0000811589-23-000005.txt : 20230125 0000811589-23-000005.hdr.sgml : 20230125 20230124175927 ACCESSION NUMBER: 0000811589-23-000005 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230124 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230125 DATE AS OF CHANGE: 20230124 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: 23549238 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-20230124.htm 8-K fbnc-20230124
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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): January 24, 2023
 
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 January 24, 2023, First Bancorp (the “Company”) issued an earnings release to announce its financial results for the three month and twelve month periods ended December 31, 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
       
  January 24, 2023  
By:		  
/s/ Richard H. Moore
      Richard H. Moore
      Chief Executive Officer

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



News Release

For Immediate Release:For More Information, Contact:
January 24, 2023Elaine Pozarycki
984-900-2457

First Bancorp Reports Fourth Quarter and Annual Results

SOUTHERN PINES, N.C. - First Bancorp (the "Company") (NASDAQ - FBNC), the parent company of First Bank, announced today net income of $38.4 million, or $1.08 per diluted common share, for the three months ended December 31, 2022, compared to $37.9 million, or $1.06 per diluted common share for the three months ended September 30, 2022 ("linked quarter") and $10.5 million, or $0.30 per diluted common share, recorded in the fourth quarter of 2021. For the twelve months ended December 31, 2022, the Company recorded net income of $146.9 million, or $4.12 per diluted common share, compared to $95.6 million, or $3.19 per diluted common share for the twelve months ended December 31, 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 transaction closed on January 1, 2023, adding eight branches throughout South Carolina and approximately $1.2 billion in total assets, $1.0 billion in loans, and $1.0 billion in deposits to the Company's balance sheet as of the acquisition date.

Richard H. Moore, CEO and Chairman of the Company, stated, "First Bancorp had another strong year of continued growth as we earned nearly $147 million in net income, grew loans close to 10%, and improved our credit quality metrics over the course of the year. I am proud of our employees for their commitment to the communities we serve and for their continued focus on our customers, shareholders, and each other during our acquisition of GrandSouth and our October 2021 acquisition of Select Bancorp ("Select"). We welcomed our new GrandSouth customers officially as of January 1, 2023 and look forward to system conversion in March 2023."

2022 Financial Highlights

•Annualized return on average assets ("ROA") of 1.44% and annualized return on average common equity ("ROE") of 15.20% was reported for the quarter ended December 31, 2022. For the year ended December 31, 2022, ROA was reported at 1.39% and ROE was 13.40%, both increasing from the prior year.
•Total loans outstanding increased $139.9 million (8.5% annualized) during the fourth quarter of 2022, while year-over-year growth was $583.4 million, or 9.6%. Total loans were in excess of $6.6 billion at December 31, 2022.
•Credit quality continues to be strong with the nonperforming assets ("NPA") to total assets ratio at 0.36% as of December 31, 2022, down three basis points from the linked quarter, and as compared to 0.50% at December 31, 2021.
•Yield on total interest-earning assets increased 15 basis points to 3.64% as compared to the third quarter of 2022 and as compared to 3.20% for the fourth quarter of 2021. For the year ended December 31, 2022, interest-earning assets yielded 3.41%, up from 3.25% for the prior year.
•Capital remains strong with a total common equity Tier 1 ratio of 12.68%, up from 12.53% for the prior year, and an estimated total risk-based capital ratio of 14.73% as of December 31, 2022 as compared to 14.67% for the prior year.

1

The following discussions and comparisons to the prior year financial periods presented are impacted by the Company's acquisition of 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 fourth quarter of 2022 was $84.4 million, a 14.3% increase from the $73.8 million recorded in the fourth quarter of 2021 and a decrease of $1.0 million or 1.1%, from the linked quarter. The increase in net interest income from the prior year period was due in large part to higher earning assets year-over-year and the higher net interest margin ("NIM") throughout 2022 as compared to 2021. Average interest-earning assets for the fourth quarter of 2022 increased 7.7% from the comparable period of the prior year, with strong loan growth as the primary driver for the increase.

The Company’s tax-equivalent NIM (calculated by dividing tax-equivalent net interest income by average earning assets) for the twelve months ended December 31, 2022 was 3.28%, compared to 3.16% for the prior year. The NIM increase was driven by the rising market interest rates as the Federal Reserve's monetary policies resulted in a 425 basis point rise in short-term rates between March and December 2022.

