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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549




FORM 10-Q

Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
For the quarterly period ended June 30, 2020

Commission File Number 0-26589



THE FIRST BANCORP, INC.
(Exact name of Registrant as specified in its charter)
Maine01-0404322
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)
Main StreetDamariscottaMaine04543
(Address of principal executive offices) (Zip code)

(207) 563-3195
Registrant's telephone number, including area code


Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes    No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site,
 if any, every, Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
Yes    No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, or a smaller
reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule
12b-2 of the Exchange Act. (Check one):

Large accelerated filer Accelerated filer Non-accelerated filer Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended
transition period for complying with any new or revised financial accounting standards provided pursuant to
Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).
Yes    No

Indicate the number of shares outstanding of each of the registrant's classes of common stock as of August 1, 2020
Common Stock: 10,939,909 shares



Table of Contents
Note 10 - Financial Derivative Instruments



Item 4 - Controls and Procedures



Part I. Financial Information
Selected Financial Data (Unaudited)
The First Bancorp, Inc. and Subsidiary
Dollars in thousands,
As of and for the six months ended June 30,As of and for the quarter ended June 30,
except for per share amounts
2020201920202019
Summary of Operations
Interest Income$39,480  $39,090  $18,786  $19,822  
Interest Expense10,071  13,241  4,295  6,872  
Net Interest Income29,409  25,849  14,491  12,950  
Provision for Loan Losses2,750  625  2,350  250  
Non-Interest Income8,822  6,749  4,601  3,605  
Non-Interest Expense19,960  17,128  8,917  8,730  
Net Income13,064  12,551  6,569  6,395  
Per Common Share Data
Basic Earnings per Share$1.20  $1.16  $0.61  $0.59  
Diluted Earnings per Share1.20  1.15  0.60  0.59  
Cash Dividends Declared0.61  0.59  0.31  0.30  
Book Value per Common Share19.81  18.79  19.81  18.79  
Tangible Book Value per Common Share2
17.07  16.04  17.07  16.04  
Market Value21.70  26.85  21.70  26.85  
Financial Ratios
Return on Average Equity1
12.07  %12.76  %12.11  %12.74  %
Return on Average Tangible Common Equity1,2
13.99  %15.03  %14.03  %14.96  %
Return on Average Assets1
1.21  %1.27  %1.18  %1.28  %
Average Equity to Average Assets10.02  %9.99  %9.75  %10.07  %
Average Tangible Equity to Average Assets2
8.64  %8.48  %8.41  %8.58  %
Net Interest Margin Tax-Equivalent1,2
2.99  %2.90  %2.86  %2.88  %
Dividend Payout Ratio50.83  %50.86  %50.82  %50.85  %
Allowance for Loan Losses/Total Loans0.97  %0.92  %0.97  %0.92  %
Non-Performing Loans to Total Loans0.57  %1.23  %0.57  %1.23  %
Non-Performing Assets to Total Assets0.41  %0.83  %0.41  %0.83  %
Efficiency Ratio2
52.13  %50.63  %46.23  %50.80  %
At Period End
Total Assets$2,267,124  $1,998,699  $2,267,124  $1,998,699  
Total Loans1,451,623  1,249,132  1,451,623  1,249,132  
Total Investment Securities664,007  634,079  664,007  634,079  
Total Deposits1,740,121  1,592,956  1,740,121  1,592,956  
Total Shareholders' Equity216,584  204,593  216,584  204,593  
1Annualized using a 366-day basis in 2020 and a 365-day basis in 2019.
2These ratios use non-GAAP financial measures. See Management's Discussion and Analysis of Financial Condition and Results of Operations for additional disclosures and information.
1


Item 1 – Financial Statements










Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders
The First Bancorp, Inc.

We have reviewed the accompanying interim consolidated financial information of The First Bancorp, Inc. and Subsidiary as of June 30, 2020 and 2019 and for the three-month and six-month periods then ended. These financial statements are the responsibility of the Company's management.
We conducted our reviews in accordance with standards of the Public Company Accounting Oversight Board (United States). A review of interim financial information consists principally of applying analytical procedures to financial data and making inquiries of persons responsible for financial and accounting matters. It is substantially less in scope than an audit in accordance with standards of the Public Company Accounting Oversight Board (United States), the objective of which is to express an opinion regarding the financial statements taken as a whole. Accordingly, we do not express such an opinion.
Based on our reviews, we are not aware of any material modifications that should be made to the accompanying  interim consolidated financial statements for them to be in conformity with accounting principles generally accepted in the United States of America.


