Company Quick10K Filing
Quick10K
First Bancorp
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$27.51 11 $299
10-Q 2018-09-30 Quarter: 2018-09-30
10-Q 2018-06-30 Quarter: 2018-06-30
10-Q 2018-03-31 Quarter: 2018-03-31
10-K 2017-12-31 Annual: 2017-12-31
10-Q 2017-09-30 Quarter: 2017-09-30
10-Q 2017-06-30 Quarter: 2017-06-30
10-Q 2017-03-31 Quarter: 2017-03-31
10-K 2016-12-31 Annual: 2016-12-31
10-Q 2016-09-30 Quarter: 2016-09-30
10-Q 2016-06-30 Quarter: 2016-06-30
10-Q 2016-03-31 Quarter: 2016-03-31
10-K 2015-12-31 Annual: 2015-12-31
8-K 2019-01-23 Earnings, Earnings, 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
BBT BB&T
CATY Cathay General Bancorp
FCB FCB Financial
TBK Triumph Bancorp
HMST Homestreet
BY Byline Bancorp
BMRC Bank of Marin Bancorp
FSB Franklin Financial Network
CVCY Central Valley Community Bancorp
OPHC Optimumbank Holdings
FNLC 2018-09-30
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-31.1 fnlc-20180930xex311.htm
EX-31.2 fnlc-20180930xex312.htm
EX-32.1 fnlc-20180930xex321.htm
EX-32.2 fnlc-20180930xex322.htm

First Bancorp Earnings 2018-09-30

FNLC 10Q Quarterly Report

Balance SheetIncome StatementCash Flow

Document
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549




FORM 10-Q

[X] Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
For the quarterly period ended September 30, 2018

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 [X]    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 [X]    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 [X] 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 [X]

Indicate the number of shares outstanding of each of the registrant's classes of common stock as of November 1, 2018
Common Stock: 10,860,334 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
2018
 
2017
 
2018
 
2017
 
Summary of Operations
 
 
 
 
 
 
 
 
Interest Income
$
51,742

 
$
45,010

 
$
18,086

 
$
15,517

 
Interest Expense
14,528

 
9,915

 
5,550

 
3,563

 
Net Interest Income
37,214

 
35,095

 
12,536

 
11,954

 
Provision for Loan Losses
1,333

 
1,750

 
333

 
750

 
Non-Interest Income
9,347

 
9,338

 
3,034

 
3,493

 
Non-Interest Expense
24,971

 
23,351

 
8,216

 
8,013

 
Net Income
17,173

 
14,502

 
5,933

 
4,982

 
Per Common Share Data
 
 
 
 
 
 
 
 
Basic Earnings per Share
$
1.59

 
$
1.35

 
$
0.55

 
$
0.46

 
Diluted Earnings per Share
1.58

 
1.34

 
0.55

 
0.46

 
Cash Dividends Declared
0.82

 
0.71

 
0.29

 
0.24

 
Book Value per Common Share
17.01

 
16.62

 
17.01

 
16.62

 
Tangible Book Value per Common Share2
14.25

 
13.84

 
14.25

 
13.84

 
Market Value
28.97

 
30.31

 
28.97

 
30.31

 
Financial Ratios
 
 
 
 
 
 
 
 
Return on Average Equity1
12.47

%
10.86

%
12.63

%
10.91

%
Return on Average Tangible Common Equity1,2
14.90

%
13.06

%
15.05

%
13.08

%
Return on Average Assets1
1.21

%
1.09

%
1.21

%
1.09

%
Average Equity to Average Assets
9.72

%
10.03

%
9.59

%
10.02

%
Average Tangible Equity to Average Assets2
8.14

%
8.35

%
8.05

%
8.36

%
Net Interest Margin Tax-Equivalent1,2
2.90

%
3.03

%
2.83

%
3.02

%
Dividend Payout Ratio
51.57

%
52.59

%
52.73

%
52.17

%
Allowance for Loan Losses/Total Loans
0.94

%
0.98

%
0.94

%
0.98

%
Non-Performing Loans to Total Loans
1.14

%
1.46

%
1.14

%
1.46

%
Non-Performing Assets to Total Assets
0.74

%
0.94

%
0.74

%
0.94

%
Efficiency Ratio2
51.86

%
49.51

%
50.82

%
49.88

%
At Period End
 
 
 
 
 
 
 
 
Total Assets
$
1,981,854

 
$
1,781,701

 
$
1,981,854

 
$
1,781,701

 
Total Loans
1,243,558

 
1,121,086

 
1,243,558

 
1,121,086

 
Total Investment Securities
574,425

 
552,476

 
574,425

 
552,476

 
Total Deposits
1,514,911

 
1,350,049

 
1,514,911

 
1,350,049

 
Total Shareholders' Equity
184,661

 
179,882

 
184,661

 
179,882

 
1Annualized using a 365-day basis for both 2018 and 2017.
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, 2018 and 2017 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 9, 2018

Page 2



Consolidated Balance Sheets (Unaudited)
The First Bancorp, Inc. and Subsidiary
 
September 30,
2018
 
December 31, 2017
 
September 30,
2017
Assets
 
 
 
 
 
Cash and cash equivalents
$
21,649,000

 
$
19,207,000

 
$
22,375,000

Interest bearing deposits in other banks
51,045,000

 
860,000

 
584,000

Securities available for sale
305,444,000

 
300,172,000

 
298,999,000

Securities to be held to maturity (fair value of $249,890,000 at September 30, 2018, $259,655,000 at December 31, 2017 and $245,021,000 at September 30, 2017)
257,395,000

