First Ottawa Bancshares, Inc. (FOTB)

First Ottawa Bancshares Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	109.4	105.02	90.27	73.73	48.3	38.48
Interest Income on Investments	10.69	11.26	10.41	8.64	3.55	1.36
Total Interest Income	120.09	116.28	100.69	82.36	51.85	39.83
Interest Paid on Deposits	43.9	42.78	38.89	24.42	4.55	1.39
Interest Paid on Borrowings	4.76	5.25	5.83	6.27	3.18	1.9
Total Interest Expense	48.67	48.03	44.72	30.69	7.72	3.29
Net Interest Income	71.43	68.26	55.97	51.67	44.13	36.54
Net Interest Income Growth (YoY)	21.87%	21.95%	8.32%	17.09%	20.76%	43.40%
Trust Income	1.31	1.27	1.1	0.96	1	0.98
Gain (Loss) on Sale of Investments	0.01	0.01	-	-0.14	-	-
Other Non-Interest Income	7.5	7.37	5.2	3.88	5.82	7.77
Total Non-Interest Income	8.82	8.65	6.3	4.7	6.82	8.75
Non-Interest Income Growth (YoY)	33.96%	37.41%	33.95%	-31.11%	-21.98%	5.49%
Revenues Before Loan Losses	80.25	76.91	62.27	56.37	50.95	45.29
Provision for Loan Losses	4.64	4.38	3.7	7.08	3.98	3
Revenue	75.61	72.53	58.57	49.29	46.98	42.29
Revenue Growth (YoY)	21.70%	23.84%	18.81%	4.93%	11.09%	48.77%
Salaries and Employee Benefits	25.21	24.29	20.06	19.23	21.17	18.78
Occupancy Expenses	2.72	2.68	2.64	2.5	2.18	1.89
Federal Deposit Insurance	1.97	1.99	2.05	1.65	1.15	0.82
Selling, General & Administrative	5.98	6	4.61	3.84	4.03	3.09
Other Non-Interest Expense	3.45	3.32	3.11	2.78	2.01	1.76
Total Non-Interest Expense	41.06	38.37	32.51	30.11	30.43	26.48
EBT Excluding Unusual Items	34.55	34.16	26.06	19.19	16.55	15.81
Pretax Income	34.55	34.16	26.06	19.19	16.55	15.81
Income Tax Expense	9.25	9.2	7.05	5.17	4.31	4.29
Net Income	25.3	24.96	19.01	14.01	12.24	11.52
Net Income to Common	25.3	24.96	19.01	14.01	12.24	11.52
Net Income Growth	21.49%	31.32%	35.62%	14.46%	6.31%	294.25%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	1.76%	2.20%	1.49%	2.67%	3.70%	2.58%
EPS (Basic)	27.05	26.72	20.79	15.56	13.96	13.61
EPS (Diluted)	27.05	26.72	20.79	15.56	13.96	13.61
EPS Growth	19.39%	28.49%	33.64%	11.48%	2.52%	284.32%
Dividend Per Share	-	1.500	1.500	1.500	1.500	1.500
Effective Tax Rate	26.76%	26.94%	27.06%	26.95%	26.04%	27.15%

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jun 14, 2026

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