The First Bancorp (Nasdaq: FNLC), parent company of First
National Bank, today announced operating results for the three
months ended June 30, 2022. Unaudited net income was $10.0 million,
up $1.2 million or 13.8% from the $8.8 million reported for the
three months ended June 30, 2021, and represents a new quarterly
earnings high mark for the Company. Earnings per common share for
the period on a fully diluted basis were up $0.11 to $0.91 per
share, an increase of 13.8% from the prior year. The Company also
reported results for the six months ended June 30, 2022. Net income
was $19.7 million, up $2.0 million or 11.3% from the first six
months of 2021, with earnings per share on a fully diluted basis of
$1.79, up $0.18 or 11.2% from the same period in 2021.
“The First Bancorp started 2022 very strongly, posting record
earnings in each of the first two quarters", commented Tony C.
McKim, the Company’s President and Chief Executive Officer. "Growth
in net interest income, predominantly from earning asset growth,
was a primary driver of our results year-to-date, more than
offsetting the effects of decreased mortgage activity and the
wind-down of the Payroll Protection Program (PPP). Earning asset
growth was focused in the loan portfolio which, excluding PPP, has
grown $162.7 million year-to-date, representing an annualized
growth rate of 20.2%. Growth continues to be centered in the
commercial real estate and construction segments, along with loans
secured by one-to-four family residential real estate. Our pipeline
of new loans in process remains healthy.
"As noted, net interest income has been strong and in the second
quarter was the primary factor in our overall performance. Loan
growth drove a 16.5% increase in interest revenue from the
portfolio compared to a year ago, leading to a 18.9% increase in
net interest income for the quarter ended June 30, 2022 from the
quarter ended June 30, 2021. Our net interest margin was 3.13% for
the second quarter of 2022, up from 2.86% a year ago. Compared to
the first quarter of 2022, net interest income increased a more
modest 0.4% while the margin tightened from 3.24%. Both measures
were influenced by lower PPP fee recognition. Non-interest income
was solid. Wealth management, debit card, and service charge
revenues increased 6.7%, 2.8%, 22.3% respectively in the second
quarter compared to the same period a year ago. Mortgage banking
revenues continued to trend down, as expected. Strong overall
revenues along with managed operating expenses resulted in an
excellent efficiency ratio of 43.49% for the quarter, improved from
44.75% for the same period a year ago, and from 45.42% in the first
quarter of 2022."
Mr. McKim continued, "In addition to strong earning asset
growth, we continue to be particularly pleased with the Bank's
overall asset quality. As of June 30, 2022 the ratios of
non-performing loans to total loans and non-performing assets to
total assets were each at ten-year lows, and past due loans were
well-controlled. COVID-19 related loan modifications have nearly
all been resolved, with just four loans remaining in modification
status at the end of the second quarter, representing less than
$400,000 in total balances. Each of the four are residential
mortgage loans and each is scheduled to exit modification within
the next two months.
"The end of the second quarter marks the half-way point in our
three-year strategic plan. I am so pleased with the progress we
have made on the initiatives we laid out in the planning process in
late 2020. The plan, along with outstanding efforts of our engaged
employee base, are really the cornerstones of our success as a
community bank."
SECOND QUARTER 2022 FINANCIAL
HIGHLIGHTS
- Net Income of $10.0 million is an increase of 13.8% from the
quarter ended June 30, 2021, an increase of 3.0% from the quarter
ended March 31, 2022, and is a new quarterly earnings record for
the Company.
- Pre-tax, Pre-Provision ("PTPP") Net Income (non-GAAP) increased
13.2% compared to the second quarter of 2021 and increased 3.3%
from the first quarter of 2022.
- Loans increased $81.0 million in the second quarter to $1.79
billion.
- Low-cost deposits held steady at $1.34 billion, decreasing 0.7%
in the second quarter.
- Net Interest Margin for the quarter ended June 30, 2022 was
3.13%, up from 2.86% for the quarter ended June 30, 2021, and down
from 3.24% for the quarter ended March 31, 2022.
- Quarterly shareholder dividend declared of $0.34 per share, an
increase of 6.25%.
- Tangible Book Value was $17.84 per share as of June 30, 2022,
down from $18.49 at June 30, 2021, and down from $18.39 at March
31, 2022. The period-to-period changes are the result of increases
in the unrealized loss position on available for sale
securities.
