0000811589-22-000046.txt : 20221027 0000811589-22-000046.hdr.sgml : 20221027 20221026190727 ACCESSION NUMBER: 0000811589-22-000046 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221027 DATE AS OF CHANGE: 20221026 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: 221334427 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-20221026.htm 8-K fbnc-20221026
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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): October 26, 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 October 26, 2022, First Bancorp (the “Registrant” or “Company”) issued an earnings release to announce its financial results for the three month period ended September 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
       
  October 26, 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:
October 26, 2022Elaine Pozarycki
984-900-2457

First Bancorp Reports Third Quarter Results

SOUTHERN PINES, N.C. - First Bancorp (the "Company") (NASDAQ - FBNC), the parent company of First Bank, announced today net income of $37.9 million, or $1.06 per diluted common share, for the three months ended September 30, 2022, compared to $36.6 million, or $1.03 per diluted common share for the three months ended June 30, 2022 ("linked quarter") and $27.6 million, or $0.97 per diluted common share, recorded in the third quarter of 2021. For the nine months ended September 30, 2022, the Company recorded net income of $108.5 million, or $3.04 per diluted common share, compared to $85.1 million, or $2.99 per diluted common share for the nine months ended September 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. The Company has received regulatory approvals for the transaction. Approval by GrandSouth's shareholders remains pending. The acquisition is expected to close early in January 2023. GrandSouth operates eight branches throughout South Carolina and currently has $1.3 billion in total assets, $995.1 million in loans, and $1.1 billion in deposits.

Richard H. Moore, CEO and Chairman of the Company, stated, "First Bank had another very solid quarter with increased core earnings. We had strong loan growth, our net interest margin expanded, and we continue to control expenses. We are glad to have received all regulatory approvals for our combination with GrandSouth and anticipate closing the transaction in January with system conversion in March 2023."

Third Quarter 2022 Highlights

•Tax equivalent net interest margin increased 22 basis points to 3.40% for the quarter as compared to the second quarter of 2022.
•Loans yields increased to 4.49%, up 25 basis points from the linked quarter related to market rate increases and improved pricing on new loans.
•Cost of funds has remained low at 0.12% for the quarter.
•Annualized return on average assets of 1.42% and annualized return on average common equity of 13.84% reported for the quarter ended September 30, 2022.
•Annualized loan growth for the quarter was 17.9% with total loans in excess of $6.5 billion.
•Credit quality continues to be strong with decreases in nonperforming assets ("NPA") for the third straight quarter. The NPA to total assets ratio declined to 0.39% as of September 30, 2022 from 0.48% for the comparable period of 2021.
•Capital remains strong with a total common equity Tier 1 ratio of 12.78% and a total risk-based capital ratio of 14.86% as of September 30, 2022.
1

•Quarterly cash dividend of $0.22 per share declared, a 10% increase over the dividend rate in the comparable quarter 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.

Net Interest Income and Net Interest Margin

Net interest income for the third quarter of 2022 was $85.3 million, a 45.7% increase from the $58.6 million recorded in the third quarter of 2021 and a 9.0% increase from the linked quarter. The increase in net interest income from the prior year period was due in large part to higher earning assets related to both organic growth and the Select acquisition. Average interest-earning assets for the third quarter of 2022 increased 29.6% from the comparable period of the prior year, with growth in both loans and investment securities.

Also contributing to the increase in net interest income year-over-year was the higher net interest margin ("NIM"). The Company’s tax-equivalent NIM (calculated by dividing tax-equivalent net interest income by average earning assets) for the third quarter of 2022 was 3.40%, compared to 3.18% for the linked quarter and 3.03% for the third quarter of 2021. The higher NIM for each period was driven by the increase in market interest rates as the Federal Reserve's monetary policies resulted in a 300 basis point rise in short-term rates between March and September 2022. Loan yields increased from 4.19% for the third quarter of 2021 to 4.49% for the current period. Partially offsetting the rise in rates was lower fees from PPP loans which are included in interest income and which declined to $0.3 million for the third quarter of 2022 compared to $2.1 million for the prior year period. The Company has been able to maintain a low cost of funds at 0.12% for the quarter ended September 30, 2022, essentially unchanged from the prior year.

