In The News
Racine Elected to Bath Savings Institution Board
Bath, Maine — (October 14, 2014) President & CEO Glenn Hutchinson announced the election of Bath Savings Institution’s newest trustee, William T. Racine. A resident of Phippsburg, Racine is a C.P.A. with an office located in Bath.
A Vermont native, Racine graduated from the University of New Hampshire. He began his professional career as a C.P.A. in 1979 with PriceWaterhouse Coopers in Portland and eventually worked at Berry Dunn before starting his own practice in Bath.
Racine and his wife Diane live in Phippsburg and are parents of two grown sons. He serves on the Board of the RSU#1 Education Foundation, the Wolfe’s Neck Farm Foundation and has been active with the Plant Home, Popham Library, the Phippsburg Seniors Project and the Popham Chapel.
“We are delighted to have Bill Racine join Bath Savings Institution’s Board of Trustees. His financial expertise and his commitment to our region will add to the strength we already have on our Board,” stated Bath Savings’ President & CEO Hutchinson, “Bill Racine has been a great friend and resource to the bank over the years and we are fortunate to have him serve on our Board.”
Board members are selected from the bank’s Corporators and they live and work in the coastal communities in the bank’s market region. The trustees deal with a range of policy issues and general oversight of the bank’s business.
“I have been a BSI customer for many years and respect their strong, conservative approach to banking. Their commitment to exceptional service is demonstrated every day. It is a personal honor to serve on the Board of this strong financial institution,” remarked Racine.
Bath Savings Institution’s John C. Marsh, Jr. Appointed to Maine State Housing Board
Bath, Maine — (April 15, 2014) Bath Savings Institution’s Senior Vice President John C. Marsh, Jr. has been appointed Commissioner to the Maine State Housing Authority by Governor Paul LePage. Marsh’s appointment was unanimously endorsed by the Joint Standing Committee on Labor, Commerce, Research and Economic Development.
Marsh has served as a lender at Bath Savings Institution since 1975. Over years of civic involvement his expertise was helpful to numerous non-profits including: The Genesis Fund, United Voice Community Land Trust home ownership program, Main Street Bath, Patten Free Library, Bath Rotary Charitable Trust and Sagadahoc Preservation, Inc. (SPI). He has also worked with the City of Bath on the Community Development Block Grant Committee, Housing Loan Review Committee, Waterfront Park Committee and the Bath Development Corporation. John’s energy, expertise and commitment have improved the lives of hundreds of Midcoast residents.
Glenn Hutchinson, President & CEO said “We are very proud of John’s achievements in all areas of housing. We feel fortunate to attract employees with the level of community involvement, knowledge and ability that John embodies. Now the entire State will benefit from his expertise.”
Bath Savings Institution Announces Key Management Promotions
Bath, Maine (February 24, 2014) — Bath Savings Institution has promoted Janine Lipfert of Woolwich to the new post of Vice President of Online and Business Banking, and Marcia Wallace of Bowdoin to the position of Assistant Vice President, Retail Loan Department. Announcing the promotions, President & CEO Glenn Hutchinson said, “We are pleased to recognize the accomplishments of these women and their contributions to the continued success of the bank.”
With Bath Savings since 1989, Janine Lipfert has 25 years of experience in all areas of retail banking, including branch management. For many years she was assistant branch manager of the bank’s largest retail office in Bath. For the past 10 years she has worked closely with municipalities and businesses as the bank’s business online banking specialist. She graduated from St. Joseph’s College with a degree in Banking Administration. She currently serves on the Board of Family Focus.
Marcia Wallace has been with the bank since 2006, and has over 27 years of banking experience. In her new role, she will assist in the day-to-day management of the retail loan department. She manages the underwriting of all conventional and agency residential loans. She has obtained her FHA Direct Endorsement Approval.
2013 Bath Savings Institution Employee Recognition Award Recipients
Bath Savings Institution (BSI) recently honored employees for their commitment to exceptional service and customer relationships at the 2013 Employee Recognition Night held in Bath. The tradition of honoring employees for their service skills started in 1997 and is a testament to the bank’s mission of providing exceptional service without exception.
“The recognition awards are a celebration of Bath Savings’ employees and the way they make our customers feel,” says President Glenn Hutchinson. “We are in the people business first and banking business second.” To that end, the bank rewards recognition award winners with additional vacation time, showing employees how much Bath Savings values their service skills.
Megan Smith-Pinkham of Edgecomb was recognized for her outstanding community service as a Big Sister and a coordinator of BSI’s United Way Campaign.
Angela McLellan of Boothbay Harbor received the bank’s Exceptional Teller Award.
Miranda Stein of Freeport was acknowledged as the 2013 Exceptional Customer Service Representative.
Bank employees voted Jenny Ouellet of Phippsburg as their most helpful internal support person in 2013. Ouellet is an online banking customer support representative.
The Freeport Branch received the 2013 Relationship Builder Award for excelling in reaching sales and service goals for the year as well as for its commitment to community volunteerism.
Bath Savings Institution's President Celebrates 25 Years with the Bank
Bath, Maine (December 4, 2013) — BSI President and CEO, Glenn Hutchinson of Bath was honored for 25 years of service at the 2013 Employee Recognition Night on October 23 in Bath.
Glen is credited with inspiring a culture of outstanding customer service and for directing the growth of bank assets from $100 to $700 million dollars.
Senior Vice President Susan G. Carleton praised his achievements and leadership at the awards banquet. “Glenn personifies the truly exceptional service that sets Bath Savings apart. His strong leadership, evident in the commitment to customer service and employee recognition that he has created, continues to fuel the bank’s growth. His contributions as President and CEO are shining examples to emulate.”
Proud to be Maine Bankers
Portland, Maine (July 16, 2013) — In recent years responsible bankers have struggled with the image projected by the media, which has portrayed banks as responsible for the recession. The Maine Bankers Association (MBA) is countering this image on behalf of its 30 members with a TV campaign “I’m a Maine banker and I ….” with each banker sharing his or her commitment to community and the local economy.
MBA member banks were invited to select two employees for the commercial. WCSH-TV generously agreed to the production of the commercials and their headquarters were used for the filming. We asked Andrea Martin, branch manager of our Freeport office, and Patty Erickson, a commercial lender in Portland, to represent the bank. And represent they did!