FINANCIAL CONDITION
Total assets at June 30, 2022 were $2.63 billion, up $81.7
million in the second quarter and up $179.9 million from a year
ago. Earning assets increased $76.5 million during the quarter
comprised primarily of an increase in loans of $81.0 million. As
compared to June 30, 2021, earning assets have increased $175.9
million centered in loan growth of $200.1 million, a decrease in
the carrying value of investments of $5.1 million, and a reduction
in interest earning cash balances of $19.3 million.
Loan growth in the second quarter was concentrated in the
commercial and residential portfolios. Commercial loans increased
$63.2 million during the period, nearly all in the commercial real
estate and construction sectors. Residential term loans increased
$16.0 million and residential construction loans increased $7.7
million, while the home equity and consumer loan portfolios had
decreases of $1.2 million and $721,000, respectively.
Total deposits at June 30, 2022 were $2.25 billion, up $93.5
million during the quarter, and up $290.7 million or 14.8% from
June 30, 2021. Core deposits were essentially unchanged during the
quarter, while low-cost deposits were down $10.1 million in the
second quarter as a modest decrease in NOW account balances was
partially offset by increases in demand and savings balances.
Certificates of deposit increased $94.5 million during the quarter
while borrowings decreased $7.1 million, all in customer repurchase
agreements.
The Company’s capital position remained strong as of June 30,
2022, with an estimated total risk-based capital ratio of 13.69%,
and an estimated leverage capital ratio of 8.92%. The leverage
capital ratio is in line with the 8.96% and 8.59% reported as of
March 31, 2022 and as of June 30, 2021, respectively. Growth in
risk-weighted assets lowered the total capital ratio from 14.08% as
of March 31, 2022 and 14.83% as of June 30, 2021.
ASSET QUALITY & PROVISION FOR LOAN
LOSSES
Asset quality remains strong and stable. As of June 30, 2022,
the ratio of non-performing assets to total assets was 0.18%, down
from 0.20% as of March 31, 2022, and down from 0.30% at June 30,
2021. Net charge-offs year-to-date were an annualized 0.03% of
total loans, down slightly from the annualized 0.04% of total loans
experienced as of June 30, 2021. Past due loans were 0.18% of total
loans as of June 30, 2022, improved from 0.25% of total loans at
March 31, 2022, and from 0.22% as of June 30, 2021.
The provision for loan losses totaled $450,000 in the second
quarter of 2022, compared with $525,000 for the same period in
2021. The allowance for loan losses stood at 0.91% of total loans
and 337% of non-performing loans as of June 30, 2022, as compared
to 0.92% of total loans and 312% of non-performing loans at March
31, 2022, and 1.07% of total loans and 244% of non-performing loans
as of June 30, 2021.
OPERATING RESULTS
Net Income for the three months ended June 30, 2022 was $10.0
million, an increase of $1.2 million or 13.8% from the three months
ended June 30, 2021. On a PTPP (non-GAAP) basis net income for the
period was $12.6 million, up $1.5 million or 13.2% from a year ago.
The Company’s Return on Average Assets of 1.54% for the quarter was
up from the 1.46% posted during the second quarter of 2021. The
second quarter 2022 PTPP Return on Average Assets was 1.94%, up
from 1.86% a year ago. Return on Average Tangible Common Equity was
19.94% for the second quarter of 2022, compared to 17.43% for the
second quarter of 2021. The Company's Efficiency Ratio (non-GAAP)
was 43.49% in the second quarter of 2022, down from 44.75% in the
second quarter of 2021.
Contributing factors to the Company’s operating results in the
three months ended June 30, 2022 included:
- Net interest income increased $3.0 million from the second
quarter of 2021, an increase of 18.9%, attributable to a rise in
revenue from earning asset growth and stable overall funding
expenses. Net interest income was up $78,000 from the first quarter
of 2022.
- Net interest margin for the second quarter of 2022 was 3.13%,
up from 2.86% for the same period in 2021.
- Non-interest income before securities gains or losses was $4.1
million, a decrease of $785,000 or 16.1% from the quarter ended
June 30, 2021, and a decrease of $149,000 or 3.5% from the first
quarter of 2022.
