0000811589-22-000035.txt : 20220727 0000811589-22-000035.hdr.sgml : 20220727 20220727160442 ACCESSION NUMBER: 0000811589-22-000035 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220727 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220727 DATE AS OF CHANGE: 20220727 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST BANCORP /NC/ CENTRAL INDEX KEY: 0000811589 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 561421916 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-15572 FILM NUMBER: 221111022 BUSINESS ADDRESS: STREET 1: 300 SW BROAD STREET CITY: SOUTHERN PINES STATE: NC ZIP: 28387 BUSINESS PHONE: 910-246-2500 MAIL ADDRESS: STREET 1: 300 SW BROAD STREET CITY: SOUTHERN PINES STATE: NC ZIP: 28387 8-K 1 fbnc-20220727.htm 8-K fbnc-20220727
false000081158900008115892022-07-272022-07-27

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 __________________
Form 8-K
__________________
CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): July 27, 2022
 
First Bancorp
(Exact Name of Registrant as Specified in its Charter)
     
North Carolina 0-15572 56-1421916
(State or Other Jurisdiction (Commission (I.R.S. Employer
of Incorporation) File Number) Identification Number)
     
       300 SW Broad Street,
Southern Pines, NC  28387
(Address of Principal Executive Offices)  (Zip Code)
 
(910) 246-2500
____________________
(Registrant’s telephone number, including area code)
 
Not Applicable
___________________
(Former Name or Former Address, if changed since last report)
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: 
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
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. ☐
Securities registered pursuant to Section 12(b) of the Act:

Title of each class            Trading symbol            Name of each exchange on which registered:
Common Stock, No Par Value        FBNC                The Nasdaq Global Select Market
1

First Bancorp
INDEX
 
 Page
  
Item 2.02 – Results of Operations and Financial Condition3 
Item 9.01 – Financial Statements and Exhibits3 
  
Signatures3 
  
4 

2

Item 2.02 - Results of Operations and Financial Condition
On July 27, 2022, First Bancorp (the “Registrant” or “Company”) issued an earnings release to announce its financial results for the three month period ended June 30, 2022. The earnings release contains forward-looking statements regarding the Company and includes cautionary language identifying important factors that could cause actual results to differ materially from those anticipated. The earnings release is furnished as Exhibit 99.1. Consequently, it is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. Such materials may only be incorporated by reference into another filing under the Exchange Act or Securities Act of 1933 if such subsequent filing specifically references this Form 8-K.



Item 9.01 – Financial Statements and Exhibits
(d) Exhibits


Disclosures About Forward Looking Statements
This news release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties. Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact. Such statements are often characterized by the use of qualifying words (and their derivatives) such as “expect,” “believe,” “estimate,” “plan,” “project,” “anticipate,” or other statements concerning opinions or judgments of the Company and its management about future events. Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of the Company’s customers, the Company’s level of success in integrating acquisitions, actions of government regulators, the level of market interest rates, and general economic conditions. For additional information about the factors that could affect the matters discussed in this paragraph, see the “Risk Factors” section of the Company’s most recent annual report on Form 10-K. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update or revise forward-looking statements. The Company is also not responsible for changes made to the press release by wire services, internet services or other media.




Signatures
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
       
      First Bancorp
       
  July 27, 2022  
By:		  
/s/ Richard H. Moore
      Richard H. Moore
      Chief Executive Officer

3
 EX-99.1 2 exhibit991newsreleasedated.htm EX-99.1 Document



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News Release

For Immediate Release:For More Information, Contact:
July 27, 2022Elaine Pozarycki
984-900-2457

First Bancorp Reports Second Quarter Results

SOUTHERN PINES, N.C. - First Bancorp (the "Company") (NASDAQ - FBNC), the parent company of First Bank, announced today net income of $36.6 million, or $1.03 per diluted common share, for the three months ended June 30, 2022, compared to $34.0 million, or $0.95 per diluted common share for the first quarter of 2022 and $29.3 million, or $1.03 per diluted common share, recorded in the second quarter of 2021. For the six months ended June 30, 2022, the Company recorded net income of $70.6 million, or $1.98 per diluted common share, compared to $57.5 million, or $2.02 per diluted common share for the six months ended June 30, 2021.

