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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, 2024

Commission File Number 0-26589



THE FIRST BANCORP, INC.
(Exact name of Registrant as specified in its charter)
Maine01-0404322
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)
223 Main StreetDamariscottaMaine04543
(Address of principal executive offices) (Zip code)

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

Securities registered pursuant to Section 12(b) of the Act:
 Title of Each ClassTrading SymbolName of each exchange on which registered
Common Stock, par value $0.01 per shareFNLCNASDAQ Global Select Market

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 every Interactive Data File required to be submitted and 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 such files).
Yes ☒    No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer,a non-accelerated filer, a smaller
reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth 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, 2024
Common Stock: 11,151,844 shares


Table of Contents
Note 10 – Financial Derivative Instruments
Debt Securities-Unrealized Loss Position
Capital Resources





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
2024202320242023
Summary of Operations
Interest Income$109,833 $93,352 $38,287 $33,254 
Interest Expense63,476 43,998 21,885 17,300 
Net Interest Income46,357 49,354 16,402 15,954 
Credit Loss (Reduction) Expense(639)501 (638)(200)
Non-Interest Income11,919 11,330 4,122 3,891 
Non-Interest Expense35,011 32,571 12,000 11,006 
Net Income19,763 22,839 7,571 7,474 
Per Common Share Data
Basic Earnings per Share$1.79 $2.08 $0.69 $0.68 
Diluted Earnings per Share1.78 2.06 0.68 0.67 
Cash Dividends Declared1.07 1.04 0.36 0.35 
Book Value per Common Share23.03 20.44 23.03 20.44 
Tangible Book Value per Common Share2
20.27 17.66 20.27 17.66 
Market Value26.32 23.50 26.32 23.50 
Financial Ratios
Return on Average Equity1
10.67 %13.00 %11.86 %12.67 %
Return on Average Tangible Common Equity1,2
12.19 %14.97 %13.50 %14.59 %
Return on Average Assets1
0.87 %1.08 %0.98 %1.02 %
Average Equity to Average Assets8.20 %8.27 %8.24 %8.07 %
Average Tangible Equity to Average Assets2
7.18 %7.18 %7.24 %7.01 %
Net Interest Margin Tax-Equivalent1,2
2.25 %2.54 %2.32 %2.40 %
Dividend Payout Ratio59.81 %50.00 %52.55 %51.47 %
Allowance for Credit Losses/Total Loans1.04 %1.12 %1.04 %1.12 %
Non-Performing Loans to Total Loans0.11 %0.12 %0.11 %0.12 %
Non-Performing Assets to Total Assets0.08 %0.09 %0.08 %0.09 %
Efficiency Ratio2
57.88 %51.88 %56.37 %53.49 %
At Period End
Total Assets$3,142,563 $2,944,139 $3,142,563 $2,944,139 
Total Loans2,307,253 2,079,860 2,307,253 2,079,860 
Total Investment Securities669,076 676,206 669,076 676,206 
Total Deposits2,702,718 2,599,937 2,702,718 2,599,937 
Total Shareholders' Equity256,783 226,665 256,783 226,665 
1Annualized using a 366-day basis in 2024 and a 365-day basis in 2023.
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.
1

Item 1 – Financial Statements










Report of Independent Registered Public Accounting Firm

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

Results of Review of Interim Financial Information

We have reviewed the accompanying interim consolidated financial information of The First Bancorp, Inc. and Subsidiary as of September 30, 2024 and 2023 and for the three-month and nine-month periods then ended, and the related notes (collectively referred to as the "interim financial information"). Based on our reviews, we are not aware of any material modifications that should be made to the accompanying interim financial information for them to be in conformity with accounting principles generally accepted in the United States of America.

Basis for Review Results

This consolidated interim financial information is the responsibility of the Company's management. We conducted our review in accordance with the standards of the Public Company Accounting Oversight Board (United States) ("PCAOB"). A review of interim financial information consists principally of applying analytical procedures and making inquiries of persons responsible for financial and accounting matters. It is substantially less in scope than an audit conducted in accordance with the standards of the PCAOB, the objective of which is the expression of an opinion regarding the financial statements taken as a whole. Accordingly, we do not express such an opinion.


/s/ Berry Dunn McNeil & Parker, LLC
Portland, Maine
November 8, 2024
2

Consolidated Balance Sheets (Unaudited) The First Bancorp, Inc. and Subsidiary
September 30, 2024December 31, 2023September 30, 2023
Assets
Cash and cash equivalents$35,136,000 $31,942,000 $29,894,000 
Interest bearing deposits in other banks17,199,000 3,488,000 38,366,000 
Securities available for sale285,021,000 282,053,000 284,972,000