First Robinson Financial Corporation (FRFC)

First Robinson Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	16.28	14.61	10.47	9.6	9.92	10.6
Interest Income on Investments	3.91	3.56	3.43	2.34	1.83	2.61
Total Interest Income	20.2	18.17	13.89	11.94	11.75	13.21
Interest Paid on Deposits	6.37	4.7	2.22	0.98	1.25	1.94
Interest Paid on Borrowings	2.01	3.24	1.15	0.09	0.08	0.26
Total Interest Expense	8.37	7.93	3.37	1.08	1.32	2.19
Net Interest Income	11.82	10.24	10.52	10.86	10.42	11.02
Net Interest Income Growth (YoY)	18.43%	-2.67%	-3.16%	4.23%	-5.41%	7.68%
Gain (Loss) on Sale of Assets	0.01	0.01	-0.17	-0.04	-0.06	-0.04
Other Non-Interest Income	1.9	1.85	1.78	2.38	1.77	1.4
Total Non-Interest Income	3.32	3.2	2.9	4.22	4.85	3.32
Non-Interest Income Growth (YoY)	12.11%	10.39%	-31.34%	-13.02%	46.17%	3.72%
Revenues Before Loan Losses	15.14	13.44	13.42	15.08	15.27	14.34
Provision for Loan Losses	-0.24	0.35	0.14	0.85	1.54	0.4
Revenue	15.37	13.09	13.28	14.24	13.73	13.94
Revenue Growth (YoY)	22.13%	-1.48%	-6.71%	3.69%	-1.47%	5.45%
Salaries and Employee Benefits	7	6.55	5.95	6.71	6.31	5.81
Occupancy Expenses	1.14	1.14	1.15	1.13	1.15	1.06
Federal Deposit Insurance	0.25	0.26	0.14	0.17	0.15	0.02
Selling, General & Administrative	1.81	1.74	1.69	1.66	1.62	1.66
Other Non-Interest Expense	0.82	0.82	0.82	0.8	1.02	0.85
Total Non-Interest Expense	11.05	10.54	9.82	10.57	10.33	9.58
EBT Excluding Unusual Items	4.33	2.54	3.46	3.67	3.41	4.36
Pretax Income	4.33	2.54	3.46	3.67	3.41	4.36
Income Tax Expense	1.03	0.63	0.87	0.94	0.79	1.05
Net Income	3.29	1.92	2.59	2.73	2.62	3.3
Net Income to Common	3.29	1.92	2.59	2.73	2.62	3.3
Net Income Growth	70.00%	-26.01%	-5.02%	4.28%	-20.82%	41.32%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-1.33%	-0.08%	-0.22%	-3.32%	-1.93%	-0.65%
EPS (Basic)	6.50	3.73	5.03	5.30	4.89	6.05
EPS (Diluted)	6.19	3.56	4.80	5.05	4.68	5.80
EPS Growth	72.59%	-25.83%	-4.95%	7.91%	-19.31%	42.16%
Dividend Per Share	1.340	1.270	1.240	1.230	1.200	1.190
Dividend Growth	-28.72%	2.42%	0.81%	2.50%	0.84%	2.59%
Effective Tax Rate	23.90%	24.59%	25.16%	25.69%	23.19%	24.13%

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