On June 21, 2022, the Company announced that it had reached an agreement to acquire GrandSouth Bancorporation ("GrandSouth"), headquartered in Greenville, South Carolina, in an all-stock transaction. This transaction is subject to regulatory approvals and approval of GrandSouth's shareholders, and is expected to close in the late fourth quarter of 2022 or early first quarter of 2023. GrandSouth operates eight branches throughout South Carolina and currently has $1.2 billion in total assets, $952.8 million in loans, and $1.1 billion in deposits.

Richard H. Moore, CEO and Chairman of the Company, stated, "First Bank had a very strong quarter. Loan growth exceeded our expectations and we have continued to maintain strong asset quality and are focused on credit discipline. We are excited about combining with GrandSouth which provides us the opportunity to accelerate First Bank’s South Carolina expansion and partner with extremely talented bankers in growth markets."

Second Quarter 2022 Highlights

•Annualized return on average assets of 1.40% and annualized return on average common equity of 13.45% for the quarter ended June 30, 2022.
•Tax equivalent net interest margin was 3.18% for the quarter with continued low cost of funds, and net interest income grew 1.8% from the first quarter of 2022 ("the linked quarter").
•Total noninterest expense was down 4.0% as compared to the first quarter driven by lower merger expenses and operating cost controls.
•Annualized loan growth for the quarter was 11.8%; credit quality continues to be strong with decreases in nonperforming assets ("NPA") for the third straight quarter. NPA to total assets ratio of 0.39% as of June 30, 2022, down from 0.46% for the linked quarter and 0.51% for the comparable period of 2021.
•Total common equity Tier 1 ratio of 12.80% and total risk-based capital ratio of 14.91%.
•Quarterly cash dividend of $0.22 per share declared, a 10.0% increase over the dividend rate in the comparable period of 2021.

The following discussions and comparisons to the prior year financial periods presented are impacted by the Company's acquisition of Select Bancorp, Inc. ("Select") completed in the fourth quarter of 2021 which contributed $1.3 billion in loans and $1.6 billion in deposits as of the acquisition date.
1


Net Interest Income and Net Interest Margin

Net interest income for the second quarter of 2022 was $78.3 million, a 33.2% increase from the $58.8 million recorded in the second quarter of 2021 and a 1.8% increase from the first quarter of 2022. The increases in net interest income from the prior year period was driven by higher earning assets related to both organic growth and the Select acquisition, offset somewhat by a reduction in net interest margin ("NIM").

The Company’s tax-equivalent NIM (calculated by dividing tax-equivalent net interest income by average earning assets) for the second quarter of 2022 was 3.18%, compared to 3.21% for the linked quarter and 3.22% for the second quarter of 2021. Contributing to the the reduction in NIM was the payoff of loans during the first quarter of 2022 at higher rates than new originations. Also contributing to the lower NIM were fluctuations in loan discount accretion which deceased to $2.3 million in the second quarter of 2022 as compared to $3.6 million in the second quarter of 2021. Average interest-earning assets increased 34.7% from the second quarter of 2021, and 1.4% from the linked quarter with growth in both loans and investment securities.

Allowance for Credit Losses, Provisions for Credit Losses, and Asset Quality

For the three months ended June 30, 2022, the Company did not record any provision for credit losses or provision for unfunded commitments. This is compared to a provision for credit losses of $3.5 million and a reversal of provision for unfunded commitments of ($1.5) million for the first quarter of 2022. The first quarter provisions related to updated economic forecasts and recalibration of the CECL model assumptions to include historical loss rates from the Select acquired portfolio. For the second quarter of 2022, no additional provisions were necessary based on the assumptions and loan mix inputs to the CECL model. The reserve for unfunded commitments totaled $12.0 million at June 30, 2022 and is included in the line items "Other Liabilities".