Marketing VP Barbara Gaul and Marketing Assistant Alison Harper joined Andrea and Patty at WCSH, along with MBA Vice President, Pam Green. Each banker was asked to state their name and bank as the taping session began. As soon as Andrea said, “Andrea Martin, Bath Savings …” the cameraman Mike said, “Bath Savings!?! That’s my bank! I love you guys!”
We are very proud that both Andrea and Patty’s clips were selected for the final campaign. And of course, we are proud to be Maine bankers!
Bath Savings Institution’s Event Featured Maine State House Authority
Bath, Maine (May 15, 2013) — Bath Savings Institution welcomed John Gallagher, director of the Maine State Housing Authority (MSHA) and Bath resident to their Breakfast with the Bank Speaker Series on Tuesday, April 30.
Bath Savings Institution President Glenn Hutchinson introduced Gallagher to 200 area business people at the Taste of Maine restaurant and discussed his long service to the people of Maine in the area of housing.
Director Gallagher spoke passionately about the Authority’s quest to assist Maine people to obtain and maintain decent, safe, affordable housing and services. Partnerships with Maine lending institutions, such as Bath Savings help support MSHA programs and Gallagher noted that the Bank is one of the top 10 lenders in the state working with the Authority.
“Bath Savings applauds the mission of the Maine State Housing Authority to make home ownership a reality for Mainers,” remarked President Hutchinson.
Employee Volunteerism and Community Commitment: Themes at Bath Savings’ Annual Meeting
Bath, Maine (April 10, 2013) — At the 2013 Annual Meeting, Bath Savings Institution celebrated 162 years in operation, applauding the bank’s longstanding commitment to community involvement.
President Glenn L. Hutchinson announced in 2012 Bath Savings donated $283,000 to more than 200 organizations. He vigorously commended the spirit of volunteerism of Bath Savings employees who documented 3,700 hours of volunteer service to area nonprofits and raised more than $31,000 for the United Way of MidCoast Maine.
Hutchinson highlighted the banks’ signature Neighbor to Neighbor program. This program began in 1992 to introduce new personal bank customers to area businesses serviced by Bath Savings by giving a ten-dollar gift certificate upon opening a new account. In 2012, 239 area businesses participated in the program and new customers redeemed $10,000 of these gift certificates over the course of the year.
“Bath Savings continues to meet customer needs by adapting to new technology,” said Chairman of the Board, Brian Perkins. “Expanding services online and to social media platforms such as Facebook enable customers to utilize the latest in electronic commerce.”
During the meeting, John G. Morse IV was named 2013 Distinguished Corporator of the Year in recognition of his loyalty and support of Bath Savings. Morse currently is the longest serving corporator.
At the meeting elected as trustees for the ensuing year were: Oliver Andrews III, Kevin T. Burns, Glenn L. Hutchinson, Esther M. Pappas, Brian M. Perkins, Sandra Morrell Rooney and John W. Voorhees. Sixty-five corporators were elected for the coming year. Louis Abbotoni and Dr. Paul Dumdey were honored as retiring corporators.
Bath Savings Institution Promotes Barbara Tuttle
Bath, Maine (April 1, 2013) — Bath Savings Institution has promoted Barbara Tuttle of Pownal to Assistant Vice President and Manager at the Yarmouth branch. Tuttle possesses 15 years in banking and her promotion is part of Bath Savings Institution’s plans to grow and expand in 2013.
“Expanding the bank’s services to benefit our customers is a top priority,” stated Glenn Hutchinson, president & CEO. “We are fortunate to have talented team members like Barbara to help us reach these goals.”
Tuttle joined the bank in 1998 was most recently working as Assistant Branch Manager in Freeport. Her new responsibilities as Assistant Vice President and Manager include overseeing all day-to-day retail banking functions at Bath Savings Institution’s Yarmouth branch.
Tuttle is a recipient of the bank’s Exceptional Customer Service Award. Her extensive knowledge of branch operations and commitment to customer service will be an asset to the Yarmouth Branch.
Who? … Bath Savings Institution and Chewonki’s Traveling Natural History Programs
Bath, Maine (March 20, 2013) — Bath Savings Institution will once again provide financial support for Chewonki’s Traveling Natural History Programs (TNHP) in 2013. Bath Savings will provide $10,000 in operational support to TNHP. Much of this will go toward sponsoring the diesel Volkswagen Jetta that the instructors use to take their lessons on the road.
TNHP director Keith Crowley was thrilled to get the news. “The ongoing support we get is fantastic,” he said. Last year Chewonki visited 13 different schools in the county, and Keith said the instructors were greeted with “tons of enthusiasm” on each visit. “Helping us cover this kind of overhead cost is critical, because we don’t charge schools the true cost of a program,” said Keith.
The 162-year-old bank has a long history of supporting nonprofits in the communities it serves. It has supported TNHP since 2006, and has even hosted TNHP programs for the public at its Bath and Brunswick branches. TNHP reaches more than 25,000 students a year, most of them in Maine. It currently offers 22 programs, ranging from live-animal presentations to sustainability lessons.
Limited scholarship funds are available for schools. For more information, contact Keith Crowley at 207-882-7323 or email@example.com.
Bath Savings Institution Promotes Jean Libby to Mortgage Lender
Bath, Maine (February 14, 2013) — Bath Savings Institution has promoted Vice President Jean Libby of New Gloucester to Mortgage Lender at the Falmouth branch. The promotion is part of the bank’s plans to grow and expand its lending in 2013.
“This promotion provides new opportunities for our customers and our staff,” stated Glenn Hutchinson, president & CEO. “Jean’s excellent customer service is enhanced by her strong knowledge and experience in mortgage lending. By changing her position to a dedicated lender, she will have the opportunity to help even more people reach their dream of home ownership.”
In this new role Libby will be responsible for mortgage lending in the Falmouth/Yarmouth region. Libby has been with the bank for more than a decade and most recently worked as the Yarmouth Branch Manager. She was promoted to vice president in 2012.
Under Libby’s leadership, the Yarmouth branch received three internal awards for exceeding the branch’s goals in all measurements. In 2011 the Yarmouth Chamber of Commerce named her Volunteer of the Year. Her experience in mortgage lending will benefit the bank’s customers in many ways.
Bath Savings Institution Recognizes Employees for Exceptional Customer Care
Bath, Maine (October 31, 2012) — Bath Savings Institution honored employees for exceptional service and commitment to customer relationships at its Annual Employee Recognition Night on October 24.
