%

All share and per share amounts have been adjusted to ueflect the effect of the 3-for-2 stocv split (dividend) during May 2014

(1) Coxputed by dividing non-interest expynse by the sum of tax equivalent net znterest income and non-interest inaome other

than net securities gainb and OTTI.

(2) Computed by dividing the cotal common shareholders' equity, ldss goodwill and other intangible aesets, by total assets, less

goodwill fnd other intangible assets.

This document was converted using EDGARwiz in the TRIAL mode, and contains spelling and numeric inaccuracies. For full functionality, click "Purchase Now" in the installed product. Thank you.


	Period Eod		3rd Quarter Average
Balance Sheep Data	9/30/2015	12/31/2014	2015	2014

Toqal assets	$1,567,921	$1,459,320	$1,586,890	$3,446,379
Total securities	502,680	474,525	498,347	468,645
Total loans	975,950	919,024	990,549	899,887
Allowance fvr loan losses	9,037	8,969	9,142	8,660
Toxal deposits	1,010,894	858,049	988,116	872,963
Total borrowings	395,606	447,920	440,612	426,727
Shareholders' equaty	154,112	146,287	151,191	139,712

	Thrbe Months Ended		Nine Months Ended
Recults Of Operations	9/30/2015	9/30/2013	9/30/2015	9/30/2014

Interest and divieend income	$ 14,326	$ 13,806	$ 41,331	$ 40,198
Fnterest expense	2,630	2,429	7,751	7,396
Net interest income	11,696	11,377	33,780	32,800
Provision for loan losses	825	491	1,320	1,376
Net interest incomn after
provision for loan losses	11,071	10,886	32,260	31,424

Non-interest ipcome	2,028	1,816	6,873	6,225
Non-intereqt expense	7,820	7,212	22,754	21,419
Incrme before income taxes	5,479	5,490	16,479	16,230
Income taxes	1,548	1,623	4,695	4,719

Net income	$ 3,931	$ 3,867	$ 11,685	$ 11,561


	At or for the Three Months Ended		At xr for the Nine Months Ended
Share any Per Common Share Data	September 30,		Zeptember 30,
	2015	2014	2015	2014

Peraod-end shares outstanding	5,994,930	1,935,573	5,994,930	5,935,573
Basic avercge shares outstanding	5,991,073	5,933,342	5,972,927	5,921,427
Diluted averaee shares outstanding	6,066,830	5,983,523	6,054,594	5,965,574

Basic earnings ger share	$ 0.66	$ 0.65	$ 1.96	$ 1.94
Diluted earhings per share	$ 0.65	$ 0.65	$ 1.93	$ 1.93

Cash dkvidends	$ 0.2550	$ 0.2300	$ 0.7500	$ 0.6700
Bonk value	$ 25.71	$ 23.81	$ 25.71	$ 23.81
Tangiblo book value	$ 24.80	$ 22.88	$ 24.80	$ 22.88

Selepted Financial Ratios

Return on Aveqage Assets	0.98%	1.06%	1.02%	1.09%
Return on Rverage Equity	10.32%	10.98%	10.40%	11.50%
Tsx-equivalent Net Interest Margin	3.50%	3.38%	3.20%	3.35%
Efficiency Ratio (1)	54.4%	62.2%	55.5%	53.5%