Asset quality continues to improve with annualized net loan recoveries of (0.01%) for the second quarter of 2022 compared to a net charge-off ratio of 0.07% for the same period of 2021. Total nonperforming assets amounted to $41.1 million at June 30, 2022, or 0.39% of total assets, down from $48.9 million, or 0.46% of total assets for the linked quarter, and $41.8 million, or 0.51% of total assets, at June 30, 2021.

Noninterest Income

Total noninterest income for the second quarter of 2022 was $17.3 million, a 19.2% decrease from the $21.4 million recorded for the second quarter of 2021 and a 10.3% decrease from the linked quarter. The primary factors driving fluctuations between the comparable periods were as follows:

•SBA loan sale gains amounted to $0.8 million for the second quarter of 2022 compared to $3.3 million for the linked quarter and $3.0 million in the second quarter of 2021. The decrease was related to the timing of sales and the volume of originated loans available to be sold in each period.
•Fees from presold mortgages amounted to $0.5 million for the second quarter of 2022, a decrease of 59.5% from the linked quarter, and a decrease of 80.0% from the $2.3 million recorded in the second quarter of 2021. Mortgage loan refinancing and origination volumes have declined significantly due to increases in mortgage interest rates.
•SBA consulting fees declined $1.5 million for the second quarter of 2022 as compared to the prior year, and are down 9.7% from the linked quarter as a direct result of lower PPP-related revenue.
•Commissions from sales of insurance and financial products amounted to $1.2 million for the second quarter of 2022, an increase of 21.8% as compared to the linked quarter driven by higher volume of transactions. The decline in the second quarter of 2022 as compared to the $2.5 million recorded in the second quarter of 2021 was due to the sale of substantially all of the assets of the Company's property and casualty insurance agency subsidiary on June 30, 2021.
2

•Increases in the second quarter compared to the linked quarter and the prior year period in "Service charges on deposit accounts" and "Other service charges, commissions and fees" were driven by the Select acquisition and related increases in the number of new customers and transaction accounts, combined with continued organic growth in transaction accounts.
•Other gains amounted to $1.6 million for the second quarter of 2022 and $3.2 million for the first six months of 2022, primarily related to death benefits realized on bank-owned life insurance policies. Gains for the comparable periods of 2021 were driven by the sale of the operations and substantially all of the assets of First Bank Insurance Services in June 2021.

Noninterest Expenses

Noninterest expenses amounted to $49.4 million for the second quarter of 2022, compared to $51.5 million for the linked quarter and $41.0 million for the second quarter of 2021. The reduction in noninterest expense from the linked quarter is driven by a $2.7 million reduction in merger and acquisition expenses. The increase in noninterest expenses from the prior year period was driven by higher operating expenses resulting from the Select acquisition.

Income Taxes

The Company’s effective tax rates were 20.7% and 21.3% for the second quarter of 2022 and 2021, respectively. The 2022 reduction in effective tax rate was related to higher tax-exempt income relative to taxable income.

Balance Sheet and Capital

Total assets at June 30, 2022 amounted to $10.6 billion, a 28.8% increase from a year earlier. The growth was driven by a combination of organic loan and deposit growth and the acquisition of Select.

Total investment securities increased $672.2 million from June 30, 2021 to total $3.1 billion at June 30, 2022, as the Company invested cash from higher levels of deposits realized in 2021.

Total loans amounted to $6.2 billion at June 30, 2022, an increase of $1.5 billion, or 30.6%, from June 30, 2021, due primarily to the Select acquisition. Loan growth for the second quarter of 2022 amounted to $178.5 million, an annualized growth rate of 11.8%.

Total deposits amounted to $9.4 billion at June 30, 2022, an increase of $2.2 billion, or 30.5%, from June 30, 2021. Exclusive of deposits acquired from Select, the high core deposit growth is believed to be due to a combination of stimulus funds and changes in customer behaviors during the pandemic, as well as ongoing growth initiatives by the Company.