 
256,567,000

 
242,679,000

Restricted equity securities, at cost
11,586,000

 
10,358,000

 
10,798,000

Loans held for sale
1,134,000

 
386,000

 
434,000

Loans
1,243,558,000

 
1,164,139,000

 
1,121,086,000

Less allowance for loan losses
11,682,000

 
10,729,000

 
11,012,000

Net loans
1,231,876,000

 
1,153,410,000

 
1,110,074,000

Accrued interest receivable
7,095,000

 
5,867,000

 
5,820,000

Premises and equipment, net
21,451,000

 
22,502,000

 
21,731,000

Other real estate owned
584,000

 
1,012,000

 
320,000

Goodwill
29,805,000

 
29,805,000

 
29,805,000

Other assets
42,790,000

 
42,784,000

 
38,082,000

Total assets
$
1,981,854,000

 
$
1,842,930,000

 
$
1,781,701,000

Liabilities
 
 
 
 
 
Demand deposits
$
170,728,000

 
$
145,332,000

 
$
158,797,000

NOW deposits
357,834,000

 
318,043,000

 
325,695,000

Money market deposits
129,516,000

 
163,898,000

 
134,257,000

Savings deposits
237,424,000

 
232,605,000

 
234,456,000

Certificates of deposit
619,409,000

 
559,001,000

 
496,844,000

Total deposits
1,514,911,000

 
1,418,879,000

 
1,350,049,000

Borrowed funds – short term
200,160,000

 
113,638,000

 
119,207,000

Borrowed funds – long term
65,114,000

 
115,120,000

 
115,121,000

Other liabilities
17,008,000

 
13,972,000

 
17,442,000

Total liabilities
1,797,193,000

 
1,661,609,000

 
1,601,819,000

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

 
108,000

 
108,000

Additional paid-in capital
62,497,000

 
61,747,000

 
61,446,000

Retained earnings
129,247,000

 
121,144,000

 
118,360,000

Accumulated other comprehensive income (loss)
 
 
 
 
 
Net unrealized loss on securities available for sale
(9,133,000
)
 
(2,901,000
)
 
(825,000
)
Net unrealized loss on securities transferred from available for sale to held to maturity
(194,000
)
 
(174,000
)
 
(140,000
)
Net unrealized gain on cash flow hedging derivative instruments
2,282,000

 
1,544,000

 
1,035,000

Net unrealized loss on postretirement benefit costs
(147,000
)
 
(147,000
)
 
(102,000
)
Total shareholders' equity
184,661,000

 
181,321,000

 
179,882,000

Total liabilities & shareholders' equity
$
1,981,854,000

 
$
1,842,930,000

 
$
1,781,701,000

Common Stock
 
 
 
 
 
Number of shares authorized
18,000,000

 
18,000,000

 
18,000,000

Number of shares issued and outstanding
10,857,116

 
10,829,918

 
10,824,724

Book value per common share
$
17.01

 
$
16.74

 
$
16.62

Tangible book value per common share
$
14.25

 
$
13.97

 
$
13.84

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,
 
2018
 
2017
 
2018
 
2017
Interest income
 
 
 
 
 
 
 
Interest and fees on loans (includes tax-exempt income of $822,000 as of September 30, 2018 and $589,000 as of September 30, 2017)
$
39,164,000

 
$
33,415,000

 
$
13,735,000

 
$
11,648,000

Interest on deposits with other banks
132,000

 
46,000

 
115,000

 
23,000

Interest and dividends on investments (includes tax-exempt income of $5,208,000 as of September 30, 2018 and $4,890,000 as of September 30, 2017)
12,446,000

 
11,549,000

 
4,236,000

 
3,846,000

     Total interest income
51,742,000

 
45,010,000

 
18,086,000

 
15,517,000

Interest expense
 
 
 
 
 
 
 
Interest on deposits
11,131,000

 
6,769,000

 
4,274,000

 
2,473,000

Interest on borrowed funds
3,397,000

 
3,146,000

 
1,276,000

 
1,090,000

     Total interest expense
14,528,000

 
9,915,000

 
5,550,000

 
3,563,000

Net interest income
37,214,000

 
35,095,000

 
12,536,000

 
11,954,000

Provision for loan losses
1,333,000

 
1,750,000

 
333,000

 
750,000

Net interest income after provision for loan losses
35,881,000

 
33,345,000

 
12,203,000

 
11,204,000

Non-interest income
 
 
 
 
 
 
 
Investment management and fiduciary income
2,285,000

 
1,995,000

 
743,000

 
655,000

Service charges on deposit accounts
1,624,000

 
1,562,000

 
527,000

 
511,000

Net securities gains
137,000

 
471,000

 
1,000

 
468,000

Mortgage origination and servicing income, net of amortization
1,042,000

 
1,260,000

 
350,000

 
499,000

Other operating income
4,259,000

 
4,050,000

 
1,413,000

 
1,360,000

     Total non-interest income
9,347,000

 
9,338,000

 
3,034,000

 
3,493,000

Non-interest expense
 
 
 
 
 
 
 
Salaries and employee benefits
13,230,000

 
12,110,000

 
4,460,000

 
4,267,000

Occupancy expense
1,871,000

 
1,816,000

 
574,000

 
589,000

Furniture and equipment expense
2,816,000

 
2,702,000

 
972,000

 
942,000

FDIC insurance premiums
950,000