The decrease in net interest income in the fourth quarter of 2022 as compared to the third quarter of 2022 was related primarily to an increase in total interest expense of $5.8 million. While the Company's total cost of funds ("COF") remained low at 0.36% for the quarter ended December 31, 2022, COF increased 24 basis points from the linked quarter contributing to the higher interest expense. During the fourth quarter of 2022, the Company experienced some pressure to reprice deposits, primarily money market accounts, and utilized more wholesale funding sources, both of which contributed to the increase in cost of funds.

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

For the three months ended December 31, 2022, the Company recorded $4.0 million in provision for loan losses. This is compared to $5.1 million provision for loan losses for the linked quarter and a provision of $11.0 million for the fourth quarter of 2021. Fluctuations each period are based on the acquisition of Select in the fourth quarter of 2021, loan growth during each period, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, and other assumptions and inputs to the Company's CECL model.

Also during the fourth quarter of 2022, the Company recorded $1.0 million in provision for unfunded commitments, compared to a $0.3 million provision for unfunded commitments for the linked quarter and a provision of $2.4 million for the fourth quarter of 2021. Changes each period are related to fluctuations in the level of available credit lines and updated loss drivers. The reserve for unfunded commitments totaled $13.3 million at December 31, 2022 and is included in the line item "Other Liabilities".

Asset quality remained strong with annualized net loan recoveries of (0.02)% for the fourth quarter of 2022 and net charge-offs of 0.01% for the year ended December 31, 2022. Total NPAs amounted to $38.3 million at December 31, 2022, or 0.36% of total assets, down from $40.7 million, 0.39% of total assets, at the end of the linked quarter, and $52.6 million, or 0.50% of total assets, at December 31, 2021.

Noninterest Income

Total noninterest income for the fourth quarter of 2022 was $14.6 million, a 3.3% decrease from the $15.1 million recorded for the fourth quarter of 2021 and a 13.9% decrease from the linked quarter. The primary factors driving fluctuations among the periods presented were as follows:

•Declines in "Other service charges, commission and fees" each period were related to lower interchange fees effective in July 2022 as a result of the Company becoming subject to the Durbin Amendment limitations. Lower fees were partially offset by higher volumes of activity in each period.
2

•Fees from presold mortgages amounted to $0.2 million for the fourth quarter of 2022, a decrease of 59.8% from the linked quarter, and a decrease of 92.7% from the $2.1 million recorded in the fourth quarter of 2021. Mortgage loan refinancing and origination volumes declined significantly over these periods due to increases in mortgage interest rates.
•SBA-related revenues, including consulting fees and gain on sales, were down year-over-year as a result of lower PPP-related revenue in 2022 and timing and volume of loan originations available to be sold each period.
•Other gains amounted to $1.4 million for the fourth quarter of 2022 and $7.3 million for the twelve months ended December 31, 2022, primarily related to death benefits realized on bank-owned life insurance policies.

Noninterest Expenses

Noninterest expenses amounted to $45.7 million for the fourth quarter of 2022, compared to $48.7 million for the linked quarter and $62.8 million for the fourth quarter of 2021. The 27.3% decrease in noninterest expenses from the prior year period was driven by lower merger and acquisition expenses as compared to the fourth quarter of 2021. All other expenses remained essentially the same for the year-over-year quarter comparison other than an increase of employee benefit expenses driven by the fluctuations in the timing and volume of claims paid under the Company's self-insured health insurance plan. The increase in noninterest expenses, exclusive of merger expenses, of 13.3% year-over-year for the twelve months ended December 31, 2022 was driven by higher operating expenses, including additional locations and personnel, resulting from the Select acquisition which occurred in the fourth quarter of 2021.

Balance Sheet and Capital

Total assets at December 31, 2022 were $10.6 billion, an increase of 1.1% from the prior year end with growth in loans offset by reductions in other assets throughout the year.

Total investment securities decreased $288.0 million from December 31, 2021 to total $2.9 billion at December 31, 2022, as the Company is strategically redeploying the cash flows from investments to fund loan growth. Also contributing to the decline year-over-year was the higher level of unrealized losses on available for sale securities which amounted to $444.1 million at December 31, 2022, down $22.7 million from the linked quarter.