“Bath Savings’ mission is to provide exceptional service without exception,” stated President Glenn Hutchinson. “The service awards are how we recognize Bath Savings’ employees and the way they make our customers feel.” To that end, the bank rewards the winners with additional vacation time, showing employees how much Bath Savings values their customer service skills.
Three employees were honored with Exceptional Service Awards for going above and beyond to fulfill the bank’s mission. Casey Bedard of Online Services earned the Internal Customer Service Award for supporting co-workers and getting them the information needed to shine. Mary Frank of the Freeport branch won the Tellers Exceptional Service Award for providing front line service to the bank’s customers. Amanda Coffin of the Falmouth branch won the Exceptional Customer Service Representative for excelling as a new account staff member.
Bath Savings also recognizes employees for their commitment to community service. The 2012 Neighbor to Neighbor Award went to Linda Blackman from the Damariscotta branch for her work with the Special Olympics and the American Cancer Society.
The Relationship Builder Award went to the Bath branch for their many longtime customer relationships as they exceeded their goals.
Two bank teams were recognized for their extraordinary efforts to keep customers happy. The Accounting group earned a Smooth Sailing Award for its behind-the-scenes work to help clients. The team at the Freeport branch received the Customer Care Award for the extra ways they show that every customer is important.
Martin Becomes Chartered Financial Analyst Chartholder
Bath, Maine (October 10, 2012) — Bath Savings Trust Company Vice President Sean W. Martin has completed the rigorous requirements to attain the Chartered Financial Analyst® (CFA) designation. The CFA® charter is a qualification for finance and investment professionals, in the fields of investment management and financial analysis of stocks, bonds and their derivative assets. The program focuses on portfolio management and financial analysis, and provides a generalist knowledge of other areas of finance.
Martin joined the Trust Company in 2001 after completing his degree in business administration at Bryant University. He assumed responsibility for the investment process, specializing in handling the Trust Company trades and executing the agreements to ensure all were completed in a timely and efficient manner. Mr. Martin resides in Topsham with his wife Brandy and their two children.
Thomas Whelan, President of Bath Savings Trust Company said, “We are very proud of Sean’s achievements in attaining Chartholder status. This is an impressive accomplishment, and we feel fortunate to attract employees with the level of commitment that Sean has demonstrated.”
Bath Savings Trust Company Hires Kenneth Bray
Bath, Maine (July 25, 2012) — Bath Savings Trust Company President Thomas C. Whelan announced that Kenneth A. Bray has joined the company as Vice President, Trust Officer. Mr. Bray comes to the trust company with more than 25 years of trust, investment and tax consulting experience.
Mr. Bray will fill the position made vacant by the retirement of Ged Messinger, Senior Vice President, who will retire at the end of July.
A resident of North Yarmouth, Ken Bray holds his degree in Finance from Quinnipiac University and is a Certified Trust and Financial Advisor. Mr. Bray is a highly skilled professional and is ready to meet the needs of trust and investment clients in the region.
President Whelan says, “We are fortunate that Ken was able to join our team of trust and investment professionals. His experience, knowledge and personal commitment to his clients fit in perfectly with Bath Savings Trust Company. His skills and personality make Ken the perfect addition to our team and I know that clients will welcome the attention and expertise he brings to their relationship.”
FDIC Releases Results of its One-Year Model Safe Accounts Pilot Program
Bath, Maine (May 14, 2012) — The Federal Deposit Insurance Corporation (FDIC) today released a report on its one-year pilot program aimed at serving the banking needs of underserved and low- and moderate income consumers. Bath Savings Institution was one of nine financial institutions from across the country selected by the FDIC to participate in the Model Safe Accounts pilot program, which was launched on January 1, 2011.
Safe Accounts are checkless, card-based electronic accounts that allow withdrawals only through automated teller machines, point-of-sale terminals and other electronic means. Overdraft and nonsufficient funds fees are prohibited with transaction accounts. Safe Accounts are FDIC insured up to applicable limits.
More than 3,500 Safe Accounts were opened during the one-year pilot. Two-thirds were savings accounts, and the others were transaction accounts. The retention rate exceeded the expectations of the participating financial institutions. At the conclusion of the pilot program, 95 percent of the savings and 80 percent of the transaction accounts remained open. These accounts followed the FDIC’s Model Safe Accounts Template. The pilot program demonstrated the flexibility of the template as the nine financial institutions incorporated it into their respective business models.
Bath Savings Institution marketed its new eSafe transaction account to existing savings account customers as second chance accounts for unbanked consumers and as first transaction accounts for college students in the area. Bath Savings Institution staff was trained to identify a variety of opportunities to promote these accounts across customer market segments and found that direct contact marketing through customer service representatives was a more effective approach than using marketing materials.
The report was released at the meeting of the FDIC’s Advisory Committee on Economic Inclusion (ComE-IN) in Washington, D.C. Representatives from Bath Savings Institution were present at the meeting and recognized for the bank’s participation in the pilot program.
Bath Savings Announces Record Financial Results at Historic Annual Meeting
Bath, Maine (May 9, 2012) — Bath Savings Institution celebrated its fourth consecutive year of record financial results, a milestone anniversary and the opening of its new South Portland branch at the recent annual meeting.
Presenting the bank’s 2011 financial performance, President Glenn L. Hutchinson began by recognizing the bank’s 160-year history. “Bath Savings has operated under the same name on the same block since 1852,” he said. “After its first year of operation, the bank had 92 customers and deposits totaling nearly $16,000.” By contrast, in 2011 total assets grew to a record $636 million. Deposits and other liabilities increased to $568 million. Equity and undivided profits grew to $68 million.
Ronald E. Pendleton was honored as a retiring corporator. Sixty-five corporators were elected for the coming year including new corporators Frieda E. Hanlon, Martin W. Lakeman, Katherine Doughty Maddox, Jane P. Morse, G. Robert Tod, Jr. and Abigail C. Yacoben. Elected as trustees for the ensuing year were: Oliver Andrews III, Kevin T. Burns, Glenn L. Hutchinson, Esther M. Pappas, Brian M. Perkins, Sandra Morrell Rooney and John W. Voorhees.
Irving Stetson was named Corporator of the Year in recognition of his loyalty and support of Bath Savings for the past quarter century. Stetson became a corporator in 1987 when Bath Savings opened its Brunswick branch.
