Company Quick10K Filing
First Bancorp
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 11 $273
10-Q 2019-11-12 Quarter: 2019-09-30
10-Q 2019-08-09 Quarter: 2019-06-30
10-Q 2019-05-09 Quarter: 2019-03-31
10-K 2019-03-08 Annual: 2018-12-31
10-Q 2018-11-09 Quarter: 2018-09-30
10-Q 2018-08-09 Quarter: 2018-06-30
10-Q 2018-05-09 Quarter: 2018-03-31
10-K 2018-03-14 Annual: 2017-12-31
10-Q 2017-11-09 Quarter: 2017-09-30
10-Q 2017-08-09 Quarter: 2017-06-30
10-Q 2017-05-09 Quarter: 2017-03-31
10-K 2017-03-10 Annual: 2016-12-31
10-Q 2016-11-09 Quarter: 2016-09-30
10-Q 2016-08-09 Quarter: 2016-06-30
10-Q 2016-05-06 Quarter: 2016-03-31
10-K 2016-03-11 Annual: 2015-12-31
10-Q 2015-11-06 Quarter: 2015-09-30
10-Q 2015-08-07 Quarter: 2015-06-30
10-Q 2015-05-08 Quarter: 2015-03-31
10-K 2015-03-13 Annual: 2014-12-31
10-Q 2014-11-07 Quarter: 2014-09-30
10-Q 2014-08-08 Quarter: 2014-06-30
10-Q 2014-05-09 Quarter: 2014-03-31
10-K 2014-03-14 Annual: 2013-12-31
10-Q 2013-11-08 Quarter: 2013-09-30
10-Q 2013-08-09 Quarter: 2013-06-30
10-Q 2013-05-09 Quarter: 2013-03-31
10-K 2013-03-08 Annual: 2012-12-31
10-Q 2012-11-09 Quarter: 2012-09-30
10-Q 2012-08-09 Quarter: 2012-06-30
10-Q 2012-05-10 Quarter: 2012-03-31
10-K 2012-03-12 Annual: 2011-12-31
10-Q 2011-11-09 Quarter: 2011-09-30
10-Q 2011-08-09 Quarter: 2011-06-30
10-Q 2011-05-09 Quarter: 2011-03-31
10-K 2011-03-11 Annual: 2010-12-31
10-Q 2010-11-08 Quarter: 2010-09-30
10-Q 2010-08-05 Quarter: 2010-06-30
10-Q 2010-05-07 Quarter: 2010-03-31
10-K 2010-03-12 Annual: 2009-12-31
8-K 2019-12-19 Other Events, Exhibits, Other Events, Exhibits
8-K 2019-12-19 Amend Bylaw, Amend Bylaw
8-K 2019-10-23
8-K 2019-09-26 Other Events, Exhibits, Other Events, Exhibits
8-K 2019-07-17 Earnings, Earnings, Exhibits
8-K 2019-06-27 Other Events, Exhibits, Other Events, Exhibits
8-K 2019-04-26 Shareholder Vote, Shareholder Vote
8-K 2019-04-17 Earnings, Earnings, Exhibits
8-K 2019-03-28 Other Events, Exhibits, Other Events, Exhibits
8-K 2019-01-23 Earnings, Earnings, Exhibits
8-K 2018-12-20 Other Events, Exhibits, Other Events, Exhibits
8-K 2018-10-17 Earnings, Earnings, Exhibits
8-K 2018-09-27 Other Events, Exhibits, Other Events, Exhibits
8-K 2018-07-18 Earnings, Earnings, Exhibits
8-K 2018-06-28 Other Events, Exhibits, Other Events, Exhibits
8-K 2018-04-27 Shareholder Vote, Shareholder Vote
8-K 2018-04-18 Earnings, Earnings, Exhibits
8-K 2018-03-30 Officers, Exhibits
8-K 2018-03-22 Other Events, Exhibits, Other Events, Exhibits
8-K 2018-01-17 Earnings, Earnings, Exhibits
FNLC 2019-09-30
Part I. Financial Information
Item 1 - Financial Statements
Note 1 - Basis of Presentation
Note 2 - Investment Securities
Note 3 - Loans
Note 4. Allowance for Loan Losses
Note 5 - Stock-Based Compensation
Note 6 - Preferred and Common Stock
Note 7 - Earnings per Share
Note 8 - Employee Benefit Plans
Note 9 - Other Comprehensive Income (Loss)
Note 10 - Financial Derivative Instruments
Note 11 - Mortgage Servicing Rights
Note 12 - Income Taxes
Note 13 - Certificates of Deposit
Note 14 - Reclassifications
Note 15 - Fair Value
Note 16 - Impact of Recently Issued Accounting Standards
Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3 - Quantitative and Qualitative Disclosures About Market Risk
Item 4: Controls and Procedures
Part II - Other Information
Item 1 - Legal Proceedings
Item 1A - Risk Factors
Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds
Item 3 - Default Upon Senior Securities
Item 4 - Other Information
Item 5 - Exhibits
EX-10.3 ltiagreementsamended-e.htm
EX-31.1 a20190930-fnlcxex311.htm
EX-31.2 a20190930-fnlcxex312.htm
EX-32.1 a20190930-fnlcxex321.htm
EX-32.2 a20190930-fnlcxex322.htm