- Revenue increased $77,000 or 6.7% from the second quarter of
2021, and increased $32,000 or 2.7% from the first quarter of 2022
at First National Wealth Management, the Bank’s trust and
investment management division.
- Debit card revenue increased $36,000 or 2.8% from the second
quarter of 2021, and decreased $104,000 or 7.3% from the first
quarter of 2022. The decrease from the first quarter of 2022 is
attributable to timing of an annual incentive payment.
- Mortgage banking revenue decreased $1.0 million or 71.9% from
the second quarter of 2021, and $118,000 or 23.7% from the first
quarter of 2022. These decreases result from a significant
year-to-year decrease in mortgage refinance activity and a $40,000
mark against mortgage servicing rights recognized in the second
quarter of 2022.
- Service charge revenue increased $85,000 from the second
quarter of 2021, and $30,000 from the first quarter of 2022.
- Non-interest expense for the quarter ended June 30, 2022 was
$10.2 million, up $676,000 or 7.1% from the quarter ended June 30,
2021.
- Employee salary and benefit expenses increased $345,000, or
6.8% from the second quarter of 2021, and decreased $539,000, or
9.1% from the first quarter of 2022.
- Occupancy expenses increased $89,000, or 13.5%, from the second
quarter of 2021 and decreased $80,000, or 9.7%, from the first
quarter of 2022.
- Other Operating Expenses increased $158,000, or 6.6%, from the
second quarter of 2021, and increased $132,000 or 5.5% from the
first quarter of 2022.
Net PPP origination fees of $137,000 were recognized in interest
income in the second quarter of 2022, down from $1.1 million in the
first quarter of 2022 and down from $641,000 in the second quarter
of 2021. As of June 30, 2022 all origination fees associated with
PPP have been fully recognized.
DIVIDEND
On June 30, 2022 the Company's Board of Directors declared a
second quarter dividend of $0.34 per share, an increase of $0.02
per share from the $0.32 per share paid in each of the prior four
quarters. The second quarter dividend represents a payout to
shareholders of 37.4% of earnings per share for the period, and
will be paid on July 22, 2022 to shareholders of record as of July
11, 2022.
ABOUT THE FIRST BANCORP
The First Bancorp, the parent company of First National Bank, is
based in Damariscotta, Maine. Founded in 1864, First National Bank
is a full-service community bank with $2.60 billion in assets. The
Bank provides a complete array of commercial and retail banking
services through eighteen locations in mid-coast and eastern Maine.
First National Wealth Management, a division of the Bank, provides
investment management and trust services to individuals,
businesses, and municipalities. More information about The First
Bancorp, First National Bank and First National Wealth Management
may be found at www.thefirst.com.
The First Bancorp
Consolidated Balance Sheets (Unaudited)
In thousands of dollars, except per share
data
June 30, 2022
December 31, 2021
June 30, 2021
Assets
Cash and due from banks
$
23,453
$
20,634
$
27,092
Interest-bearing deposits in other
banks
22,871
66,678
42,215
Securities available for sale
301,737
320,566
306,247
Securities to be held to maturity
379,693
370,040
376,181
Restricted equity securities, at cost
4,720
5,365
8,839
Loans held for sale
689
835
1,147
Loans
1,788,355
1,647,649
1,588,264
Less allowance for loan losses
16,201
15,521
17,034
Net loans
1,772,154
1,632,128
1,571,230
Accrued interest receivable
10,262
7,544
10,985
Premises and equipment
29,010
28,949
29,503
Other real estate owned
51
—
224
Goodwill
30,646
30,646
30,646
Other assets
55,068
43,714
46,134
Total assets
$
2,630,354
$
2,527,099
$
2,450,443
Liabilities
Demand deposits
$
324,354
$
334,945
$
303,168
NOW deposits
640,497
655,061
553,592
Money market deposits
206,313
206,901
175,839
Savings deposits
376,448
360,185
332,520
Certificates of deposit
340,876
252,568
226,924
Certificates $100,000 to $250,000
282,180
258,211
310,068
Certificates $250,000 and over
81,354
55,426
59,210
Total deposits
2,252,022
2,123,297