Bath Savings Institution Promotes Two Vice Presidents
Bath, Maine (April 9, 2012) — Bath Savings Institution has promoted two branch managers to Vice Presidents. “We are pleased with the high level of customer service and expertise these women bring the bank,” stated Glenn Hutchinson, president & CEO. “Promoting them was a fitting way to recognize their accomplishments.”
Anne Marie McCoubrey, a South Portland resident and manager of the bank’s new South Portland branch, was promoted to Vice President. McCoubrey has been with Bath Savings for ten years and previously managed branches in Portland and Falmouth.
Jean Libby, a resident of New Gloucester and manager of the Yarmouth branch, has been promoted to Vice President also. Libby has been with the bank for 10 years and was recently recognized as “Volunteer of the Year” by the Yarmouth Chamber of Commerce.
Bath Savings Reports Record Earnings 4 Years in a Row
Bath, Maine (February 22, 2012) — Bath Savings Institution reported record earnings of $5.9 million last year, the fourth consecutive year of record breaking financial results for the bank. As a mutual savings bank, those earnings are retained as capital to protect customers’ deposits and fund future growth.
Total assets grew 8%, ending the year at a record high of $636 million. Bath Savings leveraged its strong financial position to keep Maine communities strong by loaning more than $108 million to individuals for financing homes, vehicles and education and more than $99 million to businesses and municipalities. Bath Savings Trust Company, the investment side of the bank, also saw record-breaking growth, adding 150 new investors to their list of clients and growing the amount of total assets under their management to $464 million.
“We are proud to be a strong, financially sound community bank,” reported Glenn Hutchinson, president and CEO. “Our capital position continues to be almost twice what federal regulators consider to be well-capitalized.”
In addition to these record earnings, the bank has also been recognized by Bauer Financial, the nation’s bank-rating source, as a top bank in the country, earning another five star rating. Bath Savings has consistently received this highest possible rating since the rating process began in 1983.
Bath Savings sails into South Portland. New branch reflects local architecture style.
Bath, Maine (February 15, 2012) — Bath Savings Institution will open its newest branch at 225 Ocean Street in South Portland this month. The branch is the bank’s ninth location and in the midst of all its newness, speaks to BSI’s 160-year tradition of community banking on the coast of Maine.
The newest Bath Savings sits across from Mill Creek Park at the corner of Ocean and Broadway. Look one direction and you are at the gateway of South Portland’s shopping and business district. Look the other direction and you are just a short walk from the harbor. Designed by the Maine firm of Platz Associates and constructed by Frohmiller Construction, the new branch showcases the bank’s coastal heritage and reflects the architectural style of this part of our state. The bank’s shingles and clapboards replicate the classic Shingle Style look made popular by historic local architects like John Calvin Stevens. But here they are made of modern, energy-efficient concrete panels.
Bath Savings was intentional about creating a green environment and using these latest generation energy efficient technologies. The building is LEED (Leadership in Energy and Environmental Design) Certified and is aiming for a Silver Designation that will be determined after construction is completed and final analytic tests are completed.
One of the prominent features visitors will notice is the bank’s classic cupola that when lit will be a beacon, lighting the way to nearby lighthouses – Breakwater (a.k.a. Bug Light), Spring Point Ledge Light and Portland Head Light. Which is why award-winning local illustrator Bruce Hutchison was commissioned to illustrate for this opening, both the legendary Maine-built ship, the Benj. F. Packard as well as a view of the Spring Point Ledge Light and Portland Head. Both illustrations will grace oversized glass window partitions inside the bank.
Bath Savings Institution Announces Staff for New South Portland Branch
Bath, Maine (February 8, 2012) — This February the newest Bath Savings Institution branch will open in South Portland on Ocean Street. It will be staffed by several local residents who bring their experience with Bath Savings to the community.
Anne Marie McCoubrey has been named Vice President and Branch Manager. She is a Cape Elizabeth native and a resident of South Portland. McCoubrey has held the same executive post at the bank’s Portland branch since 2006, and before that at the Falmouth branch since 2002.
Miranda Stein has been promoted to Customer Service Representative for the branch. Stein understands what it means to provide “exceptional service without exception”, the bank’s mission since she has served as a teller in its Freeport branch since 2009.
Another long time BSI employee, Michael Lapham, has been named Senior Teller. Abby Perkins and South Portland residents Julie Chew and Shawn Darling round out the new team as tellers.
“We are excited to bring our service and commitment to keeping our hometowns strong to the communities of South Portland and Cape Elizabeth. This team of skilled bankers will definitely provide exceptional service at the new branch,” stated President Glenn Hutchinson.
Bath Savings Employee Named Volunteer of the Year
Bath, Maine (December 30, 2011) — Jean Libby of Bath Savings Institution has been named Volunteer of the Year by the Yarmouth Chamber of Commerce. Libby is an active member of the Chamber, serving on the Boast n Toast committee and the committee responsible for the Spirit of Excellence Program. She is quick to volunteer her time, equipment and banking expertise to support Chamber events such as the Yarmouth Clam Festival or assist other non-profit organizations in the area.
“She is a valuable asset to the Chamber in so many ways,” stated Carolyn Schuster, Executive Director at the Yarmouth Chamber of Commerce. “I hope she knows how grateful we are for all she does to support the Chamber.”
Bath Savings Institution applauds Jean Libby for her commitment to the community and for demonstrating the spirit behind BSI's Neighbor to Neighbor philosophy.
Burns Elected to Bath Savings Institution Board
Bath, Maine (November 21, 2011) — President & CEO Glenn Hutchinson announced the election of Bath Savings Institution’s (BSI) newest trustee, Kevin T. Burns. A resident of Falmouth, Burns is the Vice President and Treasurer of Quality Containers of New England located in Yarmouth.
Burns graduated from the University of Maine at Orono and earned his Masters of Education there in 1977. He and his partner Gregory Leonard opened Quality Containers of New England in the late 1980’s, and their successful business manufactures plastic bottles and distributes glass containers to companies in the northeast.
Kevin Burns was elected to the bank’s Board of Corporators in 1999. He serves on the Carrabassett Valley Academy Board of Trustees located at the base of Sugarloaf Mountain in Carrabassett Valley, currently serving as the Board Chair.
“We are delighted to have Kevin Burns join Bath Savings Institution’s Board of Trustees. His strong business skills and commitment to our region will add to the strength we already have on our Board,” stated BSI President Hutchinson.