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

For the three months ended September 30, 2022, the Company recorded $5.1 million in provision for credit losses. This is compared to no provision for credit losses for the second quarter of 2022 and a release of provisions of $(1.4) million for the third quarter of 2021. Fluctuations each period are based on loan growth during the period, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, and other assumptions and inputs to the CECL model.

Also during the third quarter of 2022, the Company recorded $0.3 million in provision for unfunded commitments, compared to no provision for unfunded commitments for the linked quarter and a provision of $1.0 million for the third quarter of 2021. The reserve for unfunded commitments totaled $12.3 million at September 30, 2022 and is included in the line item "Other Liabilities".

Asset quality remains strong with annualized net loan charge-offs of 0.04% for the third quarter of 2022. Total NPAs amounted to $40.7 million at September 30, 2022, or 0.39% of total assets, down from $41.1 million at the end of the linked quarter, and $40.7 million, or 0.48% of total assets, at September 30, 2021.

Noninterest Income

Total noninterest income for the third quarter of 2022 was $16.9 million, a 2.4% increase from the $16.5 million recorded for the third quarter of 2021 and a 2.0% decrease from the linked quarter. The primary factors driving fluctuations among the periods presented were as follows:

•Increases in "Service charges on deposit accounts" in the third quarter compared to the linked quarter and the prior year period 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.
2

•Fluctuations in "Other service charges, commission and fees" were related to higher volumes of activity in each period offset by lower interchange fees effective in July 2022 as a result of the Durbin Amendment limitations.
•Fees from presold mortgages amounted to $0.4 million for the third quarter of 2022, a decrease of 17.2% from the linked quarter, and a decrease of 82.1% from the $2.1 million recorded in the third quarter of 2021. Mortgage loan refinancing and origination volumes have declined significantly due to increases in mortgage interest rates.
•Commissions from sales of insurance and financial products amounted to $1.4 million for the third quarter of 2022, an increase of 20.9% as compared to the linked quarter and a 16.1% increase from the third quarter of 2021 driven by higher volume of transactions.
•SBA consulting fees declined $0.6 million for the third quarter of 2022 as compared to the prior year as a direct result of lower PPP-related revenue.
•SBA loan sale gains amounted to $0.5 million for the third quarter of 2022 compared to $0.8 million for the linked quarter and $1.7 million in the third quarter of 2021. The decrease was related to the fluctuations in the timing of sales and the volume of originated loans available to be sold in each period.
•Other gains amounted to $2.7 million for the third quarter of 2022 and $6.0 million for the first nine months of 2022, primarily related to death benefits realized on bank-owned life insurance policies. Also included in other gains for the third quarter of 2022 was a settlement of prior year cash letter processing differences.

Noninterest Expenses

Noninterest expenses amounted to $48.7 million for the third quarter of 2022, compared to $49.4 million for the linked quarter and $40.8 million for the third quarter of 2021. The 19.3% increase in noninterest expenses from the prior year period was driven by higher operating expenses, including additional locations and personnel, resulting from the Select acquisition. The reduction in employee benefits from the linked quarter was driven by fluctuations in the timing and volume of claims paid under our self-insured health insurance plan.

Balance Sheet and Capital

Total assets at September 30, 2022 amounted to $10.5 billion, a 23.9% increase from a year earlier. The year to date growth was driven by a combination of organic loan and deposit growth earlier in the year, as well as the acquisition of Select.

Total investment securities increased $209.4 million from September 30, 2021 to total $2.9 billion at September 30, 2022, as the Company invested cash from higher levels of deposits realized in 2021. The decline in investment securities from the linked quarter is due in large part to the utilization of cash flows from investments to fund loan growth. Also contributing to the decline was the increase in unrealized losses on available for sale securities which totaled $464.6 million at quarter end.

Total loans amounted to $6.5 billion at September 30, 2022, an increase of $1.7 billion, or 34.0%, from September 30, 2021, due in large part to the Select acquisition. Organic loan growth for the third quarter of 2022 amounted to $282.1 million, an annualized growth rate of 18.1%, and totaled $443.6 million year to date for 2022, a 9.7% annualized growth rate.

Total deposits amounted to $9.2 billion at September 30, 2022, an increase of $1.8 billion, or 24.2%, from September 30, 2021. While deposits have continued to grow for the year to date period, the third quarter of 2022 realized a decline in total deposits of $130.5 million as market rates for deposits have become more competitive and customer behaviors may be shifting from activity experienced during the pandemic.


