FNRN Balance Sheet

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	2016 - 2020
Period Ending	Jun '25 Jun 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	2016 - 2020
Cash & Equivalents	126.85	119.45	149.21	187.42	345.93	267.18	Upgrade
Investment Securities	254.49	284.89	273.65	307	248.08	195.25	Upgrade
Mortgage-Backed Securities	353.64	365.03	318.42	332.04	397.41	256.75	Upgrade
Total Investments	608.13	649.93	592.07	639.04	645.49	452	Upgrade
Gross Loans	1,080	1,063	1,069	984.93	867.9	893.21	Upgrade
Allowance for Loan Losses	-16.12	-15.89	-16.6	-14.79	-13.95	-15.42	Upgrade
Other Adjustments to Gross Loans	-	-	-	-	-1.23	-1.97	Upgrade
Net Loans	1,063	1,047	1,052	970.14	852.72	875.83	Upgrade
Property, Plant & Equipment	10.65	12.4	14.04	11.03	11.69	12.43	Upgrade
Other Intangible Assets	2.95	3.32	4.14	-	-	-	Upgrade
Loans Held for Sale	-	-	-	-	1.06	9.19	Upgrade
Accrued Interest Receivable	7.63	7.66	6.81	5.75	4.57	5.1	Upgrade
Other Current Assets	-	5.18	5.87	7.13	5.69	5.81	Upgrade
Long-Term Deferred Tax Assets	-	19.04	19.59	24.18	5.66	2.93	Upgrade
Other Real Estate Owned & Foreclosed	1.24	-	-	-	-	-	Upgrade
Other Long-Term Assets	40.21	17.37	17.12	17.25	19.19	18.43	Upgrade
Total Assets	1,872	1,892	1,872	1,871	1,899	1,655	Upgrade
Interest Bearing Deposits	926.96	943.29	921.32	942.46	896.89	817.98	Upgrade
Institutional Deposits	48.27	41.37	26.32	9.24	11	14.64	Upgrade
Non-Interest Bearing Deposits	688.04	715.42	744.8	775.17	820.41	645.54	Upgrade
Total Deposits	1,663	1,700	1,692	1,727	1,728	1,478	Upgrade
Current Portion of Leases	0.53	1.05	-	-	-	-	Upgrade
Accrued Interest Payable	0.58	1.22	1.57	0.09	0.04	0.06	Upgrade
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	5	Upgrade
Long-Term Leases	2.63	2.59	4.59	5.42	5.66	6.45	Upgrade
Pension & Post-Retirement Benefits	-	4.9	5.3	5.54	5.28	4.93	Upgrade
Other Long-Term Liabilities	10.08	5.54	8.69	8.4	8.89	10.12	Upgrade
Total Liabilities	1,677	1,715	1,713	1,746	1,748	1,505	Upgrade
Common Stock	126.47	127.9	123.24	116.1	109.79	107.53	Upgrade
Additional Paid-In Capital	0.98	0.98	0.98	0.98	0.98	0.98	Upgrade
Retained Earnings	90.08	81.3	68.76	54.49	44.34	37.12	Upgrade
Comprehensive Income & Other	-22.64	-33.85	-33.73	-46.53	-4.2	5.04	Upgrade
Total Common Equity	194.89	176.33	159.25	125.04	150.91	150.66	Upgrade
Shareholders' Equity	194.89	176.33	159.25	125.04	150.91	150.66	Upgrade
Total Liabilities & Equity	1,872	1,892	1,872	1,871	1,899	1,655	Upgrade
Total Debt	3.16	3.65	4.59	5.42	5.66	11.45	Upgrade
Net Cash (Debt)	138.27	131.88	164.34	202.94	353.54	272.65	Upgrade
Net Cash Growth	-28.94%	-19.75%	-19.02%	-42.60%	29.67%	129.68%	Upgrade
Net Cash Per Share	8.66	8.19	10.22	12.67	21.48	16.54	Upgrade
Filing Date Shares Outstanding	15.78	15.18	15.57	15.48	15.36	15.83	Upgrade
Total Common Shares Outstanding	15.82	15.94	16.26	16.15	16.03	16.57	Upgrade
Book Value Per Share	12.32	11.06	9.80	7.74	9.41	9.09	Upgrade
Tangible Book Value	191.93	173.01	155.1	125.04	150.91	150.66	Upgrade
Tangible Book Value Per Share	12.13	10.85	9.54	7.74	9.41	9.09	Upgrade

Updated Mar 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.