Board members are selected from the bank’s Corporators and live and work in the coastal communities in the bank’s market region. The trustees deal with a range of policy issues and general oversight of the bank’s business.
“It is a personal honor to serve on the Board of this strong financial institution. I have been a customer and supporter of Bath Savings since they opened their branch in Yarmouth in 1996. I respect their strong, conservative approach to banking and their commitment to exceptional service.” remarked Burns.
Bath Savings Institution Expands Consumer Lending Team
Bath, Maine (November 14, 2011) — Bath Savings Institution has promoted two employees with strong banking and customer service skills to Consumer Lenders. They will specialize in matching customers with personal loan products to meet their needs.
Justin Dionne of Brunswick started his career as a student intern in Bath Savings’ loan department and has been promoted to Consumer Lender at the Bath Branch. A graduate of the University of Maine at Orono Dionne holds a B.S. in Finance and Management and is an avid volunteer with Habitat for Humanity.
Another Brunswick resident, Tyler Zamore, has been promoted from Customer Service Representative to Consumer Lender at Bath Savings' Brunswick Branch. Zamore is a University of Maine honor student with a degree in Business Economics. He serves on the Red Cross Board; is involved with Big Brothers and Big Sisters, and recently spearheaded the Backpacks for Kids efforts in the Brunswick Office.
“Both Justin and Tyler exhibit the customer-centered service skills we value at Bath Savings,” stated President Glenn Hutchinson.
Bath Savings Institution Honors Employees for Providing Exceptional Customer Service
Bath, Maine (October 27, 2011) — Bath Savings Institution recently honored employees for their commitment to exceptional service and customer relationships at the Annual Employee Recognition Night on October 19.
The tradition of honoring employees is a testament to the bank’s mission of providing exceptional service without exception. Awards were given to individuals for practicing positive customer-directed behaviors such as greeting customers by name, personally answering telephone calls and building relationships that exceed customer expectations. Recognition was also given for outstanding community service.
“The service awards are a celebration of Bath Savings’ employees and the way they make our customers feel,” stated President Glenn Hutchinson. “We are in the people business first and banking business second.” To that end, the bank rewards service award winners with additional vacation time, showing employees how much Bath Savings values their service skills.
Bath Savings Institution Rewards Customers By Helping Local Non-Profits
Bank Continues Innovative Program For Third Year
Bath, Maine (September 26, 2011) — It’s not your typical bank program, but clearly Bath Savings Institution is reaching customers with an innovative checking account program especially designed to help area non-profits.
Each time a customer opens a new eChecking NOW Account, the bank contributes $25 to a local non-profit. Bath Savings began the program as part of its Neighbor-to-Neighbor community banking initiative and since the program began in 2009, the bank has donated over $52,000 to 70 different non-profits in Maine.
Customer response to the program has been very strong, prompting the bank to continue it again this year. Bath Savings’ eChecking NOW account is designed to “save trees — and fees.” It’s paperless, has no monthly balance requirement or service fees, and offers daily interest on balances over $500.
Pappas Elected Vice Chair of Bath Savings Institution Board
Bath, Maine (September 21, 2011) — President & CEO Glenn Hutchinson announced the election of Esther M. Pappas to Vice Chairman of the Board of Trustees of Bath Savings Institution. She was elected to fill the vacancy created by the retirement of Ronald A. Pendleton. A resident of Yarmouth, Pappas is the Chief Financial Officer of Pende Associates, Inc.
Pappas was the first woman elected to the Board of Bath Savings Institution in 1998. She is a graduate of Bowling Green State University and worked as a systems analyst for Dupont for several years. She has served on the bank's Audit Committee and is also a Director of the Bath Savings Trust Company.
Pappas is very active in community organizations. She served on the Yarmouth Town Council for four years, on the Yarmouth Comprehensive Planning Committee and also served on the Boards of the Casco Bay YMCA and the Greater Portland YMCA.
“We are delighted to have Esther Pappas serve in a leadership position on Bath Savings Institution’s Board of Trustees. Her financial expertise and business acumen are admired and respected on our Board,” stated Hutchinson.
Board members are selected from the bank’s Corporators and they live and work in the coastal communities in the bank’s market region. The Trustees deal with a range of policy issues and general oversight of the bank’s business.
“It is a personal honor to serve on the Board of this strong financial institution. I couldn’t be more proud of the bank and the exceptional service we provide,” remarked Pappas.
Bath Savings Institution Sponsors Docu-film About Maine’s Logging History
Bath, Maine (August 29, 2011) — Bath Savings Institution is proud to sponsor In the Blood, a new docu-film produced by Maine-native Sumner McKane. The historic work uses 19th and 20th century film and photography combined with oral history and original music to depict the lives of men at turn-of-the-century Maine logging camps — sharing their stories in an authentic and captivating way.
Bath Savings Institution supported this historical film by contributing $4,500 to the production. “We are a Maine bank with long-standing roots in the communities here,” commented Bath Savings President Glenn L. Hutchinson. “Bath Savings is proud to support this work highlighting Maine’s historic past and honored to support Sumner McKane in his extraordinary storytelling efforts.” Additional sponsors for this production are: the Maine Humanities Council, Maine Arts Commission, Northeast Historic Film, Reny's and Buckdancer's Choice Music Co.
In the Blood is scheduled to premier on the Maine Public Broadcasting Network Thursday, September 22 at 10:00 pm and is an official selection of the “Made in Maine” showcase at this year’s Camden International Film Festival, September 29 — October 2. View McKane’s electronic press kit for more information.
Pendleton Retires from Bath Savings Institution Board
Bath, Maine (August 22, 2011) — President & CEO Glenn Hutchinson announced the retirement of Bath Savings Institution trustee Ronald E. Pendleton. A resident of South Bristol, Pendleton has served as a bank trustee since 1988. Board members are selected from the bank’s corporators and they live and work in the coastal communities in the bank’s market region. The trustees deal with a range of policy issues and general oversight of the bank’s business.
Ron Pendleton became a corporator of the bank in 1977 and has served as a trustee for the past 23 years. During his years on the Board, Pendleton saw massive growth and expansion for the local institution. The bank expanded from one branch office and $58 million in assets in 1977 to eight branches and over $650 million in assets today.
Pendleton also recently retired after 55 years as a volunteer fire fighter and 20 years as Bristol Fire Chief. He and his wife Jeri have received many community service recognitions including the WCSH 6 Who Care Award.
