First Berlin Bancorp, Inc. (FTFI)

First Berlin Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	38.26	34.3	28.09	20.78	20.07
Interest Income on Investments	4.54	3.91	3.54	2.45	1.13
Total Interest Income	42.8	38.22	31.63	23.23	21.19
Interest Paid on Deposits	11.35	9.75	6.45	1.52	1.02
Interest Paid on Borrowings	2.65	3.59	2.16	0.41	0.45
Total Interest Expense	14	13.35	8.61	1.92	1.47
Net Interest Income	28.79	24.87	23.02	21.31	19.73
Net Interest Income Growth (YoY)	15.78%	8.02%	8.04%	8.02%	9.56%
Gain (Loss) on Sale of Investments	-0.18	-0.22	-0.16	-	0
Other Non-Interest Income	2.67	3.49	3.05	3.16	4.32
Total Non-Interest Income	3.16	3.83	3.25	3.91	6.85
Non-Interest Income Growth (YoY)	-17.46%	17.83%	-16.98%	-42.89%	2.27%
Revenues Before Loan Losses	31.95	28.7	26.27	25.22	26.58
Provision for Loan Losses	1.35	0.9	0.45	0.45	0.3
Revenue	30.6	27.8	25.82	24.77	26.28
Revenue Growth (YoY)	10.10%	7.65%	4.24%	-5.73%	12.52%
Salaries and Employee Benefits	9.91	9.24	9.25	8.73	8.87
Selling, General & Administrative	3.91	3.43	3.19	3.43	3.25
Other Non-Interest Expense	2.93	3.15	3.34	2.66	2.64
Total Non-Interest Expense	16.75	15.88	15.93	14.84	14.89
EBT Excluding Unusual Items	13.85	11.92	9.89	9.93	11.39
Pretax Income	13.85	11.92	9.89	9.93	11.39
Income Tax Expense	2.8	2.44	3.07	2.69	3.12
Net Income	11.05	9.48	6.82	7.23	8.26
Net Income to Common	11.05	9.48	6.82	7.23	8.26
Net Income Growth	16.57%	38.93%	-5.70%	-12.47%	50.39%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	-2.71%	-0.20%	-	-	25.10%
EPS (Basic)	4.10	3.43	2.46	2.61	2.98
EPS (Diluted)	4.10	3.43	2.46	2.61	2.98
EPS Growth	19.82%	39.21%	-5.70%	-12.47%	20.21%
Dividend Per Share	-	0.250	0.200	0.200	0.200
Dividend Growth	-	25.00%	-	-	-
Effective Tax Rate	20.24%	20.47%	31.05%	27.13%	27.43%

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