/s/ Berry Dunn McNeil & Parker, LLC
Portland, Maine
August 7, 2020
2


Consolidated Balance Sheets (Unaudited)
The First Bancorp, Inc. and Subsidiary
June 30,
2020
December 31, 2019June 30,
2019
Assets
Cash and cash equivalents$22,143,000  $14,433,000  $16,918,000  
Interest bearing deposits in other banks21,907,000  11,310,000  917,000  
Securities available for sale311,500,000  360,520,000  322,570,000  
Securities to be held to maturity (fair value of $352,225,000 at June 30, 2020, $287,045,000 at December 31, 2019 and $308,075,000 at June 30, 2019)
341,962,000  281,606,000  302,527,000  
Restricted equity securities, at cost10,545,000  8,982,000  8,982,000  
Loans held for sale4,950,000  154,000    
Loans1,451,623,000  1,297,075,000  1,249,132,000  
Less allowance for loan losses14,110,000  11,639,000  11,471,000  
Net loans1,437,513,000  1,285,436,000  1,237,661,000  
Accrued interest receivable11,055,000  7,167,000  9,966,000  
Premises and equipment, net20,712,000  21,305,000  21,045,000  
Other real estate owned851,000  279,000  289,000  
Goodwill29,805,000  29,805,000  29,805,000  
Other assets54,181,000  47,799,000  48,019,000  
Total assets$2,267,124,000  $2,068,796,000  $1,998,699,000  
Liabilities
Demand deposits$217,377,000  $169,777,000  $147,771,000  
NOW deposits432,407,000  393,569,000  363,092,000  
Money market deposits169,984,000  161,000,000  128,180,000  
Savings deposits263,720,000  236,141,000  236,915,000  
Certificates of deposit656,633,000  689,979,000  716,998,000  
Total deposits1,740,121,000  1,650,466,000  1,592,956,000  
Borrowed funds – short term223,703,000  174,850,000  171,749,000  
Borrowed funds – long term55,102,000  10,105,000  10,109,000  
Other liabilities31,614,000  20,867,000  19,292,000  
Total liabilities2,050,540,000  1,856,288,000  1,794,106,000  
Shareholders' equity
Common stock, one cent par value per share
109,000  109,000  109,000  
Additional paid-in capital64,601,000  63,964,000  63,319,000  
Retained earnings151,083,000  144,839,000  138,493,000  
Accumulated other comprehensive income (loss)
Net unrealized gain on securities available for sale7,100,000  3,657,000  2,750,000  
Net unrealized loss on securities transferred from available for sale to held to maturity(146,000) (182,000) (190,000) 
Net unrealized gain (loss) on cash flow hedging derivative instruments(6,187,000) 97,000  75,000  
Net unrealized gain on postretirement costs24,000  24,000  37,000  
Total shareholders' equity216,584,000  212,508,000  204,593,000  
Total liabilities & shareholders' equity$2,267,124,000  $2,068,796,000  $1,998,699,000  
Common Stock
Number of shares authorized18,000,000  18,000,000  18,000,000  
Number of shares issued and outstanding10,933,428  10,899,210  10,890,236  
Book value per common share$19.81  $19.50  $18.79  
Tangible book value per common share$17.07  $16.75  $16.04  
See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.
3


Consolidated Statements of Income and Comprehensive Income (Unaudited)
The First Bancorp, Inc. and Subsidiary
For the six months ended June 30,For the quarter ended June 30,
2020201920202019
Interest income
Interest and fees on loans (includes tax-exempt income of $608,000 YTD June 30, 2020 and $705,000 YTD June 30, 2019)
$30,015,000  $29,457,000  $14,159,000  $14,900,000  
Interest on deposits with other banks79,000  97,000  5,000  29,000  
Interest and dividends on investments (includes tax-exempt income of $3,733,000 YTD June 30, 2020 and $3,625,000 YTD June 30, 2019)
9,386,000  9,536,000  4,622,000  4,893,000  
     Total interest income39,480,000  39,090,000  18,786,000  19,822,000  
Interest expense
Interest on deposits8,747,000  11,756,000  3,561,000  6,179,000  
Interest on borrowed funds1,324,000  1,485,000  734,000  693,000  
     Total interest expense10,071,000  13,241,000  4,295,000  6,872,000  
Net interest income29,409,000  25,849,000  14,491,000  12,950,000  
Provision for loan losses2,750,000  625,000  2,350,000  250,000  
Net interest income after provision for loan losses26,659,000  25,224,000  12,141,000  12,700,000  
Non-interest income
Investment management and fiduciary income1,803,000  1,637,000  909,000  864,000  
Service charges on deposit accounts882,000  1,170,000  305,000  609,000  
Net securities gains1,179,000    427,000    
Mortgage origination and servicing income, net of amortization1,888,000  651,000  1,384,000  355,000  
Other operating income3,070,000  3,291,000  1,576,000  1,777,000  
     Total non-interest income8,822,000  6,749,000  4,601,000  3,605,000  
Non-interest expense
Salaries and employee benefits9,687,000  8,833,000  4,662,000  4,423,000  
Occupancy expense1,408,000  1,287,000  695,000  635,000  
Furniture and equipment expense2,254,000  2,000,000  1,138,000  1,025,000  
FDIC insurance premiums359,000  439,000  186,000  231,000  
Amortization of identified intangibles22,000  22,000  11,000  11,000  
Other operating expense