Total loans amounted to $6.7 billion at December 31, 2022, an increase of $583.4 million, or 9.6%, from December 31, 2021, due to organic loan growth throughout 2022. Organic net loan growth for the fourth quarter of 2022 amounted to $139.9 million, an annualized growth rate of 8.6%.

Total deposits amounted to $9.2 billion at December 31, 2022, an increase of $102.9 million, or 1.1%, from December 31, 2021. While deposits increased for the year to date period, the fourth quarter of 2022 realized a decline in total deposits of $1.7 million as market rates for deposits became more competitive and customer behaviors shifted 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 December 31, 2022 of 14.73% compared to 14.67% reported at December 31, 2021. The Company’s tangible common equity ("TCE") to tangible assets ratio was 6.39% at December 31, 2022, an increase from 5.98% for the linked quarter and a decrease of 199 basis points from a year earlier. Fluctuations in the TCE ratio were driven by the changes in the 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 approximately $11.8 billion. Its principal activity is the ownership and operation of First Bank, a state-chartered community bank that operates 118 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 EndedTwelve Months Ended
($ in thousands except per share data - unaudited)December 31, 2022September 30, 2022December 31, 2021December 31, 2022December 31, 2021
Interest income
   Interest and fees on loans$76,509 72,239 64,688 $278,027 219,013 
   Interest on investment securities14,611 14,565 10,910 57,923 34,478 
   Other interest income1,991 1,486 618 5,007 2,427 
      Total interest income93,111 88,290 76,216 340,957 255,918 
Interest expense
   Interest on deposits6,145 1,848 1,868 11,349 7,881 
   Interest on borrowings2,594 1,108 503 4,754 1,642 
      Total interest expense8,739 2,956 2,371 16,103 9,523 
        Net interest income84,372 85,334 73,845 324,854 246,395 
Provision for loan losses4,000 5,100 11,011 12,600 9,611 
Provision for (reversal of) unfunded commitments1,000 300 2,432 (200)5,420 
     Total provision for credit losses5,000 5,400 13,443 12,400 15,031 
        Net interest income after provision for credit losses79,372 79,934 60,402 312,454 231,364 
Noninterest income
   Service charges on deposit accounts4,116 4,166 3,551 15,523 12,317 
   Other service charges, commissions, and fees5,094 6,312 7,034 26,294 25,516 
   Fees from presold mortgage loans151 376 2,061 2,102 10,975 
   Commissions from sales of insurance & financial products1,708 1,391 1,093 5,195 6,947 
   SBA consulting fees645 479 1,152 2,608 7,231 
   SBA loan sale gains495 479 348 5,076 7,329 
   Bank-owned life insurance income967 962 940 3,847 2,885 
   Securities losses, net— — (1,237)— (1,237)
   Other gains, net1,382 2,747 115 7,340 1,648 
      Total noninterest income14,558 16,912 15,057 67,985 73,611 
Noninterest expenses
   Salaries expense24,652 24,416 24,846 96,321 86,815 
   Employee benefit expense5,353 4,156 3,329 21,397 16,434 
   Occupancy and equipment related expense4,433 4,847 4,607 18,604 16,020 
   Merger and acquisition expenses303 548 16,180 5,072 16,845 
   Intangibles amortization expense825 889 1,094 3,684 3,531 
   Foreclosed property net (gains) losses— — 17 (372)24 
   Other operating expenses10,091 13,844 12,716 50,514 44,987 
      Total noninterest expenses45,657 48,700 62,789 195,220 184,656 
Income before income taxes48,273 48,146 12,670 185,219 120,319 
Income tax expense9,840 10,197 2,148 38,283 24,675 
Net income$38,433 37,949 10,522 $146,936 95,644 
Earnings per common share - diluted$1.08 1.06 0.30 $4.12 3.19 
ADDITIONAL INCOME STATEMENT INFORMATION
   Net interest income, as reported$84,372 85,334 73,845 $324,854 246,395 
   Tax-equivalent adjustment (1)722 692 707 2,780 2,243 
   Net interest income, tax-equivalent$85,094 86,026 74,552 327,634 248,638 
(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 December 31, 2022
(unaudited)		At September 30, 2022
(unaudited)		At December 31, 2021
(audited)
Assets
Cash and due from banks$101,133 83,050 128,228 
Interest-bearing deposits with banks169,185 186,465 332,934 
     Total cash and cash equivalents270,318 269,515 461,162 
Investment securities2,856,193 2,882,408 3,144,239 
Presold mortgages in process of settlement1,282 3,233 19,257 
SBA and other loans held for sale— 477 61,003 
Loans6,665,145 6,525,286 6,081,715 
Allowance for credit losses on loans(90,967)(86,587)(78,789)
Net loans6,574,178 6,438,699 6,002,926 
Premises and equipment134,187 134,288 136,092 
Operating right-of-use lease assets18,733 19,230 20,719 
Intangible assets376,938 378,150 382,090 
Foreclosed properties658 658 3,071 
Bank-owned life insurance164,592 164,793 165,786 
Other assets227,970 224,411 112,556 
     Total assets$10,625,049 10,515,862 10,508,901 
Liabilities
Deposits:
     Noninterest-bearing deposit accounts$3,566,003 3,748,207 3,348,622 
     Interest-bearing deposit accounts5,661,526 5,481,064 5,776,007 
          Total deposits9,227,529 9,229,271 9,124,629 
Borrowings287,507 226,476 67,386 
Operating lease liabilities19,391 19,847 21,192 
Other liabilities59,026 55,771 65,119 
     Total liabilities9,593,453 9,531,365 9,278,326 
Shareholders’ equity
Common stock 725,153 724,694 722,671 
Retained earnings648,418 617,839 532,874 
Accumulated other comprehensive loss(341,975)(358,036)(24,970)
     Total shareholders’ equity1,031,596 984,497 1,230,575 
Total liabilities and shareholders’ equity$10,625,049 10,515,862 10,508,901 