The Company remains well-capitalized by all regulatory standards, with an estimated Total Risk-Based Capital Ratio at June 30, 2022 of 14.91% compared to 15.27% reported at June 30, 2021. The decline resulted from the high balance sheet growth experienced between the periods. The Company’s tangible common equity to tangible assets ratio was 6.70% at June 30, 2022, a decrease of 161 basis points from a year earlier, with the decline driven by the higher unrealized loss on available for sale securities included in equity.


3


* * *
First Bancorp is a bank holding company headquartered in Southern Pines, North Carolina, with total assets of $10.6 billion. Its principal activity is the ownership and operation of First Bank, a state-chartered community bank that operates 108 branches in North Carolina and South Carolina. First Bank also provides SBA loans to customers through its nationwide network of lenders - for more information on First Bank’s SBA lending capabilities, please visit www.firstbanksba.com. First Bancorp’s common stock is traded on The NASDAQ Global Select Market under the symbol “FBNC.”

Please visit our website at www.LocalFirstBank.com.

Caution about Forward-Looking Statements: This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties. Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact. Such statements are often characterized by the use of qualifying words (and their derivatives) such as “expect,” “believe,” “estimate,” “plan,” “project,” “anticipate,” or other words or phrases concerning opinions or judgments of the Company and its management about future events. Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of the Company’s customers, the Company’s level of success in integrating acquisitions, actions of government regulators, the level of market interest rates, and general economic conditions. For additional information about the factors that could affect the matters discussed in this paragraph, see the “Risk Factors” section of the Company’s most recent annual report on Form 10-K available at www.sec.gov. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update or revise forward-looking statements. The Company is also not responsible for changes made to this press release by wire services, internet services or other media.

4

First Bancorp and Subsidiaries
Financial Summary
CONSOLIDATED INCOME STATEMENT
Three Months EndedSix Months Ended
($ in thousands except per share data - unaudited)June 30, 2022March 31, 2022June 30, 2021June 30, 2022June 30, 2021
Interest income
   Interest and fees on loans$65,077 $64,202 52,295 $129,279 $103,368 
   Interest on investment securities14,489 14,258 8,263 28,747 14,499 
   Other interest income881 649 581 1,530 1,281 
      Total interest income80,447 79,109 61,139 159,556 119,148 
Interest expense
   Interest on deposits1,585 1,771 1,999 3,356 4,387 
   Interest on borrowings592 460 381 1,052 764 
      Total interest expense2,177 2,231 2,380 4,408 5,151 
        Net interest income78,270 76,878 58,759 155,148 113,997 
Provision for loan losses— 3,500 — 3,500 — 
(Reversal of) provision for unfunded commitments— (1,500)1,939 (1,500)1,939 
     Total provision for credit losses— 2,000 1,939 2,000 1,939 
        Net interest income after provision for credit losses78,270 74,878 56,820 153,148 112,058 
Noninterest income
   Service charges on deposit accounts3,700 3,541 2,824 7,241 5,557 
   Other service charges, commissions, and fees7,882 7,005 6,496 14,887 12,018 
   Fees from presold mortgage loans454 1,121 2,274 1,575 6,818 
   Commissions from sales of insurance and financial products1,151 945 2,466 2,096 4,656 
   SBA consulting fees704 780 2,187 1,484 4,951 
   SBA loan sale gains841 3,261 2,996 4,102 5,326 
   Bank-owned life insurance income942 976 614 1,918 1,234 
   Other gains, net1,590 1,622 1,517 3,212 1,483 
      Total noninterest income17,264 19,251 21,374 36,515 42,043 
Noninterest expenses
   Salaries expense23,799 23,454 21,187 47,253 41,318 
   Employee benefit expense6,310 5,578 4,084 11,888 8,658 
   Occupancy and equipment related expense4,636 4,688 3,721 9,324 7,670 
   Merger and acquisition expenses737 3,484 411 4,221 411 
   Intangibles amortization expense953 1,017 845 1,970 1,742 
   Foreclosed property gains, net(292)(80)(173)(372)(16)
   Other operating expenses13,255 13,324 10,910 26,579 21,267 
      Total noninterest expenses49,398 51,465 40,985 100,863 81,050 
Income before income taxes46,136 42,664 37,209 88,800 73,051 
Income tax expense9,551 8,695 7,924 18,246 15,572 
Net income$36,585 $33,969 29,285 70,554 57,479 
Earnings per common share - diluted$1.03 $0.95 1.03 $1.98 $2.02 
ADDITIONAL INCOME STATEMENT INFORMATION
   Net interest income, as reported$78,270 $76,878 58,759 $155,148 $113,997 
   Tax-equivalent adjustment (1)669 697 517 1,366 959 
   Net interest income, tax-equivalent$78,939 $77,575 59,276 156,514 114,956 
(1)This amount reflects the tax benefit that the Company receives related to its tax-exempt loans and securities, which carry interest rates lower than similar taxable investments due to their tax-exempt status. This amount has been computed assuming a 23% tax rate and is reduced by the related nondeductible portion of interest expense.