First Bancorp Earnings 2019-09-30

FNLC 10Q Quarterly Report

Balance SheetIncome StatementCash Flow

Comparables ($MM TTM)
Ticker M Cap Assets Liab Rev G Profit Net Inc EBITDA EV G Margin EV/EBITDA ROA
HBMD 283 2,296 1,992 3 0 10 34 311 0% 9.2 0%
CSTR 282 2,018 1,756 4 0 13 42 126 0% 3.0 1%
PCB 278 1,726 1,503 2 0 26 65 144 0% 2.2 2%
MFSF 277 2,091 1,874 0 0 22 46 244 5.3 1%
SFST 274 2,116 1,926 7 0 25 54 157 0% 2.9 1%
FNLC 273 1,999 1,794 0 0 25 56 266 4.7 1%
BCML 265 1,772 1,537 0 0 13 254 -86 -0.3 1%
FVCB 261 1,485 1,314 0 0 13 33 246 0% 7.4 1%
RBNC 261 1,794 1,580 0 0 16 39 225 5.7 1%
ACNB 258 1,679 1,498 0 0 24 37 260 7.1 1%

Document
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549




FORM 10-Q

Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
For the quarterly period ended September 30, 2019

Commission File Number 0-26589



THE FIRST BANCORP, INC.
(Exact name of Registrant as specified in its charter)

Maine
01-0404322
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)

Main Street
Damariscotta
Maine
04543
(Address of principal executive offices)
 (Zip code)

(207) 563-3195
Registrant's telephone number, including area code


Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes    No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site,
 if any, every, Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
Yes    No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, or a smaller
reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule
12b-2 of the Exchange Act. (Check one):

Large accelerated filer Accelerated filer Non-accelerated filer Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended
transition period for complying with any new or revised financial accounting standards provided pursuant to
Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).
Yes    No

Indicate the number of shares outstanding of each of the registrant's classes of common stock as of November 1, 2019
Common Stock: 10,899,787 shares




Table of Contents
Note 10 - Financial Derivative Instruments




Item 4 - Controls and Procedures




Part I. Financial Information
Selected Financial Data (Unaudited)
The First Bancorp, Inc. and Subsidiary
Dollars in thousands,
As of and for the nine months ended September 30,
 
As of and for the quarter ended September 30,
 
except for per share amounts
2019
 
2018
 
2019
 
2018
 
Summary of Operations
 
 
 
 
 
 
 
 
Interest Income
$
58,994

 
$
51,742

 
$
19,904

 
$
18,086

 
Interest Expense
19,919

 
14,528

 
6,678

 
5,550

 
Net Interest Income
39,075

 
37,214

 
13,226

 
12,536

 
Provision for Loan Losses
875

 
1,333

 
250

 
333

 
Non-Interest Income
10,281

 
9,347

 
3,532

 
3,034

 
Non-Interest Expense
26,168

 
24,971

 
9,040

 
8,216

 
Net Income
18,839

 
17,173

 
6,288

 
5,933

 
Per Common Share Data
 
 
 