3

The Company remains well-capitalized by all regulatory standards, with an estimated Total Risk-Based Capital Ratio at September 30, 2022 of 14.86% compared to 14.77% reported at September 30, 2021. The Company’s tangible common equity to tangible assets ratio was 5.98% at September 30, 2022, a decrease of 236 basis points from a year earlier, with the decline driven by the higher unrealized loss on available for sale securities included in equity.



* * *
First Bancorp is a bank holding company headquartered in Southern Pines, North Carolina, with total assets of $10.5 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 EndedNine Months Ended
($ in thousands except per share data - unaudited)September 30, 2022June 30, 2022September 30, 2021September 30, 2022September 30, 2021
Interest income
   Interest and fees on loans$72,239 65,077 50,957 $201,518 154,325 
   Interest on investment securities14,565 14,489 9,069 43,312 23,568 
   Other interest income1,486 881 528 3,016 1,809 
      Total interest income88,290 80,447 60,554 247,846 179,702 
Interest expense
   Interest on deposits1,848 1,585 1,626 5,204 6,013 
   Interest on borrowings1,108 592 375 2,160 1,139 
      Total interest expense2,956 2,177 2,001 7,364 7,152 
        Net interest income85,334 78,270 58,553 240,482 172,550 
Provision for (reversal of) loan losses5,100 — (1,400)8,600 (1,400)
Provision for (reversal of) unfunded commitments300 — 1,049 (1,200)2,988 
     Total provision for (reversal of) credit losses5,400 — (351)7,400 1,588 
        Net interest income after provision for credit losses79,934 78,270 58,904 233,082 170,962 
Noninterest income
   Service charges on deposit accounts4,166 3,700 3,209 11,407 8,766 
   Other service charges, commissions, and fees6,312 7,882 6,464 21,200 18,482 
   Fees from presold mortgage loans376 454 2,096 1,951 8,914 
   Commissions from sales of insurance and financial products1,391 1,151 1,198 3,487 5,854 
   SBA consulting fees479 704 1,128 1,963 6,079 
   SBA loan sale gains479 841 1,655 4,581 6,981 
   Bank-owned life insurance income962 942 711 2,880 1,945 
   Other gains, net2,747 1,590 50 5,958 1,533 
      Total noninterest income16,912 17,264 16,511 53,427 58,554 
Noninterest expenses
   Salaries expense24,416 23,799 20,651 71,669 61,969 
   Employee benefit expense4,156 6,310 4,447 16,044 13,105 
   Occupancy and equipment related expense4,847 4,636 3,743 14,171 11,413 
   Merger and acquisition expenses548 737 254 4,769 665 
   Intangibles amortization expense889 953 695 2,859 2,437 
   Foreclosed property net (gains) losses— (292)23 (372)7 
   Other operating expenses13,844 13,255 11,004 40,423 32,271 
      Total noninterest expenses48,700 49,398 40,817 149,563 121,867 
Income before income taxes48,146 46,136 34,598 136,946 107,649 
Income tax expense10,197 9,551 6,955 28,443 22,527 
Net income$37,949 36,585 27,643 $108,503 85,122 
Earnings per common share - diluted$1.06 1.03 0.97 $3.04 2.99 
ADDITIONAL INCOME STATEMENT INFORMATION
   Net interest income, as reported$85,334 78,270 58,553 $240,482 172,550 
   Tax-equivalent adjustment (1)692 669 576 2,058 1,536 
   Net interest income, tax-equivalent$86,026 78,939 59,129 242,540 174,086 
(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 September 30, 2022
(unaudited)		At June 30, 2022
(unaudited)		At December 31, 2021
(audited)		At September 30, 2021
(unaudited)
Assets
Cash and due from banks$83,050 85,139 128,228 80,090 
Interest-bearing deposits with banks186,465 348,964 332,934 314,103 
     Total cash and cash equivalents269,515 434,103 461,162 394,193 
Investment securities2,882,408 3,079,034 3,144,239 2,672,968 
Presold mortgages in process of settlement3,233 4,655 19,257 16,746 
SBA and other loans held for sale477 638 61,003 1,518 
Loans6,525,286 6,243,170 6,081,715 4,869,841 
Allowance for credit losses on loans(86,587)(82,181)(78,789)(63,628)
Net loans6,438,699 6,160,989 6,002,926 4,806,213 
Premises and equipment134,288 135,143 136,092 124,391 
Operating right-of-use lease assets19,230 19,707 20,719 16,900 
Intangible assets378,150 379,615 382,090 242,079 
Foreclosed properties658 658 3,071 1,819 
Bank-owned life insurance164,793 163,831 165,786 133,919 
Other assets224,411 187,842 112,556 78,620 
     Total assets$10,515,862 10,566,215 10,508,901 8,489,366 
Liabilities
Deposits:
     Noninterest-bearing checking accounts$3,748,207 3,699,725 3,348,622 2,765,360 
     Interest-bearing checking accounts1,551,450 1,537,487 1,593,231 1,446,259 
     Money market accounts2,432,926 2,572,118 2,562,283 1,899,172 
     Savings accounts751,895 747,272 708,054 626,616 
     Time deposits > $100,000473,247 521,853 613,414 483,130 
     Other time deposits271,546 281,293 299,025 212,228 
          Total deposits9,229,271 9,359,748 9,124,629 7,432,765 
Borrowings226,476 67,445 67,386 60,764 
Operating lease liabilities19,847 20,280 21,192 17,323 
Other liabilities55,771 56,399 65,119 48,764 
     Total liabilities9,531,365 9,503,872 9,278,326 7,559,616 
Shareholders’ equity
Common stock 724,694 723,956 722,671 398,058 
Retained earnings617,839 587,739 532,874 529,474 
Stock in rabbi trust assumed in acquisition(1,585)(1,573)(1,803)(1,791)
Rabbi trust obligation1,585 1,573 1,803 1,791 
Accumulated other comprehensive loss(358,036)(249,352)(24,970)2,218 
     Total shareholders’ equity984,497 1,062,343 1,230,575 929,750 
Total liabilities and shareholders’ equity$10,515,862 10,566,215 10,508,901 8,489,366 