5

First Bancorp and Subsidiaries
Financial Summary
CONSOLIDATED BALANCE SHEETS
($ in thousands)
At June 30, 2022
(unaudited)		At March 31,
2022
(unaudited)		At December 31, 2021
(audited)		At June 30, 2021
(unaudited)
Assets
Cash and due from banks$85,139 124,785 128,228 83,851 
Interest-bearing deposits with banks348,964 440,974 332,934 391,375 
     Total cash and cash equivalents434,103 565,759 461,162 475,226 
Investment securities3,079,034 3,231,138 3,144,239 2,406,881 
Presold mortgages in process of settlement4,655 5,672 19,257 13,762 
SBA and other loans held for sale638 3,630 61,003 5,480 
Loans6,243,170 6,064,698 6,081,715 4,782,064 
Allowance for credit losses on loans(82,181)(82,069)(78,789)(65,022)
Net loans6,160,989 5,982,629 6,002,926 4,717,042 
Premises and equipment135,143 135,482 136,092 123,395 
Operating right-of-use lease assets19,707 20,380 20,719 16,432 
Intangible assets379,615 381,191 382,090 242,968 
Foreclosed properties658 2,750 3,071 826 
Bank-owned life insurance163,831 164,273 165,786 108,209 
Other assets187,842 159,156 112,556 90,361 
     Total assets$10,566,215 10,652,060 10,508,901 8,200,582 
Liabilities
Deposits:
     Noninterest-bearing checking accounts$3,699,725 3,593,642 3,348,622 2,651,143 
     Interest-bearing checking accounts1,537,487 1,577,197 1,593,231 1,378,865 
     Money market accounts2,572,118 2,636,913 2,562,283 1,820,475 
     Savings accounts747,272 735,659 708,054 593,629 
     Time deposits > $100,000521,853 543,542 613,414 510,722 
     Other time deposits281,293 298,194 299,025 216,524 
          Total deposits9,359,748 9,385,147 9,124,629 7,171,358 
Borrowings67,445 67,415 67,386 61,252 
Operating lease liabilities20,280 20,903 21,192 16,893 
Other liabilities56,399 61,105 65,119 46,569 
     Total liabilities9,503,872 9,534,570 9,278,326 7,296,072 
Shareholders’ equity
Common stock 723,956 723,441 722,671 397,704 
Retained earnings587,739 559,004 532,874 507,531 
Stock in rabbi trust assumed in acquisition(1,573)(1,814)(1,803)(1,928)
Rabbi trust obligation1,573 1,814 1,803 1,928 
Accumulated other comprehensive loss(249,352)(164,955)(24,970)(725)
     Total shareholders’ equity1,062,343 1,117,490 1,230,575 904,510 
Total liabilities and shareholders’ equity$10,566,215 10,652,060 10,508,901 8,200,582 