 
 
 
 
 
Basic Earnings per Share
$
1.74

 
$
1.59

 
$
0.58

 
$
0.55

 
Diluted Earnings per Share
1.73

 
1.58

 
0.58

 
0.55

 
Cash Dividends Declared
0.89

 
0.82

 
0.30

 
0.29

 
Book Value per Common Share
19.13

 
17.01

 
19.13

 
17.01

 
Tangible Book Value per Common Share2
16.39

 
14.25

 
16.39

 
14.25

 
Market Value
27.49

 
28.97

 
27.49

 
28.97

 
Financial Ratios
 
 
 
 
 
 
 
 
Return on Average Equity1
12.49

%
12.47

%
11.99

%
12.63

%
Return on Average Tangible Common Equity1,2
14.67

%
14.90

%
14.01

%
15.05

%
Return on Average Assets1
1.26

%
1.21

%
1.24

%
1.21

%
Average Equity to Average Assets
10.11

%
9.72

%
10.33

%
9.59

%
Average Tangible Equity to Average Assets2
8.61

%
8.14

%
8.84

%
8.05

%
Net Interest Margin Tax-Equivalent1,2
2.90

%
2.90

%
2.88

%
2.83

%
Dividend Payout Ratio
51.15

%
51.57

%
51.72

%
52.73

%
Allowance for Loan Losses/Total Loans
0.93

%
0.94

%
0.93

%
0.94

%
Non-Performing Loans to Total Loans
1.33

%
1.14

%
1.33

%
1.14

%
Non-Performing Assets to Total Assets
0.84

%
0.74

%
0.84

%
0.74

%
Efficiency Ratio2
51.12

%
51.86

%
52.08

%
50.82

%
At Period End
 
 
 
 
 
 
 
 
Total Assets
$
2,033,227

 
$
1,981,854

 
$
2,033,227

 
$
1,981,854

 
Total Loans
1,263,459

 
1,243,558

 
1,263,459

 
1,243,558

 
Total Investment Securities
634,566

 
571,168

 
634,566

 
571,168

 
Total Deposits
1,623,290

 
1,514,911

 
1,623,290

 
1,514,911

 
Total Shareholders' Equity
208,489

 
184,661

 
208,489

 
184,661

 
1Annualized using a 365-day basis for both 2019 and 2018.
2These ratios use non-GAAP financial measures. See Management's Discussion and Analysis of Financial Condition and Results of Operations for additional disclosures and information.

Page 1



Item 1 – Financial Statements










Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders
The First Bancorp, Inc.

We have reviewed the accompanying interim consolidated financial information of The First Bancorp, Inc. and Subsidiary as of September 30, 2019 and 2018 and for the three-month and nine-month periods then ended. These financial statements are the responsibility of the Company's management.
We conducted our reviews in accordance with standards of the Public Company Accounting Oversight Board (United States). A review of interim financial information consists principally of applying analytical procedures to financial data and making inquiries of persons responsible for financial and accounting matters. It is substantially less in scope than an audit in accordance with standards of the Public Company Accounting Oversight Board (United States), the objective of which is to express an opinion regarding the financial statements taken as a whole. Accordingly, we do not express such an opinion.
Based on our reviews, we are not aware of any material modifications that should be made to the accompanying  interim consolidated financial statements for them to be in conformity with accounting principles generally accepted in the United States of America.


/s/ Berry Dunn McNeil & Parker, LLC
Bangor, Maine
November 12, 2019

Page 2



Consolidated Balance Sheets (Unaudited)
The First Bancorp, Inc. and Subsidiary
 
September 30,
2019
 
December 31, 2018
 
September 30,
2018
Assets
 
 
 
 
 
Cash and cash equivalents
$
21,418,000

 
$
19,134,000

 
$
21,649,000

Interest bearing deposits in other banks
16,714,000

 
12,079,000

 
51,045,000

Securities available for sale
326,798,000

 
317,416,000

 
302,187,000

Securities to be held to maturity (fair value of $306,647,000 at September 30, 2019, $250,900,000 at December 31, 2018 and $249,890,000 at September 30, 2018)
298,786,000