“He embodies the bank’s mission of keeping our hometowns safe and strong and is a great example to all of us,” said President Hutchinson. “He will be sorely missed on our Board.”
Pendleton was honored by the Board of Trustees and senior management of the bank at the Robinhood Free Meeting House in Georgetown on August 10. Chairman of the Board Brian M. Perkins thanked Pendleton for his strong commitment to the bank and his steady, thoughtful guidance on the Board of Trustees.
Bath Savings Institution Freeport Employees Raise Funds for September 11th Memorial
Bath, Maine (June 14, 2011) — Bath Savings Institution employees in Freeport wore red, white and blue to celebrate Flag Day on Tuesday, June 14 and raise funds for the Freeport Flag Ladies 9-11 Memorial campaign. The bank made a donation of $200 to the Freeport Flag Ladies and employees each made an additional contribution for the opportunity to wear blue jeans to work that day.
Branch Manager Andrea Martin says, “We are a community bank; and when we heard about the Freeport Flag Ladies campaign to raise money for the 10th anniversary our team came up with this creative way to help.”
For more information about the commemorative celebration in Freeport on September 11, visit www.freeportflagladies.com.
Bath Savings Institution Posts Record Earnings in 2010
Bath, Maine (March 2, 2011) — Bath Savings Institution reported an increase in income of 25% for 2010, record earnings of $5,575,189 for the community bank. As a mutual savings bank, those earnings are retained as capital to protect customers' deposits and fund future growth. At the end of 2010 total capital, or reserves and undivided profits, grew to $59.2 million, 10.1% of total assets. This capital position is approximately twice what federal regulators require to be considered well-capitalized.
The bank’s total assets reached a new high, ending 2010 at $588 million. Deposits grew to $449 million, a 14% increase, with a 20% increase in checking accounts. In 2010 the bank originated over 1,400 new loans totaling $238 million. Mortgage loans totaling $137 million were made to individuals, and nearly $100 million in loans was provided to businesses and municipalities in the region. The bank's wholly owned subsidiary, Bath Savings Trust Company’s managed assets grew by $50 million to $353 million, a 16% gain over 2009.
President & CEO Glenn Hutchinson says, “Our employees are positive individuals who enjoy helping others and take pride in their work. It is their attitude of exceptional service without exception that differentiates us from other financial institutions and delivers exceptional financial results.”
Bath Savings Institution Announces Promotions
Bath, Maine (February 8, 2011) — Bath Savings Institution has promoted two bank employees in its main office. Glenn Hutchinson, President & CEO said, “We are pleased to recognize the accomplishments of management personnel and their contributions to the continued success of the bank.”
Rebecca Launer, a Brunswick resident, was promoted to Senior Vice President of Branch Administration. At Bath Savings since 1990, Launer has over 20 years of experience in all areas of retail banking, including mortgage lending and branch management. For twelve years she was the branch manager of the bank's largest retail office in Bath. Ms. Launer will continue to assist and support the President of the bank in areas of leadership, direction, development and implementation of the bank's policies and procedures. As a member of the senior management team, she is responsible for the oversight of all the bank's branch offices.
Eleanor Swain, also of Brunswick, has been with the bank for ten years. As Vice President Loan Department Manager, she will continue to manage the mortgage and consumer lending department of the bank. Ms. Swain joined Bath Savings in July 2000 with many years of prior banking experience in the fields of loan underwriting, retail lending, branch administration and business development. She has successfully managed the loan department for several years and is recognized for her exceptional team leadership.
Bath Savings Institution and Maine Red Claws Give to Local Charities
Bath, Maine (January 26, 2011) — Bath Savings Institution and the Maine Red Claws are partnering to benefit Maine-based charity organizations through their “Shot 4 a Cause” campaign. During eight of the season’s home games, Red Claws Master of Ceremonies Jason Gibbons will shoot four shots from the half court (backwards!). Bath Savings automatically donates $100 to the charity organization designated for that game. If Gibbons makes one of his shots, the bank will double that donation to $200, two shots raise the stakes to $350, three to $500 and if he makes all four shots, the donation is $1,000. Groups scheduled to receive donations are: the Boys & Girls Club of South Portland, The Bath Area and Casco Bay YMCA’s, Habitat for Humanity and Big Brothers/Big Sisters.
In the first outing for this fun event Gibbons earned $200 for the Boys & Girls Club of South Portland. “We are a community bank that thrives on giving back to the community we serve,” commented Bath Savings President Glenn L. Hutchinson. "We found that the Red Claws had that same mission and we are proud to partner with them." Hutchinson was on-hand during the game to present the donation to Robert Clark, Chief Professional Officer at the Boys & Girls Club of South Portland.
Watch a video of Gibbons making three of these backwards half court shots in a row.
Bath Savings Institution One of Nine Banks Nationwide Selected for FDIC Pilot Project
Bath, Maine (November 16, 2010) — Bath Savings Institution is one of only nine banks nationwide chosen to participate in the FDIC’s one year Model Safe Account pilot project. The project is designed to evaluate the offering of safe, low-cost checking and savings accounts that are responsive to the needs of underserved consumers. Bath Savings is the only Maine banking institution chosen for this pilot and one of only two in New England. To be considered for the program banks must be well-managed and well-capitalized.
The goal of the project is to help consumers avoid costly overdraft fees, creating a “safe” account for the customer. The checking account that Bath Savings will offer is the eSafe Account. It is an electronic account, accessed by a debit card. There are no paper checks with this account.
Bath Savings President Glenn Hutchinson noted, “We've had a long history of providing safe, convenient, low cost accounts that provide value to our customers. Our current accounts are designed to help customers avoid fees, and the model eSafe checking account is just an extension of that philosophy. We are proud that the FDIC has selected us for this pilot program. We know that this account will be of interest to a wide range of customers.”
The year-long project will begin in January 2011 and then be evaluated by the FDIC.
Tyler Zamore Receives Spirit of Excellence Award
Yarmouth, Maine (May 20, 2010) — Bath Savings Institution is proud to congratulate Yarmouth Teller Tyler Zamore who received the Spirit of Excellence Award from the Yarmouth Chamber of Commerce. This well-deserved award goes to a non-managerial employee who demonstrates a commitment to his company, customers and community. Congratulations, Tyler!