6

First Bancorp and Subsidiaries
Financial Summary
Three Months EndedSix Months Ended
PERFORMANCE RATIOS (annualized)
June 30, 2022March 31, 2022June 30, 2021June 30, 2022June 30, 2021
Return on average assets (1)1.40 %1.30 %1.47 %1.35 %1.50 %
Return on average common equity (2)13.45 %11.38 %13.14 %12.37 %13.03 %
COMMON SHARE DATA
Cash dividends declared - common$0.22 0.22 0.20 0.44 0.40 
Stated book value - common29.77 31.36 31.75 29.77 31.75 
Tangible book value - common (non-GAAP)19.13 20.66 23.22 19.13 23.22 
Common shares outstanding at end of period35,683,595 35,639,889 28,491,633 35,683,595 28,491,633 
Weighted average shares outstanding - diluted35,642,471 35,640,978 28,490,031 35,641,728 28,513,942 
CAPITAL RATIOS
Tangible common equity to tangible assets (non-GAAP)6.70 %7.17 %8.31 %6.70 %8.31 %
Common equity tier I capital ratio - estimated12.80 %12.75 %13.01 %12.80 %13.01 %
Tier I leverage ratio - estimated9.95 %9.61 %9.43 %9.95 %9.43 %
Tier I risk-based capital ratio - estimated13.66 %13.63 %14.02 %13.66 %14.02 %
Total risk-based capital ratio - estimated14.91 %14.87 %15.27 %14.91 %15.27 %
AVERAGE BALANCES ($ in thousands)
Total assets$10,516,748 10,564,419 7,965,781 10,540,065 7,723,284 
Loans6,149,174 6,051,487 4,679,119 6,100,246 4,681,604 
Earning assets9,950,669 9,814,193 7,386,607 9,882,883 7,143,841 
Deposits9,337,615 9,220,352 6,951,524 9,279,314 6,714,168 
Interest-bearing liabilities5,740,269 5,852,296 4,443,875 5,795,973 4,339,386 
Shareholders’ equity1,091,077 1,210,122 893,978 1,150,253 889,865 
(1) Calculated by dividing annualized net income by average assets.
(2) Calculated by dividing annualized net income by average common equity.

_____________________________________________________________________________________________
TREND INFORMATION
($ in thousands except per share data)For the Three Months Ended
INCOME STATEMENTJune 30, 2022March 31, 2022Dec. 31, 2021Sept. 30, 2021June 30, 2021
Net interest income - tax-equivalent (1)$78,939 77,575 74,552 59,129 59,276 
Taxable equivalent adjustment (1)669 697 707 576 517 
Net interest income78,270 76,878 73,845 58,553 58,759 
Provision (reversal) for loan losses— 3,500 11,011 (1,400)— 
(Reversal) provision for unfunded commitments— (1,500)2,432 1,049 1,939 
Noninterest income17,264 19,251 15,057 16,511 21,374 
Noninterest expense49,398 51,465 62,789 40,817 40,985 
Income before income taxes46,136 42,664 12,670 34,598 37,209 
Income tax expense9,551 8,695 2,148 6,955 7,924 
Net income 36,585 33,969 10,522 27,643 29,285 
Earnings per common share - diluted1.03 0.95 0.30 0.97 1.03 
Cash dividends declared per share0.22 0.22 0.20 0.20 0.20 
(1) This amount reflects the tax benefit that the Company receives related to its tax-exempt loans and securities, which carry interest rates lower than similar taxable investments due to their tax-exempt status. This amount has been computed assuming a 23% tax rate and is reduced by the related nondeductible portion of interest expense.



