Company Quick10K Filing
First Bancorp
Price27.48 EPS2
Shares11 P/E12
MCap299 P/FCF21
Net Debt-11 EBIT56
TEV288 TEV/EBIT5
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-03-31 Filed 2020-05-08
10-K 2019-12-31 Filed 2020-03-06
10-Q 2019-09-30 Filed 2019-11-12
10-Q 2019-06-30 Filed 2019-08-09
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10-K 2018-12-31 Filed 2019-03-08
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10-K 2014-12-31 Filed 2015-03-13
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10-K 2013-12-31 Filed 2014-03-14
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10-Q 2013-03-31 Filed 2013-05-09
10-K 2012-12-31 Filed 2013-03-08
10-Q 2012-09-30 Filed 2012-11-09
10-Q 2012-06-30 Filed 2012-08-09
10-Q 2012-03-31 Filed 2012-05-10
10-K 2011-12-31 Filed 2012-03-12
10-Q 2011-09-30 Filed 2011-11-09
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10-Q 2011-03-31 Filed 2011-05-09
10-K 2010-12-31 Filed 2011-03-11
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10-Q 2010-06-30 Filed 2010-08-05
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10-K 2009-12-31 Filed 2010-03-12
8-K 2020-07-22 Earnings, Exhibits, Earnings, Exhibits
8-K 2020-06-25
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8-K 2020-05-04
8-K 2020-04-22
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8-K 2020-03-26
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8-K 2019-12-19
8-K 2019-12-19
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8-K 2019-07-17
8-K 2019-06-27
8-K 2019-04-26
8-K 2019-04-17
8-K 2019-03-28
8-K 2019-01-23
8-K 2018-12-20
8-K 2018-10-17
8-K 2018-09-27
8-K 2018-07-18
8-K 2018-06-28
8-K 2018-04-27
8-K 2018-04-18
8-K 2018-03-30
8-K 2018-03-22
8-K 2018-01-17

FNLC 10Q Quarterly Report

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 - 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-31.1 a20200331-fnlcxex311.htm
EX-31.2 a20200331-fnlcxex312.htm
EX-32.1 a20200331-fnlcxex321.htm
EX-32.2 a20200331-fnlcxex322.htm

First Bancorp Earnings 2020-03-31

Balance SheetIncome StatementCash Flow

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 March 31, 2020

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 May 1, 2020
Common Stock: 10,926,008 shares




Table of Contents
Note 10 - Financial Derivative Instruments








Part I. Financial Information
Selected Financial Data (Unaudited)
The First Bancorp, Inc. and Subsidiary
Dollars in thousands,
As of and for the three months ended March 31,
 
except for per share amounts
2020
 
2019
 
Summary of Operations
 
 
 
 
Interest Income
$
20,694

 
$
19,268

 
Interest Expense
5,776

 
6,369

 
Net Interest Income
14,918

 
12,899

 
Provision for Loan Losses
400

 
375

 
Non-Interest Income
4,221

 
3,144

 
Non-Interest Expense
11,043

 
8,398

 
Net Income
6,495

 
6,156

 
Per Common Share Data
 
 
 
 
Basic Earnings per Share
$
0.60

 
$
0.57

 
Diluted Earnings per Share
0.60

 
0.57

 
Cash Dividends Declared
0.30

 
0.29

 
Book Value per Common Share
19.71

 
18.17

 
Tangible Book Value per Common Share2
16.97

 
15.42

 
Market Value
22.00

 
24.92

 
Financial Ratios
 
 
 