1,961,321
Borrowed funds
126,588
136,342
228,648
Other liabilities
24,059
21,803
26,319
Total Liabilities
2,402,669
2,281,442
2,216,288
Shareholders' equity
Common stock
110
110
110
Additional paid-in capital
67,627
66,830
66,115
Retained earnings
192,565
180,417
168,908
Net unrealized gain (loss) on securities
available for sale
(32,795
)
(1,718
)
1,190
Net unrealized loss on securities
transferred from available for sale to held to maturity
(73
)
(87
)
(113
)
Net unrealized gain (loss) on cash flow
hedging derivative instruments
146
—
(2,083
)
Net unrealized gain on postretirement
costs
105
105
28
Total shareholders' equity
227,685
245,657
234,155
Total liabilities & shareholders'
equity
$
2,630,354
$
2,527,099
$
2,450,443
Common Stock
Number of shares authorized
18,000,000
18,000,000
18,000,000
Number of shares issued and
outstanding
11,030,236
10,998,765
10,987,680
Book value per common share
$
20.64
$
22.33
$
21.31
Tangible book value per common share
$
17.84
$
19.52
$
18.49
The First Bancorp
Consolidated Statements of Income
(Unaudited)
In thousands of dollars, except per share
data
For the six months
ended
For the quarter ended
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Interest income
Interest and fees on loans
$
33,899
$
29,959
$
17,286
$
16,613
$
14,840
Interest on deposits with other banks
71
24
62
9
12
Interest and dividends on investments
7,994
7,511
4,083
3,911
3,689
Total interest income
41,964
37,494
21,431
20,533
18,541
Interest expense
Interest on deposits
4,026
4,146
2,401
1,625
1,948
Interest on borrowed funds
620
1,752
332
288
870
Total interest expense
4,646
5,898
2,733
1,913
2,818
Net interest income
37,318
31,596
18,698
18,620
15,723
Provision for loan losses
900
1,050
450
450
525
Net interest income after provision for
loan losses
36,418
30,546
18,248
18,170
15,198
Non-interest income
Investment management and fiduciary
income
2,426
2,217
1,229
1,197
1,152
Service charges on deposit accounts
904
719
467
437
382
Net securities gains (losses)
1
164
(1
)
2
45
Mortgage origination and servicing
income
878
3,321
380
498
1,354
Debit card income
2,756
2,543
1,326
1,430
1,290
Other operating income
1,347
1,245
679
668
688
Total non-interest income
8,312
10,209
4,080
4,232
4,911
Non-interest expense
Salaries and employee benefits
11,335
10,176
5,398
5,937
5,053
Occupancy expense
1,578
1,413
749
829
660
Furniture and equipment expense
2,474
2,400
1,239
1,235
1,185
FDIC insurance premiums
440
391
222
218
192
Amortization of identified intangibles
35
35
18
17
18
Other operating expense
4,960
4,955
2,546
2,414
2,388
Total non-interest expense
20,822
19,370
10,172
10,650
9,496
Income before income taxes
23,908
21,385
12,156
11,752
10,613
Applicable income taxes
4,206
3,676
2,159
2,047
1,826
Net Income
$
19,702
$
17,709
$
9,997
$
9,705
$
8,787
Basic earnings per share
$
1.80
$
1.63
$
0.91
$
0.89
$
0.81
Diluted earnings per share
$
1.79
$
1.61
$
0.91
$
0.88
$
0.80
The First Bancorp
Selected
Financial Data (Unaudited)
Dollars in thousands, except for per share
amounts
As of and for the six months
ended
As of and for the quarter
ended
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Summary of Operations
Interest Income
$
41,964
$
37,494
$
21,431
$
20,533
$
18,541
Interest Expense
4,646
5,898
2,733
1,913
2,818
Net Interest Income
37,318
31,596
18,698
18,620
15,723
Provision for Loan Losses
900
1,050
450
450
525
Non-Interest Income
8,312
10,209
4,080
4,232
4,911
Non-Interest Expense
20,822
19,370
10,172
10,650
9,496
Net Income
19,702
17,709
9,997
9,705
8,787
Per Common Share Data
Basic Earnings per Share
$
1.80
$
1.63
$
0.91
$
0.89
$
0.81
Diluted Earnings per Share
1.79
1.61
0.91
0.88
0.80
Cash Dividends Declared
0.66
0.63
0.34
0.32
0.32
Book Value per Common Share
20.64
21.31
20.64
21.19
21.31
Tangible Book Value per Common Share
17.84
18.49
17.84
18.39
18.49
Market Value
30.13
29.45
30.13
30.08
29.45
Financial Ratios
Return on Average Equity(a)
16.61
%
15.48
%
17.29
%
15.96
%
15.11
%
Return on Average Tangible Common
Equity(a)
19.07
%
17.88
%
19.94
%
18.25
%
17.43
%
