First Robinson Financial Corporation (FRFC)

First Robinson Financial Income Statement

Financials in millions USD. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	16.47	14.61	10.47	9.6	9.92
Interest Income on Investments	4	3.56	3.43	2.34	1.83
Total Interest Income	20.47	18.17	13.89	11.94	11.75
Interest Paid on Deposits	6.55	4.7	2.22	0.98	1.25
Interest Paid on Borrowings	1.49	3.24	1.15	0.09	0.08
Total Interest Expense	8.04	7.93	3.37	1.08	1.32
Net Interest Income	12.43	10.24	10.52	10.86	10.42
Net Interest Income Growth (YoY)	21.45%	-2.67%	-3.16%	4.23%	-5.41%
Gain (Loss) on Sale of Assets	0.01	0.01	-0.17	-0.04	-0.06
Other Non-Interest Income	1.87	1.85	1.78	2.38	1.77
Total Non-Interest Income	3.25	3.2	2.9	4.22	4.85
Non-Interest Income Growth (YoY)	1.56%	10.39%	-31.34%	-13.02%	46.17%
Revenues Before Loan Losses	15.68	13.44	13.42	15.08	15.27
Provision for Loan Losses	-0.18	0.35	0.14	0.85	1.54
Revenue	15.86	13.09	13.28	14.24	13.73
Revenue Growth (YoY)	21.22%	-1.48%	-6.71%	3.69%	-1.47%
Salaries and Employee Benefits	7.02	6.53	5.95	6.71	6.31
Occupancy Expenses	1.14	1.13	1.15	1.13	1.15
Federal Deposit Insurance	0.23	0.26	0.14	0.17	0.15
Selling, General & Administrative	1.87	1.76	1.69	1.66	1.62
Other Non-Interest Expense	0.79	0.82	0.82	0.8	1.02
Total Non-Interest Expense	11.07	10.54	9.82	10.57	10.33
EBT Excluding Unusual Items	4.79	2.54	3.46	3.67	3.41
Pretax Income	4.79	2.54	3.46	3.67	3.41
Income Tax Expense	1.13	0.63	0.87	0.94	0.79
Net Income	3.66	1.92	2.59	2.73	2.62
Net Income to Common	3.66	1.92	2.59	2.73	2.62
Net Income Growth	90.92%	-26.01%	-5.02%	4.28%	-20.82%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	539	1	1	1
Shares Change (YoY)	-99.90%	99819.71%	-0.22%	-3.32%	-1.93%
EPS (Basic)	7.29	3.73	5.03	5.30	4.89
EPS (Diluted)	6.93	3.56	4.80	5.05	4.68
EPS Growth	94.66%	-25.83%	-4.95%	7.91%	-19.31%
Dividend Per Share	1.360	1.270	1.240	1.230	1.200
Dividend Growth	7.09%	2.42%	0.81%	2.50%	0.84%
Effective Tax Rate	23.57%	24.59%	25.16%	25.69%	23.19%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.