 
Return on Average Equity1
12.03

%
12.78

%
Return on Average Tangible Common Equity1,2
13.95

%
15.09

%
Return on Average Assets1
1.24

%
1.27

%
Average Equity to Average Assets
10.30

%
9.91

%
Average Tangible Equity to Average Assets2
8.88

%
8.39

%
Net Interest Margin Tax-Equivalent1,2
3.12

%
2.93

%
Dividend Payout Ratio
50.00

%
50.88

%
Allowance for Loan Losses/Total Loans
0.88

%
0.91

%
Non-Performing Loans to Total Loans
0.75

%
1.09

%
Non-Performing Assets to Total Assets
0.49

%
0.77

%
Efficiency Ratio2
58.12

%
50.45

%
At Period End
 
 
 
 
Total Assets
$
2,136,396

 
$
1,991,402

 
Total Loans
1,344,208

 
1,264,639

 
Total Investment Securities
664,514

 
615,477

 
Total Deposits
1,644,612

 
1,606,875

 
Total Shareholders' Equity
215,257

 
197,787

 
1Annualized using a 366-day basis in 2020 and a 365-day basis in 2019.
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 March 31, 2020 and 2019 and for the three-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
Portland, Maine
May 8, 2020

Page 2



Consolidated Balance Sheets (Unaudited)
The First Bancorp, Inc. and Subsidiary
 
March 31,
2020
 
December 31, 2019
 
March 31,
2019
Assets
 
 
 
 
 
Cash and cash equivalents
$
21,117,000

 
$
14,433,000

 
$
15,270,000

Interest bearing deposits in other banks
6,047,000

 
11,310,000

 
231,000

Securities available for sale
312,928,000

 
360,520,000

 
325,276,000

Securities to be held to maturity (fair value of $349,248,000 at March 31, 2020, $287,045,000 at December 31, 2019 and $282,568,000 at March 31, 2019)
341,592,000

 
281,606,000

 
281,219,000

Restricted equity securities, at cost
9,994,000

 
8,982,000

 
8,982,000

Loans held for sale
561,000

 
154,000

 
436,000

Loans
1,344,208,000

 
1,297,075,000

 
1,264,639,000

Less allowance for loan losses
11,858,000

 
11,639,000

 
11,490,000

Net loans
1,332,350,000

 
1,285,436,000

 
1,253,149,000

Accrued interest receivable
9,648,000

 
7,167,000

 
9,307,000

Premises and equipment, net
21,156,000

 
21,305,000

 
21,767,000

Other real estate owned
316,000

 
279,000

 
584,000

Goodwill
29,805,000

 
29,805,000

 
29,805,000

Other assets
50,882,000

 
47,799,000

 
45,376,000

Total assets
$
2,136,396,000

 
$
2,068,796,000

 
$
1,991,402,000

Liabilities
 
 
 
 
 
Demand deposits
$
153,477,000

 
$
169,777,000

 
$
148,500,000

NOW deposits
382,307,000

 
393,569,000

 
371,305,000

Money market deposits
161,184,000

 
161,000,000

 
137,700,000

Savings deposits
236,706,000

 
236,141,000

 
236,894,000

Certificates of deposit
710,938,000

 
689,979,000

 
712,476,000

Total deposits
1,644,612,000

 
1,650,466,000

 
1,606,875,000

Borrowed funds – short term
192,937,000

 
174,850,000

 
160,309,000

Borrowed funds – long term
55,103,000

 
10,105,000

 
10,110,000

Other liabilities
28,487,000

 
20,867,000

 
16,321,000

Total liabilities
1,921,139,000

 
1,856,288,000

 
1,793,615,000

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

 
109,000

 
109,000

Additional paid-in capital
64,277,000

 
63,964,000

 
63,037,000

Retained earnings
147,904,000

 
144,839,000

 
135,364,000

Accumulated other comprehensive income (loss)
 
 
 
 
 
Net unrealized gain (loss) on securities available for sale
7,890,000

 
3,657,000

 
(1,539,000
)
Net unrealized loss on securities transferred from available for sale to held to maturity
(174,000
)
 
(182,000
)
 
(194,000
)
    Net unrealized (loss) gain on cash flow hedging derivative instruments
(4,773,000
)
 
97,000