6

First Bancorp and Subsidiaries
Financial Summary
Three Months EndedNine Months Ended
PERFORMANCE RATIOS (annualized)
September 30, 2022June 30, 2022September 30, 2021September 30, 2022September 30, 2021
Return on average assets (1)1.42 %1.40 %1.32 %1.38 %1.44 %
Return on average common equity (2)13.84 %13.45 %11.93 %12.85 %12.65 %
COMMON SHARE DATA
Cash dividends declared - common$0.22 0.22 0.20 0.66 0.60 
Stated book value - common27.57 29.77 32.59 27.57 32.59 
Tangible book value - common (non-GAAP)16.98 19.13 24.11 16.98 24.11 
Common shares outstanding at end of period35,711,754 35,683,595 28,524,480 35,711,754 28,524,480 
Weighted average shares outstanding - diluted35,703,446 35,642,471 28,515,328 35,662,527 28,514,405 
CAPITAL RATIOS
Tangible common equity to tangible assets (non-GAAP)5.98 %6.70 %8.34 %5.98 %8.34 %
Common equity tier I capital ratio12.78 %12.90 %12.57 %12.78 %12.57 %
Tier I leverage ratio10.21 %9.95 %9.30 %10.21 %9.30 %
Tier I risk-based capital ratio13.61 %13.76 %13.52 %13.61 %13.52 %
Total risk-based capital ratio14.86 %15.01 %14.77 %14.86 %14.77 %
AVERAGE BALANCES ($ in thousands)
Total assets$10,567,133 10,516,748 8,319,327 10,549,209 7,922,917 
Loans6,389,996 6,149,174 4,820,007 6,197,915 4,728,258 
Earning assets10,028,388 9,950,669 7,735,613 9,931,321 7,343,279 
Deposits9,299,277 9,337,615 7,280,275 9,286,028 6,904,437 
Interest-bearing liabilities5,661,339 5,740,269 4,612,282 5,750,602 4,431,355 
Shareholders’ equity1,087,763 1,091,077 918,986 1,129,184 899,461 
(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 STATEMENTSeptember 30, 2022June 30, 2022March 31, 2022December 31, 2021September 30, 2021
Net interest income - tax-equivalent (1)$86,026 78,939 77,575 74,552 59,129 
Taxable equivalent adjustment (1)692 669 697 707 576 
Net interest income85,334 78,270 76,878 73,845 58,553 
Provision (reversal) for loan losses5,100 — 3,500 11,011 (1,400)
Provision (reversal) for unfunded commitments300 — (1,500)2,432 1,049 
Noninterest income16,912 17,264 19,251 15,057 16,511 
Noninterest expense48,700 49,398 51,465 62,789 40,817 
Income before income taxes48,146 46,136 42,664 12,670 34,598 
Income tax expense10,197 9,551 8,695 2,148 6,955 
Net income 37,949 36,585 33,969 10,522 27,643 
Earnings per common share - diluted1.06 1.03 0.95 0.30 0.97 
Cash dividends declared per share0.22 0.22 0.22 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 INFORMATIONSeptember 30, 2022June 30, 2022March 31, 2022December 31, 2021September 30, 2021
Yield on loans4.49 %4.24 %4.30 %4.37 %4.19 %
Yield on securities1.71 %1.69 %1.76 %1.45 %1.46 %
Yield on other earning assets2.27 %0.97 %0.55 %0.42 %0.47 %
