First Northern Community Bancorp (FNRN)

FNRN 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	-	58	55.39	52.2	42.32	39.21
Interest Income on Investments	-	24.31	23.26	21.92	13.57	7.97
Total Interest Income	-	82.31	78.65	74.12	55.88	47.18
Interest Paid on Deposits	-	14.76	14.29	7.58	1.19	0.91
Interest Paid on Borrowings	-	0.08	-	-	-	-
Total Interest Expense	-	14.84	14.29	7.58	1.19	0.91
Net Interest Income	68.73	67.47	64.36	66.54	54.7	46.26
Net Interest Income Growth (YoY)	5.84%	4.83%	-3.28%	21.65%	18.23%	-2.35%
Gain (Loss) on Sale of Investments	-0.2	-0.2	-0.23	-0.11	-0.15	-0.22
Other Non-Interest Income	4.85	4.57	4.48	4.74	5.27	4.9
Total Non-Interest Income	6.38	6.1	6.02	6.44	6.93	7.86
Non-Interest Income Growth (YoY)	7.02%	1.30%	-6.54%	-7.11%	-11.83%	0.69%
Revenues Before Loan Losses	75.12	73.57	70.38	72.98	61.63	54.13
Provision for Loan Losses	-0.55	-	-0.25	1.1	0.9	-1.5
Revenue	75.67	73.57	70.63	71.88	60.73	55.63
Revenue Growth (YoY)	8.09%	4.16%	-1.74%	18.36%	9.17%	6.69%
Salaries and Employee Benefits	24.53	24.53	23	25.09	23.55	22.17
Occupancy Expenses	3.93	3.93	3.51	3.11	2.44	2.28
Amortization of Goodwill & Intangibles	0.73	0.73	0.82	0.83	-	-
Selling, General & Administrative	7.69	7.69	7.38	7.23	6.34	6.07
Other Non-Interest Expense	8.73	9.29	8.08	7.37	6.73	5.69
Total Non-Interest Expense	45.61	46.16	42.79	43.64	39.06	36.2
EBT Excluding Unusual Items	30.06	27.41	27.84	28.24	21.67	19.43
Other Unusual Items	-	-	-	1.41	-	-
Pretax Income	30.06	27.41	27.84	29.65	21.67	19.43
Income Tax Expense	6.7	6.28	7.81	8.09	5.78	5.24
Net Income	23.36	21.13	20.03	21.55	15.88	14.19
Net Income to Common	23.36	21.13	20.03	21.55	15.88	14.19
Net Income Growth	20.25%	5.46%	-7.05%	35.70%	11.97%	16.65%
Basic Shares Outstanding	16	16	17	17	17	17
Diluted Shares Outstanding	16	17	17	17	17	17
Shares Change (YoY)	-2.60%	-1.87%	-0.00%	0.40%	-2.66%	-0.18%
EPS (Basic)	1.42	1.30	1.20	1.29	0.95	0.83
EPS (Diluted)	1.42	1.27	1.19	1.28	0.94	0.82
EPS Growth	23.02%	6.72%	-6.75%	35.29%	14.95%	17.35%
Effective Tax Rate	22.28%	22.91%	28.04%	27.30%	26.69%	26.97%

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