6

First Bancorp and Subsidiaries
Financial Summary
Three Months EndedTwelve Months Ended
PERFORMANCE RATIOS (annualized)
December 31, 2022September 30, 2022December 31, 2021December 31, 2022December 31, 2021
Return on average assets (1)1.44 %1.42 %0.41 %1.39 %1.13 %
Return on average common equity (2)15.20 %13.84 %3.55 %13.40 %9.86 %
Return on average tangible common equity (3)20.96 %21.25 %4.64 %20.48 %13.79 %
COMMON SHARE DATA
Cash dividends declared - common$0.22 0.22 0.20 0.88 0.80 
Stated book value - common28.89 27.57 34.54 28.89 34.54 
Tangible book value - common (non-GAAP)18.34 16.98 23.81 18.34 23.81 
Common shares outstanding at end of period35,704,154 35,711,754 35,629,177 35,704,154 35,629,117 
Weighted average shares outstanding - diluted35,614,972 35,703,446 34,567,927 35,674,730 30,027,785 
CAPITAL RATIOS
Tangible common equity to tangible assets (non-GAAP)6.39 %5.98 %8.38 %6.39 %8.38 %
Common equity tier I capital ratio (4)12.68 %12.76 %12.53 %12.68 %12.53 %
Tier I leverage ratio (4)10.51 %10.21 %9.39 %10.51 %9.39 %
Tier I risk-based capital ratio (4)13.48 %13.59 %13.42 %13.48 %13.42 %
Total risk-based capital ratio (4)14.73 %14.84 %14.67 %14.73 %14.67 %
AVERAGE BALANCES ($ in thousands)
Total assets$10,579,187 10,567,133 10,191,402 10,556,230 8,459,645 
Loans6,576,415 6,389,996 5,879,373 6,293,280 5,018,391 
Earning assets10,161,108 10,028,388 9,438,263 9,989,185 7,871,319 
Deposits9,275,909 9,299,277 8,878,141 9,283,505 7,401,910 
Interest-bearing liabilities5,779,958 5,661,339 5,641,358 5,758,001 4,736,343 
Shareholders’ equity1,003,031 1,087,763 1,177,374 1,096,913 969,775 
(1) Calculated by dividing annualized net income by average assets.
(2) Calculated by dividing annualized net income by average common equity.
(3) Calculated by dividing annualized net income by average tangible common equity.
(4) Capital ratios as of December 31, 2022 are estimated.
_____________________________________________________________________________________________
TREND INFORMATION
($ in thousands except per share data)For the Three Months Ended
INCOME STATEMENTDecember 31, 2022September 30, 2022June 30, 2022March 31, 2022December 31, 2021
Net interest income - tax-equivalent (1)$85,094 86,026 78,939 77,575 74,552 
Taxable equivalent adjustment (1)722 692 669 697 707 
Net interest income84,372 85,334 78,270 76,878 73,845 
Provision for loan losses4,000 5,100 — 3,500 11,011 
Provision for (reversal of) unfunded commitments1,000 300 — (1,500)2,432 
Noninterest income14,558 16,912 17,264 19,251 15,057 
Noninterest expense45,657 48,700 49,398 51,465 62,789 
Income before income taxes48,273 48,146 46,136 42,664 12,670 
Income tax expense9,840 10,197 9,551 8,695 2,148 
Net income 38,433 37,949 36,585 33,969 10,522 
Earnings per common share - diluted1.08 1.06 1.03 0.95 0.30 