 
255,663,000

 
257,395,000

Restricted equity securities, at cost
8,982,000

 
11,586,000

 
11,586,000

Loans held for sale
852,000

 

 
1,134,000

Loans
1,263,459,000

 
1,238,283,000

 
1,243,558,000

Less allowance for loan losses
11,765,000

 
11,232,000

 
11,682,000

Net loans
1,251,694,000

 
1,227,051,000

 
1,231,876,000

Accrued interest receivable
7,636,000

 
6,660,000

 
7,095,000

Premises and equipment, net
21,232,000

 
22,056,000

 
21,451,000

Other real estate owned
279,000

 
584,000

 
584,000

Goodwill
29,805,000

 
29,805,000

 
29,805,000

Other assets
49,031,000

 
42,536,000

 
46,047,000

Total assets
$
2,033,227,000

 
$
1,944,570,000

 
$
1,981,854,000

Liabilities
 
 
 
 
 
Demand deposits
$
171,623,000

 
$
163,575,000

 
$
170,728,000

NOW deposits
400,514,000

 
382,923,000

 
357,834,000

Money market deposits
148,689,000

 
152,043,000

 
129,516,000

Savings deposits
240,691,000

 
237,135,000

 
237,424,000

Certificates of deposit
661,773,000

 
591,409,000

 
619,409,000

Total deposits
1,623,290,000

 
1,527,085,000

 
1,514,911,000

Borrowed funds – short term
171,310,000

 
145,205,000

 
200,160,000

Borrowed funds – long term
10,107,000

 
65,112,000

 
65,114,000

Other liabilities
20,031,000

 
15,626,000

 
17,008,000

Total liabilities
1,824,738,000

 
1,753,028,000

 
1,797,193,000

Shareholders' equity
 
 
 
 
 
Common stock, one cent par value per share
109,000

 
109,000

 
109,000

Additional paid-in capital
63,602,000

 
62,746,000

 
62,497,000

Retained earnings
141,509,000

 
132,460,000

 
129,247,000

Accumulated other comprehensive income (loss)
 
 
 
 
 
Net unrealized gain (loss) on securities available for sale
3,686,000

 
(5,051,000
)
 
(9,133,000
)
Net unrealized loss on securities transferred from available for sale to held to maturity
(189,000
)
 
(197,000
)
 
(194,000
)
    Net unrealized gain (loss) on cash flow hedging derivative instruments
(265,000
)
 
1,438,000

 
2,282,000

Net unrealized gain (loss) on postretirement benefit costs
37,000

 
37,000

 
(147,000
)
Total shareholders' equity
208,489,000

 
191,542,000

 
184,661,000

Total liabilities & shareholders' equity
$
2,033,227,000

 
$
1,944,570,000

 
$
1,981,854,000

Common Stock
 
 
 
 
 
Number of shares authorized
18,000,000

 
18,000,000

 
18,000,000

Number of shares issued and outstanding
10,896,331

 
10,862,651

 
10,857,116

Book value per common share
$
19.13

 
$
17.63

 
$
17.01

Tangible book value per common share
$
16.39

 
$
14.87

 
$
14.25

See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.

Page 3



Consolidated Statements of Income and Comprehensive Income (Unaudited)
The First Bancorp, Inc. and Subsidiary
 
For the nine months ended September 30,
 
For the quarter ended September 30,
 
2019
 
2018
 
2019
 
2018
Interest income
 
 
 
 
 
 
 
Interest and fees on loans (includes tax-exempt income of $1,001,000 as of September 30, 2019 and $822,000 as of September 30, 2018)
$
44,450,000

 
$
39,164,000

 
$
14,993,000

 
$
13,735,000

Interest on deposits with other banks
145,000

 
132,000

 
48,000

 
115,000

Interest and dividends on investments (includes tax-exempt income of $5,480,000 as of September 30, 2019 and $5,208,000 as of September 30, 2018)
14,399,000

 
12,446,000

 
4,863,000

 
4,236,000

     Total interest income
58,994,000

 
51,742,000

 
19,904,000

 
18,086,000