FNRN Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	56.59	55.39	52.2	42.32	39.21	40.57
Interest Income on Investments	24.32	23.26	21.92	13.57	7.97	8.3
Total Interest Income	80.91	78.65	74.12	55.88	47.18	48.86
Interest Paid on Deposits	14.56	14.29	7.58	1.19	0.91	1.48
Net Interest Income	66.27	64.36	66.54	54.7	46.26	47.38
Net Interest Income Growth (YoY)	2.36%	-3.28%	21.65%	18.23%	-2.35%	0.52%
Gain (Loss) on Sale of Investments	-0.23	-0.23	-0.11	-0.15	-0.22	0.3
Other Non-Interest Income	4.64	4.48	4.74	5.27	4.9	3.9
Total Non-Interest Income	6.14	6.02	6.44	6.93	7.86	7.81
Non-Interest Income Growth (YoY)	-1.30%	-6.54%	-7.11%	-11.83%	0.69%	8.50%
Revenues Before Loan Losses	72.41	70.38	72.98	61.63	54.13	55.19
Provision for Loan Losses	0.4	-0.25	1.1	0.9	-1.5	3.05
Revenue	72.01	70.63	71.88	60.73	55.63	52.14
Revenue Growth (YoY)	-1.03%	-1.74%	18.36%	9.17%	6.69%	-4.04%
Salaries and Employee Benefits	23.46	23	25.09	23.55	22.17	22.51
Occupancy Expenses	3.85	3.51	3.11	2.44	2.28	2.39
Amortization of Goodwill & Intangibles	0.75	0.82	0.83	-	-	-
Selling, General & Administrative	7.74	7.38	7.23	6.34	6.07	5.55
Other Non-Interest Expense	8.93	8.08	7.37	6.73	5.69	5.04
Total Non-Interest Expense	44.74	42.79	43.64	39.06	36.2	35.48
EBT Excluding Unusual Items	27.27	27.84	28.24	21.67	19.43	16.66
Other Unusual Items	-	-	1.41	-	-	-
Pretax Income	27.27	27.84	29.65	21.67	19.43	16.66
Income Tax Expense	6.27	7.81	8.09	5.78	5.24	4.5
Net Income	21	20.03	21.55	15.88	14.19	12.16
Net Income to Common	21	20.03	21.55	15.88	14.19	12.16
Net Income Growth	-0.35%	-7.05%	35.70%	11.97%	16.65%	-17.39%
Basic Shares Outstanding	16	16	16	16	16	16
Diluted Shares Outstanding	16	16	16	16	16	16
Shares Change (YoY)	-1.71%	0.16%	0.40%	-2.66%	-0.18%	-0.13%
EPS (Basic)	1.34	1.26	1.35	1.00	0.87	0.74
EPS (Diluted)	1.32	1.24	1.34	0.99	0.86	0.73
EPS Growth	1.20%	-7.46%	35.28%	14.95%	17.35%	-17.36%
Effective Tax Rate	23.01%	28.04%	27.30%	26.69%	26.97%	27.01%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.