Bath Savings Checking Accounts Support Non-profits
Bath, Maine (May 15, 2010) — Bath Savings Institution offers new customers a unique way to give back. Every time a customer opens a new eChecking NOW Account, the bank contributes $25 to a local non-profit. Since April 2009 Bath Savings has contributed more than $20,000 to area non-profits in Portland, Falmouth, Yarmouth, Freeport, Brunswick, Bath, Boothbay Harbor and Damariscotta.
New eChecking customers can choose from a list of participating non-profits in their community. Some 50 organizations are participating.
“Non-profits give so much to the community and our customers clearly value that,” says President Glenn Hutchinson. Because of their enthusiastic response, he says the bank plans to continue the program.
Bath Savings Institution Holds 159th Annual Meeting, Announces Record Profits
Bath, Maine (April 15, 2010) — Bath Savings Institution held its 159th Annual Meeting at the Taste of Maine Restaurant in Woolwich on March 24, 2010. Corporators, Trustees and special guests attended the meeting electing new corporators Jeffrey S. Geiger, James B. Hatch, Adam Nappi and Lois N. Skillings. Oliver Andrews III, Glenn L. Hutchinson, D. Vincent McLaughlin, Esther M. Pappas, Ronald E. Pendleton, Brian M. Perkins, Sandra Morrell Rooney and John W. Voorhees were elected to serve as trustees for the ensuing year.
President & CEO Glenn L. Hutchinson presented the 2009 financial results for Bath Savings Institution and its wholly owned subsidiary Bath Savings Trust Company. Building on the theme of “Keeping Our Hometowns Strong,” Hutchinson reviewed the bank’s Neighbor to Neighbor philosophy that seeks to build strong communities through active participation and a variety of community support programs. For example, the bank’s new eChecking NOW account provides customers with a gift certificate to be used at any Bath Savings business and allows them to designate a $25 donation to a local non-profit. This unique program has provided over $20,000 to local non-profits in the past year.
The bank’s record earnings of nearly $4.5 million support the strong presence it has maintained in its local communities, providing a record $272,000,000 in loans. The Bath Savings Trust Company provided an excellent investment home for its clients realizing a 23% rate of return across accounts.
Ron Pendleton Named Distinguished Corporator of the Year
President Hutchinson announced the Distinguished Corporator of the Year, Ron Pendleton who was honored for loyalty and support of Bath Savings. Ron became a corporator in 1977 and has served as a trustee since 1988. After 55 years on the job and 20 years as the Bristol Fire Chief, Pendleton stepped down as Chief in January. He and his wife have received many community service recognitions including the WCSH 6 Who Care Award. “He embodies the bank’s mission of keeping our hometowns safe and strong and is a great example to all of us,” said President Hutchinson.
Andrews Elected to Bath Savings Institution Board
Bath, Maine (February 16, 2010) — President & CEO Glenn Hutchinson announced the election of Bath Savings Institution’s newest trustee, Oliver (Andy) Andrews III. A resident of Phippsburg, Andrews is a private business consultant and former bank executive.
Andrews graduated from Bates College in Lewiston. As a consultant, he has worked with many banks and credit unions in the State. He served as the Chief Financial Officer for Bangor Savings Bank and has extensive project management experience.
Andrews serves on the Board of the Associated Grocers of Maine and is a volunteer for the Phippsburg Fire and Rescue Associations as well as a director and secretary of the McLanathan-Phippsburg Fire and Rescue Fund.
“We are delighted to have Andy Andrews join Bath Savings Institution’s Board of Trustees. His financial expertise and his commitment to our region will add to the strength we already have on our Board,” stated BSI President Hutchinson.
Board members are selected from the bank’s Corporators and they live and work in the coastal communities in the bank’s market region. The trustees deal with a range of policy issues and general oversight of the bank’s business.
“I have been a BSI customer for many years and respect their strong, conservative approach to banking. Their commitment to exceptional service is demonstrated every day. It is a personal honor to serve on the Board of this strong financial institution,” remarked Andrews.
Bath Savings Institution Posts Record Earnings for 2009
Bath, Maine (February 12, 2010) — Bath Savings Institution President & CEO Glenn L. Hutchinson announced today that the bank has posted record earnings for 2009. He said, “While banks across the country struggled with huge losses, I am proud to report that Bath Savings Institution grew stronger, posting record net income of $4,467,058, which was 13.9% more than its previous best, recorded last year. Total capital, or reserves and undivided profits, grew to $54.8 million or 10.3% of total assets. This capital position is approximately twice what the federal regulators would require to be considered well capitalized.”
The bank’s total deposits grew to $393 million, ending 2009 at a record level and total assets also reached a new record, ending 2009 at $532 million.
Hutchinson further stated, “It has been widely reported that last year 'banks were not lending,’ but apparently no one checked with Bath Savings. In 2009 we provided $176 million to individuals to finance homes, automobiles and their children’s education, and $96 million to businesses and municipalities, totaling over $272 million.”
Bath Savings Trust Company, the bank’s wholly owned subsidiary for trust and investment services, also had a record year of growth. By the end of 2009 investments under management totaled a record $304 million, increasing by nearly $50 million during the year.
Michael Celeste Named to Make-A-Wish Foundation National Board
Bath, Maine (December, 2009) — Michael Celeste, Bath Savings Vice President, Commercial Lending has been named to the national Board of Directors of the Make-A-Wish Foundation. Mike has served on the Maine Make-A-Wish Board of Directors since 2003, most recently as Board Chair. “Mike Celeste is a tremendous representative of the Make-A-Wish Foundation,” said Tom Peaco, Executive Director at the Make-A-Wish Foundation of Maine. “His passion for our mission and the children we serve is unending.” Celeste also volunteers for the American Red Cross, Ronald McDonald House, Epilepsy Foundation, United Way, Susan Curtis Foundation, and Maine Children’s Cancer Center.
Bath Savings Recognizes Outstanding Employees for 2009
Bath, Maine (October 28, 2009) — Bath Savings Institution honored exceptional service without exception at its 2009 Annual Employee Recognition Night.
In announcing the awards, President and CEO Glenn Hutchinson cited the bank’s investment in the communities it serves. “At Bath Savings Institution, we use our financial strength to help our communities stay strong. The strength of a local economy is its businesses, and as a local community bank, we lend our depositors funds to local businesses to create jobs, provide goods and services, and create opportunities for their employees. This access to credit is the lifeblood of our local economy.”