Cash dividends declared per share0.22 0.22 0.22 0.22 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 INFORMATIONDecember 31, 2022September 30, 2022June 30, 2022March 31, 2022December 31, 2021
Yield on loans4.62 %4.49 %4.24 %4.30 %4.37 %
Yield on securities1.74 %1.71 %1.69 %1.76 %1.45 %
Yield on other earning assets3.05 %2.27 %0.97 %0.55 %0.42 %
   Yield on all interest-earning assets3.64 %3.49 %3.24 %3.27 %3.20 %
Rate on interest bearing deposits0.44 %0.13 %0.11 %0.12 %0.13 %
Rate on other interest-bearing liabilities4.58 %3.99 %3.52 %2.77 %2.88 %
   Rate on all interest-bearing liabilities0.60 %0.21 %0.15 %0.15 %0.17 %
     Total cost of funds0.36 %0.12 %0.09 %0.10 %0.11 %
        Net interest margin (1)3.29 %3.38 %3.16 %3.18 %3.10 %
        Net interest margin - tax-equivalent (2)3.32 %3.40 %3.18 %3.21 %3.13 %
        Average prime rate6.82 %5.35 %3.94 %3.29 %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)
December 31, 2022September 30, 2022June 30, 2022March 31, 2022December 31, 2021
Interest income - increased by accretion of loan discount on acquired loans$886 1,519 1,545 1,671 1,912 
Interest income - increased by accretion of loan discount on retained portions of SBA loans427 1,032 730 667 703 
Total interest income impact1,313 2,551 2,275 2,338 2,615 
Interest expense - reduced by premium amortization of deposits70 121 168 234 261 
Interest expense - increased by discount accretion of borrowings(64)(64)(53)(73)(116)
Total net interest expense impact6 57 115 161 145 
     Total impact on net interest income$1,319 2,608 2,390 2,499 2,760 

______________________________________________________________________________________________________
As of / for the Three Months Ended
PAYCHECK PROTECTION PROGRAM (PPP) LOANS
($ in thousands - unaudited)
December 31, 2022September 30, 2022June 30, 2022March 31, 2022December 31, 2021
PPP loans outstanding$35 38 3,000 15,623 38,979 
PPP fee amortization— 284 1,008 1,324 1,676 





8

First Bancorp and Subsidiaries
Financial Summary

ASSET QUALITY DATA ($ in thousands)
December 31, 2022September 30, 2022June 30, 2022March 31, 2022December 31, 2021
Nonperforming assets
Nonaccrual loans$28,514 28,669 28,715 33,460 34,696 
Troubled debt restructurings - accruing9,121 11,355 11,771 12,727 13,866 
Accruing loans > 90 days past due— — — — 1,004 
Total nonperforming loans37,635 40,024 40,486 46,187 49,566 
Foreclosed real estate658 658 658 2,750 3,071 
Total nonperforming assets$38,293 40,682 41,144 48,937 52,637 
Asset Quality Ratios
Quarterly net (recoveries) charge-offs to average loans - annualized(0.02)%0.04 %(0.01)%0.01 %0.05 %
Nonperforming loans to total loans0.56 %0.61 %0.65 %0.76 %0.82 %
Nonperforming assets to total assets0.36 %0.39 %0.39 %0.46 %0.50 %
Allowance for credit losses to total loans1.36 %1.33 %1.32 %1.35 %1.30 %



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