   Yield on all interest-earning assets3.49 %3.24 %3.27 %3.20 %3.11 %
Rate on interest bearing deposits0.13 %0.11 %0.12 %0.13 %0.14 %
Rate on other interest-bearing liabilities3.99 %3.52 %2.77 %2.88 %2.45 %
   Rate on all interest-bearing liabilities0.21 %0.15 %0.15 %0.17 %0.17 %
     Total cost of funds0.12 %0.09 %0.10 %0.11 %0.11 %
        Net interest margin (1)3.38 %3.16 %3.18 %3.10 %3.00 %
        Net interest margin - tax-equivalent (2)3.40 %3.18 %3.21 %3.13 %3.03 %
        Average prime rate5.35 %3.94 %3.29 %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)
September 30, 2022June 30, 2022March 31, 2022December 31, 2021September 30, 2021
Interest income - increased by accretion of loan discount on acquired loans$1,519 1,545 1,671 1,912 530 
Interest income - increased by accretion of loan discount on retained portions of SBA loans1,032 730 667 703 697 
Total interest income impact2,551 2,275 2,338 2,615 1,227 
Interest expense - reduced by premium amortization of deposits121 168 234 261 8 
Interest expense - increased by discount accretion of borrowings(64)(53)(73)(116)(45)
Total net interest expense impact57 115 161 145 (37)
     Total impact on net interest income$2,608 2,390 2,499 2,760 1,190 

______________________________________________________________________________________________________
As of / for the Three Months Ended
PAYCHECK PROTECTION PROGRAM (PPP) LOANS
($ in thousands - unaudited)
September 30, 2022June 30, 2022March 31, 2022December 31, 2021September 30, 2021
PPP loans outstanding$38 3,000 15,623 38,979 66,876 
PPP fee amortization284 1,008 1,324 1,676 2,093 




8


First Bancorp and Subsidiaries
Financial Summary

ASSET QUALITY DATA ($ in thousands)
September 30, 2022June 30, 2022March 31, 2022December 31, 2021September 30, 2021
Nonperforming assets
Nonaccrual loans$28,669 28,715 33,460 34,696 31,268 
Troubled debt restructurings - accruing11,355 11,771 12,727 13,866 7,600 
Accruing loans > 90 days past due— — — 1,004 — 
Total nonperforming loans40,024 40,486 46,187 49,566 38,868 
Foreclosed real estate658 658 2,750 3,071 1,819 
Total nonperforming assets$40,682 41,144 48,937 52,637 40,687 
Asset Quality Ratios
Quarterly net charge-offs (recoveries) to average loans - annualized0.04 %(0.01)%0.01 %0.05 %0.00 %
Nonperforming loans to total loans0.61 %0.65 %0.76 %0.82 %0.80 %
Nonperforming assets to total assets0.39 %0.39 %0.46 %0.50 %0.48 %
Allowance for credit losses to total loans1.33 %1.32 %1.35 %1.30 %1.31 %



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Cover Page
Oct. 26, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Oct. 26, 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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