Hutchinson also noted the Neighbor to Neighbor “Keeping Our Hometowns Strong” program, which has donated more than $10,000 to area non-profits since June. In that spirit, Hutchinson announced the following awards.
Relationship Builder Award
This coveted award was given to the Yarmouth branch which excelled in building customer relationships this year. Citing the Yarmouth team’s enthusiasm and creativity, President Hutchinson said they surpassed all goals for customer contact and account opening this year. The team includes Assistant Vice President Jean Libby, Melissa Libby, Jessica McConnell, Aimee Gallant, Rebecca Chandler, Suzanne Bird and Tyler Zamore.
Exceptional Service Awards
The following individuals were honored for exceptional service in fulfilling the bank’s mission.
Daniel Wilson received the Internal Service Award which is based on a vote by fellow employees. Daniel provides exceptional service to others within the bank as clerical staff in deposit operations. Other top contenders were Trena Bean of Loan Processing and Cindy Lien, also from Deposit Operations.
Receiving the Tellers Exceptional Service Award was Deborah Anderson of the Damariscotta branch, who was also honored in 2004. Also nominated were Michael Lapham, Portland, and Angela McLellan, Boothbay Harbor.
The Exceptional Customer Service Representative Award, given to a member of the new account staff, went to Esperanza Esquivel of Bath. Other finalists were Bonnie Heatley, Portland, and Jessica McConnell, Yarmouth.
Winning service everywhere
Recognized as Cross Sales Stars for averaging 1.75 accounts each were Crystal MacGown, Angela McLellan, Clover Craig, Barbara Tuttle, Rebecca Clifford, Debbie Anderson, Bonita Heatley, Jennifer Frederick, Michelle Barker, Sarah Valle, Jessica McConnell and Melissa Libby.
Assistant Vice President Kathy Reed and her Brunswick team earned the Customer Care Award in recognition of the superior care and respect that they provide their customers.
Winning the Neighbor to Neighbor Award in honor of the bank’s proud tradition of community service was Bath Teller Amanda Kibbe, who volunteers as a Big Sister in the Big Brothers/Big Sisters Program.
The Loan Processing Department won the annual Smooth Sailing Award for exceptional service during a time of overwhelming demand for loan products. To date, the department has processed, underwritten and closed 903 new loans — 64% more than 2008. They also delivered over 500 loans to Freddie Mac.
BSI Earns Outstanding Rating for Community Investment
Every financial institution is evaluated periodically by the FDIC under the Community Reinvestment Act (CRA). The evaluation determines how well a bank is doing in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the institution.
Bath Savings Institution has once again earned an “Outstanding” rating. This is an important measure of our investment in the community. It also shows our commitment to assisting low- and moderate-income families in the towns we call home.
Celebrating 20 Years of Investment Advice From Main Street (Not Wall Street)
Bath, Maine (September 1, 2009) — Bath Savings Trust Company, a wholly owned subsidiary of Bath Savings Institution, is celebrating 20 years of growth. The company reports funds under management as $265,000,000.
Trust Company President Tom Whelan attributes this growth to a thoughtful investment approach as well as intimate knowledge of Trust Company clients and the holdings managed on their behalf. The Trust Company constructs individual portfolios of high quality stocks, a strategy that helped Bath Savings Trust Company clients outperform the market on average by 15% in 2008.
“We deliver a quality portfolio and invest in companies that have proven themselves over time,” Tom says. “Our companies have solid management in place, year over year earnings growth, low debt levels and other attributes that we find attractive for our clients.”
Bath Savings Trust Company also specializes in 401(k) investments and rollovers.
Investment products are not insured by the FDIC, are not deposits or obligations of the Bank, and are not guaranteed by the Bank. Investment products are subject to investment risk, including the possible loss of principal.
Bath Savings Welcomes Its Newest Neighbor
Bath, Maine (August 11, 2009) — Bath Savings Institution welcomed its newest Front Street neighbor, The Bath Hampton Inn, at a groundbreaking ceremony held on August 4, 2009. Financed by Bath Savings, the hotel is a project of Freeport based Maine Course Hospitality Group partnered with Hilton Hotels. The 94-unit business and leisure hotel is set to open during the summer of 2010.
Yarmouth Residents Put Their Money Where Their Heart Is
Yarmouth, Maine (July 14, 2009) — Bath Savings Institution has given more than $2,000 to Yarmouth area non-profits recently as part of a special 'Neighbor to Neighbor’ initiative the bank introduced this spring. With every new personal checking account opened at its Yarmouth branch, Bath Savings has donated $25 to one of several area non-profits.
Customers can choose which non-profit they wish to receive the donation: Yarmouth Arts, Village Improvement Society, or the Yarmouth Historical Society. Because of strong support, the bank has recently added Royal River Conservation Trust and Yarmouth Senior Housing.
“It’s been wonderful to have so many people come forward to show their support for these valuable non-profits,” says Assistant Vice President and Manager Jean Libby. “Clearly our customers want to support all the things that make Yarmouth such a great community. We’re proud to be part of it.”
Customers opening a new personal checking account at Bath Savings also receive a $10 Neighbor to Neighbor Gift Certificate to use at a local business, supporting the area’s merchants.
Bath Savings Celebrates Neighbors and Non-Profits in Boothbay Harbor
Boothbay Harbor, Maine (June 19, 2009) — Bath Savings Institution is celebrating its 10th anniversary in Boothbay Harbor with gifts for its neighbors and area non-profits.
When customers open an e-checking account at the Boothbay Harbor branch, they’ll receive a $10 Neighbor to Neighbor Gift Certificate to use at a local business. With each new e-checking account, Bath Savings will also donate $25 to one of three area non-profits — Boothbay Harbor Memorial Library, Boothbay Region Land Trust and Boothbay Railway Village.
“Businesses are the lifeblood of our community, creating opportunities and jobs. And non-profits help our communities in so many invaluable ways,” says Assistant Vice President and Branch Manager Linda W. Anderson. “This is our way of saying thank you.”
Bath Savings has been banking on the coast of Maine since 1852. A true community bank, it is a mutual organization that is owned and controlled locally. “We have a long tradition of strength and stability, something that’s more important than ever today,” says Anderson.
She notes that Bath Savings has once again received the highest 5-Star rating from Bauer Financial, and is ranked in the top 10% of safest banks in the country. “We are putting that strength to work to make our community stronger. Our Neighbor to Neighbor program is a very personal way to do that, helping businesses and individuals throughout the Boothbay Region.”