Return on Average Assets(a)
1.55
%
1.50
%
1.54
%
1.56
%
1.46
%
Average Equity to Average Assets
9.35
%
9.69
%
8.91
%
9.80
%
9.69
%
Average Tangible Equity to Average
Assets
8.14
%
8.39
%
7.73
%
8.57
%
8.40
%
Net Interest Margin Tax-Equivalent(a)
3.18
%
2.93
%
3.13
%
3.24
%
2.86
%
Dividend Payout Ratio
36.67
%
38.65
%
37.36
%
35.96
%
39.51
%
Allowance for Loan Losses/Total Loans
0.91
%
1.07
%
0.91
%
0.92
%
1.07
%
Non-Performing Loans to Total Loans
0.27
%
0.44
%
0.27
%
0.30
%
0.44
%
Non-Performing Assets to Total Assets
0.18
%
0.30
%
0.18
%
0.20
%
0.30
%
Efficiency Ratio
44.45
%
45.14
%
43.49
%
45.42
%
44.75
%
At Period End
Total Assets
$
2,630,354
$
2,450,443
$
2,630,354
$
2,548,607
$
2,450,443
Total Loans
1,788,355
1,588,264
1,788,355
1,707,348
1,588,264
Total Investment Securities
686,150
691,267
686,150
695,600
691,267
Total Deposits
2,252,022
1,961,321
2,252,022
2,158,539
1,961,321
Total Shareholders' Equity
227,685
234,155
227,685
233,646
234,155
(a) Annualized using a 365-day basis for
both 2022 and 2021.
Use of Non-GAAP Financial Measures
Certain information in this release contains financial
information determined by methods other than in accordance with
accounting principles generally accepted in the United States of
America (“GAAP”). Management uses these “non-GAAP” measures in its
analysis of the Company's performance (including for purposes of
determining the compensation of certain executive officers and
other Company employees) and believes that these non-GAAP financial
measures provide a greater understanding of ongoing operations and
enhance comparability of results with prior periods and with other
financial institutions, as well as demonstrating the effects of
significant gains and charges in the current period, in light of
the disclosure practices employed by many other publicly-traded
financial institutions. The Company believes that a meaningful
analysis of its financial performance requires an understanding of
the factors underlying that performance. Management believes that
investors may use these non-GAAP financial measures to analyze
financial performance without the impact of unusual items that may
obscure trends in the Company's underlying performance. These
disclosures should not be viewed as a substitute for operating
results determined in accordance with GAAP, nor are they
necessarily comparable to non-GAAP performance measures that may be
presented by other companies.
In several places net interest income is calculated on a fully
tax-equivalent basis. Specifically included in interest income was
tax-exempt interest income from certain investment securities and
loans. An amount equal to the tax benefit derived from this
tax-exempt income has been added back to the interest income total
which, as adjusted, increased net interest income accordingly.
Management believes the disclosure of tax-equivalent net interest
income information improves the clarity of financial analysis, and
is particularly useful to investors in understanding and evaluating
the changes and trends in the Company's results of operations.
Other financial institutions commonly present net interest income
on a tax-equivalent basis. This adjustment is considered helpful in
the comparison of one financial institution's net interest income
to that of another institution, as each will have a different
proportion of tax-exempt interest from its earning assets.
Moreover, net interest income is a component of a second financial
measure commonly used by financial institutions, net interest
margin, which is the ratio of net interest income to average
earning assets. For purposes of this measure as well, other
financial institutions generally use tax-equivalent net interest
income to provide a better basis of comparison from institution to
institution. The Company follows these practices.
The following table provides a reconciliation of tax-equivalent
financial information to the Company's consolidated financial
statements, which have been prepared in accordance with GAAP. A
21.0% tax rate was used in both 2022 and 2021.