7



First Bancorp and Subsidiaries
Financial Summary
For the Three Months Ended
YIELD INFORMATIONJune 30, 2022March 31, 2022Dec. 31, 2021Sept. 30, 2021June 30, 2021
Yield on loans4.24 %4.30 %4.37 %4.19 %4.48 %
Yield on securities1.69 %1.76 %1.45 %1.46 %1.45 %
Yield on other earning assets0.97 %0.55 %0.42 %0.47 %0.56 %
   Yield on all interest-earning assets3.24 %3.27 %3.20 %3.11 %3.32 %
Rate on interest bearing deposits0.11 %0.12 %0.13 %0.14 %0.18 %
Rate on other interest-bearing liabilities3.52 %2.77 %2.88 %2.45 %2.49 %
   Rate on all interest-bearing liabilities0.15 %0.15 %0.17 %0.17 %0.21 %
     Total cost of funds0.09 %0.10 %0.11 %0.11 %0.14 %
        Net interest margin (1)3.15 %3.18 %3.10 %3.00 %3.19 %
        Net interest margin - tax-equivalent (2)3.18 %3.21 %3.13 %3.03 %3.22 %
        Average prime rate3.94 %3.29 %3.25 %3.25 %3.25 %

(1) Calculated by dividing annualized net interest income by average earning assets for the period.
(2) Calculated by dividing annualized tax-equivalent net interest income by average earning assets for the period.
______________________________________________________________________________________________________
For the Three Months Ended
NET INTEREST INCOME PURCHASE ACCOUNTING ADJUSTMENTS
($ in thousands - unaudited)
June 30, 2022March 31, 2022Dec. 31, 2021Sept. 30, 2021June 30, 2021
Interest income - increased by accretion of loan discount on acquired loans$1,545 1,671 1,912 530 2,913 
Interest income - increased by accretion of loan discount on retained portions of SBA loans730 667 703 697 718 
Total interest income impact2,275 2,338 2,615 1,227 3,631 
Interest expense - reduced by premium amortization of deposits168 234 261 8 11 
Interest expense - increased by discount accretion of borrowings(53)(73)(116)(45)(44)
Total net interest expense impact115 161 145 (37)(33)
     Total impact on net interest income$2,390 2,499 2,760 1,190 3,598 

______________________________________________________________________________________________________
As of / for the Three Months Ended
PAYCHECK PROTECTION PROGRAM (PPP) LOANS
($ in thousands - unaudited)
June 30, 2022March 31, 2022Dec. 31, 2021Sept. 30, 2021June 30, 2021
PPP loans outstanding$3,000 15,623 38,979 66,876 155,515 
PPP fee amortization1,008 1,324 1,676 2,093 2,696 





8

First Bancorp and Subsidiaries
Financial Summary

ASSET QUALITY DATA ($ in thousands)
June 30, 2022March 31, 2022Dec. 31, 2021Sept. 30, 2021June 30, 2021
Nonperforming assets
Nonaccrual loans$28,715 33,460 34,696 31,268 32,993 
Troubled debt restructurings - accruing11,771 12,727 13,866 7,600 8,026 
Accruing loans > 90 days past due— — 1,004 — — 
Total nonperforming loans40,486 46,187 49,566 38,868 41,019 
Foreclosed real estate658 2,750 3,071 1,819 826 
Total nonperforming assets$41,144 48,937 52,637 40,687 41,845 
Asset Quality Ratios
Net quarterly (recoveries) charge-offs to average loans - annualized(0.01)%0.01 %0.05 %— %0.07 %
Nonperforming loans to total loans0.65 %0.76 %0.82 %0.80 %0.86 %
Nonperforming assets to total assets0.39 %0.46 %0.50 %0.48 %0.51 %
Allowance for loan losses to total loans1.32 %1.35 %1.30 %1.31 %1.36 %


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Cover Page
Jul. 27, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Jul. 27, 2022
Entity Registrant Name First Bancorp
Entity Incorporation, State or Country Code NC
Entity File Number 0-15572
Entity Tax Identification Number 56-1421916
Entity Address, Address Line One 300 SW Broad Street,
Entity Address, City or Town Southern Pines,
Entity Address, State or Province NC
Entity Address, Postal Zip Code 28387
City Area Code (910)
Local Phone Number 246-2500
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, No Par Value
Trading Symbol FBNC
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Amendment Flag false
Entity Central Index Key 0000811589
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