For the six months
ended
For the quarters ended
In thousands of dollars
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Net interest income as presented
$
37,318
$
31,596
$
18,698
$
18,620
$
15,723
Effect of tax-exempt income
1,127
1,188
570
557
592
Net interest income, tax equivalent
$
38,445
$
32,784
$
19,268
$
19,177
$
16,315
The Company presents its efficiency ratio using non-GAAP
information which is most commonly used by financial institutions.
The GAAP-based efficiency ratio is non-interest expenses divided by
net interest income plus non-interest income from the Consolidated
Statements of Income. The non-GAAP efficiency ratio excludes
securities losses and other-than-temporary impairment charges from
non-interest expenses, excludes securities gains from non-interest
income, and adds the tax-equivalent adjustment to net interest
income. The following table provides a reconciliation between the
GAAP and non-GAAP efficiency ratio:
For the six months
ended
For the quarters ended
In thousands of dollars
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Non-interest expense, as presented
$
20,822
$
19,370
$
10,172
$
10,650
$
9,496
Net interest income, as presented
37,318
31,596
18,698
18,620
15,723
Effect of tax-exempt interest income
1,127
1,188
570
557
592
Non-interest income, as presented
8,312
10,209
4,080
4,232
4,911
Effect of non-interest tax-exempt
income
84
83
43
42
41
Net securities (gains) losses
(1
)
(164
)
1
(2
)
(45
)
Adjusted net interest income plus
non-interest income
$
46,840
$
42,912
$
23,392
$
23,449
$
21,222
Non-GAAP efficiency ratio
44.45
%
45.14
%
43.49
%
45.42
%
44.75
%
GAAP efficiency ratio
45.63
%
46.33
%
44.66
%
46.60
%
46.02
%
The Company presents certain information based upon average
tangible common equity instead of total average shareholders'
equity. The difference between these two measures is the Company's
intangible assets, specifically goodwill from prior acquisitions.
Management, banking regulators and many stock analysts use the
tangible common equity ratio and the tangible book value per common
share in conjunction with more traditional bank capital ratios to
compare the capital adequacy of banking organizations with
significant amounts of goodwill or other intangible assets,
typically stemming from the use of the purchase accounting method
in accounting for mergers and acquisitions. The following table
provides a reconciliation of average tangible common equity to the
Company's consolidated financial statements, which have been
prepared in accordance with U.S. GAAP:
For the six months
ended
For the quarters ended
In thousands of dollars
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Average shareholders' equity as
presented
$
239,267
$
230,760
$
231,980
$
246,635
$
233,214
Less intangible assets
(30,910
)
(30,980
)
(30,919
)
(30,919
)
(30,995
)
Tangible average shareholders' equity
$
208,357
$
199,780
$
201,061
$
215,716
$
202,219
To provide period-to-period comparison of operating results
prior to consideration of credit loss provision and income taxes,
the non-GAAP measure of Pre-Tax, Pre-Provision Net Income is
presented. The following table provides a reconciliation to Net
Income:
For the six months
ended
For the quarters ended
In thousands of dollars
June 30, 2022
June 30, 2021
June 30, 2022
March 31, 2022
June 30, 2021
Net Income, as presented
$
19,702
$
17,709
$
9,997
$
9,705
$
8,787
Add: provision for loan losses
900
1,050
450
450
525
Add: income taxes
4,206
3,676
2,159
2,047
1,826
Pre-Tax, pre-provision net income
$
24,808
$
22,435
$
12,606
$
12,202
$
11,138
Forward-Looking and Cautionary Statements
Except for the historical information and discussions contained
herein, statements contained in this release may constitute
“forward-looking statements” within the meaning of the Private
Securities Litigation Reform Act of 1995. These statements involve
a number of risks, uncertainties and other factors that could cause
actual results and events to differ materially, as discussed in the
Company's filings with the Securities and Exchange Commission.
Category: Earnings
Source: The First Bancorp
View source
version on businesswire.com: https://www.businesswire.com/news/home/20220720005914/en/
The First Bancorp Richard M. Elder, EVP, Chief Financial Officer
207-563-3195 rick.elder@thefirst.com
First Bancorp (NASDAQ:FNLC)
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